A
Patrons Co-op Fire Ins Co
Rating Date
June 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
4.10
Risk Adjusted
Capital Ratio #2
2.80
Loss
Ratio
69.08%
Total
Assets
203.90M
Capital
96.94M
Net
Premiums
111.32M
Net
Income
2.43M
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Weiss Ratings Patrons Co-op Fire Ins Co
Middlebury, VT 		Click to
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Rating A
Capitalization Index 9.70
Investment Safety Index --
Liquidity Index 7.00
Profitability Index 3.90
Reserve Adequacy Index 8.20
Stability Index 6.70
Company Info Patrons Co-op Fire Ins Co
Middlebury, VT 		Click to
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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 		Click to
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Total Assets 203.90M
Capital and Reserves Patrons Co-op Fire Ins Co
Middlebury, VT 		Click to
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Risk-Adjusted Capital Ratio #1 4.10
Risk-Adjusted Capital Ratio #2 2.80
1-Year Reserve Development 10.00%
2-Year Reserve Development -470.00%
Capital 96.94M
Premium to Surplus 120.00%
Reserves to Surplus 30.00%
Investments Patrons Co-op Fire Ins Co
Middlebury, VT 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 1.01%
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 		Click to
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Medical Loss Ratio --
Cash From Underwriting 100.00%
Combined Ratio 110.00%
Expense Ratio 40.00%
Loss Ratio 69.08%
Net Premium Growth 20.00%
Other Medical Patrons Co-op Fire Ins Co
Middlebury, VT 		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 Patrons Co-op Fire Ins Co
Middlebury, VT 		Click to
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Net Income 2.43M
Net Premium 111.32M
Health Premium --