A
Patrons Co-op Fire 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 Patrons Co-op Fire Ins Co
Middlebury, VT
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Rating A
Capitalization Index 9.60
Investment Safety Index --
Liquidity Index 6.50
Profitability Index 4.40
Reserve Adequacy Index 7.00
Stability Index 7.00
Company Info Patrons Co-op Fire Ins Co
Middlebury, VT
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Industry P&C
NAIC Number 18686
Phone Number (802) 388-7917
Website www.co-opinsurance.com
Address 292 Colonial Drive Middlebury, VT 05753
Balance Sheet Patrons Co-op Fire Ins Co
Middlebury, VT
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Total Assets 222.02M
Capital and Reserves Patrons Co-op Fire Ins Co
Middlebury, VT
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Risk-Adjusted Capital Ratio #1 3.98
Risk-Adjusted Capital Ratio #2 2.72
1-Year Reserve Development 1.18%
2-Year Reserve Development 2.43%
Capital 105.13M
Premium to Surplus 112.00%
Reserves to Surplus 30.95%
Investments Patrons Co-op Fire Ins Co
Middlebury, VT
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 1.03%
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Patrons Co-op Fire Ins Co
Middlebury, VT
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Medical Loss Ratio --
Cash From Underwriting 103.85%
Combined Ratio 97.95%
Expense Ratio 42.45%
Loss Ratio 55.50%
Net Premium Growth 5.78%
Other Medical Patrons Co-op Fire Ins Co
Middlebury, VT
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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 Patrons Co-op Fire Ins Co
Middlebury, VT
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Net Income 6.84M
Net Premium 117.75M
Health Premium --