C
Wisconsin County Mutl Ins Corp
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
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Major Rating Factors: Fair profitability index (4.2 on a scale of 0 to 10) with operating losses during 2022, 2023, 2024 and the first six months of 2025. Average return on equity over the last five years has been poor at -0.8%. Fair long-term capitalization index (4.3) based on fair current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range over the last two years. Fair reserve development (5.0) as reserves have generally been sufficient to cover claims.
Other Rating Factors: Good overall results on stability tests (5.4) despite fair risk adjusted capital in prior years. Stability strengths include good operational trends and good risk diversification. The largest net exposure for one risk is acceptable at 2.9% of capital. Excellent liquidity (7.5) with ample operational cash flow and liquid investments.
Stability Factors: C - Past results on our Risk-Adjusted Capital tests. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (27.6%), work comp (23.9%), comm multi (20.6%), other (28.0%)
Licensed in: WI
Principal Investments: Investment grade bonds (75.8%), common stock (20.7%), cash (1.5%), other (2.0%)
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Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
Wisconsin County Mutual Ins Corporation
Investment Rating
--
Company Address
15800 W Bluemound Rd
Brookfield, WI 53005
Phone Number
(262) 781-7020
NAIC Number
26956
Largest Affiliates
C
Brookfield, WI - P&C