Lightning Rod Mutual Ins Co

Wooster, OH

Rating Date

June 2026

NAIC
Classification

Property & Casualty

Risk Adjusted
Capital Ratio #1

4.79

Risk Adjusted
Capital Ratio #2

2.91

Loss
Ratio

66.47%

Total
Assets

392.67M

Capital

207.98M

Net
Premiums

186.46M

Net
Income

6.16M

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Weiss Ratings	Lightning Rod Mutual Ins Co Wooster, OH	Click to Compare	Click to Compare	Click to Compare
Rating	A
Capitalization Index	9.80
Investment Safety Index	--
Liquidity Index	6.70
Profitability Index	4.20
Reserve Adequacy Index	9.20
Stability Index	7.60

Company Info	Lightning Rod Mutual Ins Co Wooster, OH	Click to Compare	Click to Compare	Click to Compare
Industry	P&C
NAIC Number	26123
Phone Number	(330) 262-9060
Website	www.wrg-ins.com
Address	2865 Benden Drive Wooster, OH 44691

Balance Sheet	Lightning Rod Mutual Ins Co Wooster, OH	Click to Compare	Click to Compare	Click to Compare
Total Assets	392.67M

Capital and Reserves	Lightning Rod Mutual Ins Co Wooster, OH	Click to Compare	Click to Compare	Click to Compare
Risk-Adjusted Capital Ratio #1	4.79
Risk-Adjusted Capital Ratio #2	2.91
1-Year Reserve Development	-0.01%
2-Year Reserve Development	-0.63%
Capital	207.98M
Premium to Surplus	89.65%
Reserves to Surplus	31.07%

Investments	Lightning Rod Mutual Ins Co Wooster, OH	Click to Compare	Click to Compare	Click to Compare
Cash	--
CMO & Structured Securities	--
Common & Preferred Stock	--
Invested Assets	--
Investments in Affiliates	0.19%
Mortgages in Good Standing	--
Non-Investment Grade Bonds	--
Non-Performing Mortgages	--
Other Investment Grade Bonds	--
Other Investments	--
Real Estate	--

Operating Ratios	Lightning Rod Mutual Ins Co Wooster, OH	Click to Compare	Click to Compare	Click to Compare
Medical Loss Ratio	--
Cash From Underwriting	101.87%
Combined Ratio	100.19%
Expense Ratio	33.72%
Loss Ratio	66.47%
Net Premium Growth	2.14%

Other Medical	Lightning Rod Mutual Ins Co Wooster, OH	Click to Compare	Click to Compare	Click to Compare
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	Lightning Rod Mutual Ins Co Wooster, OH	Click to Compare	Click to Compare	Click to Compare
Net Income	6.16M
Net Premium	186.46M
Health Premium	--