A
Lightning Rod Mutual Ins Co
Wooster,  OH
Rating Date
June 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
4.80
Risk Adjusted
Capital Ratio #2
2.90
Loss
Ratio
67.92%
Total
Assets
373.09M
Capital
196.90M
Net
Premiums
182.56M
Net
Income
2.19M
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
2024
4,757
780
5,537
14.09%
23.31%
2023
4,866
562
5,428
10.35%
22.83%
2022
4,765
534
5,299
10.08%
23.10%
2021
4,375
460
4,835
9.51%
22.81%
2020
4,146
327
4,473
7.31%
21.51%
2019
4,746
640
5,386
11.88%
22.66%
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
2024
155
31
186
16.67%
47.44%
2023
164
33
197
16.75%
47.29%
2022
193
34
227
14.98%
45.44%
2021
180
37
217
17.05%
44.40%
2020
146
21
167
12.57%
42.45%
2019
155
26
181
14.36%
44.33%
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
2024
249
97
346
28.03%
41.75%
2023
333
128
461
27.77%
38.64%
2022
353
117
470
24.89%
39.39%
2021
235
117
352
33.24%
40.41%
2020
276
125
401
31.17%
48.09%
2019
230
84
314
26.75%
43.30%
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
2024
1,458
526
1,984
26.51%
39.58%
2023
2,443
508
2,951
17.21%
36.96%
2022
1,767
474
2,241
21.15%
37.07%
2021
1,457
495
1,952
25.36%
39.17%
2020
1,865
421
2,286
18.42%
35.42%
2019
1,758
517
2,275
22.73%
35.34%
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
2024
1
0
1
0.00%
81.35%
2023
0
0
0
0.00%
74.87%
2022
0
0
0
0.00%
72.69%
2021
0
0
0
0.00%
79.01%
2020
0
0
0
0.00%
80.13%
2019
0
0
0
0.00%
77.47%
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
2024
0
2
2
100.00%
12.20%
2023
2
5
7
71.43%
16.34%
2022
2
6
8
75.00%
11.13%
2021
3
1
4
25.00%
18.93%
2020
4
5
9
55.56%
20.93%
2019
4
2
6
33.33%
16.90%
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
2024
1,163
217
1,380
15.72%
45.22%
2023
1,143
218
1,361
16.02%
44.64%
2022
1,068
215
1,283
16.76%
46.15%
2021
1,087
233
1,320
17.65%
46.87%
2020
1,143
172
1,315
13.08%
43.90%
2019
1,435
267
1,702
15.69%
42.09%
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
2024
1
0
1
0.00%
64.47%
2023
0
0
0
0.00%
62.55%
2022
0
0
0
0.00%
56.52%
2021
0
0
0
0.00%
62.74%
2020
0
0
0
0.00%
61.51%
2019
0
0
0
0.00%
70.02%
Workers' Compensation
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
2024
9
3
12
25.00%
35.33%
2023
12
3
15
20.00%
35.67%
2022
6
3
9
33.33%
37.14%
2021
5
1
6
16.67%
35.46%
2020
2
5
7
71.43%
33.86%
2019
7
1
8
12.50%
34.01%