C
Gem State Ins Co
Gooding,  ID
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.23
Risk Adjusted
Capital Ratio #2
0.82
Loss
Ratio
58.40%
Total
Assets
18.99M
Capital
10.82M
Net
Premiums
5.37M
Net
Income
927.56K
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Weiss Ratings Gem State Ins Co
Gooding, ID 		Click to
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Rating C
Capitalization Index 5.60
Investment Safety Index --
Liquidity Index 6.90
Profitability Index 4.40
Reserve Adequacy Index 6.90
Stability Index 3.10
Company Info Gem State Ins Co
Gooding, ID 		Click to
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Industry P&C
NAIC Number 18457
Phone Number (208) 934-5729
Website gemstateinsurance.com
Address 333 Main Street Gooding, ID 83330
Balance Sheet Gem State Ins Co
Gooding, ID 		Click to
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Total Assets 18.99M
Capital and Reserves Gem State Ins Co
Gooding, ID 		Click to
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Risk-Adjusted Capital Ratio #1 1.23
Risk-Adjusted Capital Ratio #2 0.82
1-Year Reserve Development -340.00%
2-Year Reserve Development 140.00%
Capital 10.82M
Premium to Surplus 90.00%
Reserves to Surplus 10.00%
Investments Gem State Ins Co
Gooding, ID 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates --
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Gem State Ins Co
Gooding, ID 		Click to
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Medical Loss Ratio --
Cash From Underwriting 120.00%
Combined Ratio 90.00%
Expense Ratio 30.00%
Loss Ratio 58.40%
Net Premium Growth 50.00%
Other Medical Gem State Ins Co
Gooding, ID 		Click to
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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 Gem State Ins Co
Gooding, ID 		Click to
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Net Income 927.56K
Net Premium 5.37M
Health Premium --