A
Patrons Co-op Fire Ins Co
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
3.98
Risk Adjusted
Capital Ratio #2
2.72
Loss
Ratio
55.50%
Total
Assets
222.02M
Capital
105.13M
Net
Premiums
117.75M
Net
Income
6.84M
My Lists My Alerts
Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
3,829
207
4,036
5.13%
23.88%
2024
4,437
198
4,635
4.27%
23.31%
2023
4,140
196
4,336
4.52%
22.83%
2022
4,088
183
4,271
4.28%
23.10%
2021
5,935
267
6,202
4.31%
22.81%
2020
3,373
479
3,852
12.44%
21.51%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
28
11
39
28.21%
49.08%
2024
41
2
43
4.65%
47.46%
2023
36
3
39
7.69%
47.29%
2022
204
136
340
40.00%
45.44%
2021
50
4
54
7.41%
44.40%
2020
26
5
31
16.13%
42.45%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
189
107
296
36.15%
42.44%
2024
230
146
376
38.83%
41.75%
2023
370
168
538
31.23%
38.64%
2022
0
0
0
0.00%
39.39%
2021
426
116
542
21.40%
40.41%
2020
233
178
411
43.31%
48.09%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
661
277
938
29.53%
38.98%
2024
1,079
402
1,481
27.14%
39.58%
2023
1,485
544
2,029
26.81%
36.96%
2022
935
541
1,476
36.65%
37.07%
2021
1,564
481
2,045
23.52%
39.17%
2020
1,054
501
1,555
32.22%
35.42%
Other Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
1
0
1
0.00%
83.87%
2024
1
0
1
0.00%
81.44%
2023
0
2
2
100.00%
74.87%
2021
0
1
1
100.00%
79.01%
2020
0
0
0
0.00%
80.13%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
1
3
4
75.00%
13.25%
2024
4
6
10
60.00%
12.32%
2023
2
2
4
50.00%
16.34%
2022
2
5
7
71.43%
11.13%
2021
10
3
13
23.08%
18.93%
2020
8
3
11
27.27%
20.93%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
807
94
901
10.43%
45.21%
2024
881
83
964
8.61%
45.23%
2023
885
88
973
9.04%
44.64%
2022
764
71
835
8.50%
46.15%
2021
1,364
120
1,484
8.09%
46.87%
2020
593
197
790
24.94%
43.90%
Product Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2020
0
0
0
0.00%
61.51%