B
Guardian Ins Co
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
Weiss Ratings Guardian Ins Co
Saint Thomas, VI
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Rating B
Capitalization Index 8.00
Investment Safety Index --
Liquidity Index 6.60
Profitability Index 8.70
Reserve Adequacy Index 7.00
Stability Index 4.90
Company Info Guardian Ins Co
Saint Thomas, VI
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Industry P&C
NAIC Number 17779
Phone Number (340) 776-8050
Website www.guardianinsurance.com
Address 9716 Estate Thomas Saint Thomas, VI 00802
Balance Sheet Guardian Ins Co
Saint Thomas, VI
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Total Assets 62.11M
Capital and Reserves Guardian Ins Co
Saint Thomas, VI
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Risk-Adjusted Capital Ratio #1 2.48
Risk-Adjusted Capital Ratio #2 1.90
1-Year Reserve Development 1.34%
2-Year Reserve Development 3.82%
Capital 23.96M
Premium to Surplus 141.94%
Reserves to Surplus 27.22%
Investments Guardian Ins Co
Saint Thomas, VI
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 8.15%
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Guardian Ins Co
Saint Thomas, VI
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Medical Loss Ratio --
Cash From Underwriting 97.24%
Combined Ratio 83.73%
Expense Ratio 37.39%
Loss Ratio 46.34%
Net Premium Growth -0.86%
Other Medical Guardian Ins Co
Saint Thomas, VI
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability Guardian Ins Co
Saint Thomas, VI
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Net Income 5.51M
Net Premium 34.00M
Health Premium --