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

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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	8.60
Profitability Index	4.40
Reserve Adequacy Index	9.20
Stability Index	7.00

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	373.09M

Capital and Reserves	Lightning Rod Mutual Ins Co Wooster, OH	Click to Compare	Click to Compare	Click to Compare
Risk-Adjusted Capital Ratio #1	4.80
Risk-Adjusted Capital Ratio #2	2.90
1-Year Reserve Development	-90.00%
2-Year Reserve Development	-180.00%
Capital	196.90M
Premium to Surplus	90.00%
Reserves to Surplus	30.00%

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	0.24%
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	100.00%
Combined Ratio	100.00%
Expense Ratio	30.00%
Loss Ratio	67.92%
Net Premium Growth	10.00%

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	2.19M
Net Premium	182.56M
Health Premium	--