C
NorGUARD Ins Co
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.38
Risk Adjusted
Capital Ratio #2
0.91
Loss
Ratio
102.50%
Total
Assets
2.19B
Capital
537.02M
Net
Premiums
250.92M
Net
Income
-37.70M
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Weiss Ratings NorGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Rating C
Capitalization Index 4.80
Investment Safety Index --
Liquidity Index 8.30
Profitability Index 2.90
Reserve Adequacy Index 2.20
Stability Index 6.30
Company Info NorGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Industry P&C
NAIC Number 31470
Phone Number --
Website www.guard.com
Address 39 Public Square Wilkes-Barre, PA 18701
Balance Sheet NorGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Total Assets 2.19B
Capital and Reserves NorGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Risk-Adjusted Capital Ratio #1 1.38
Risk-Adjusted Capital Ratio #2 0.91
1-Year Reserve Development 10.00%
2-Year Reserve Development 51.97%
Capital 537.02M
Premium to Surplus 46.72%
Reserves to Surplus 160.81%
Investments NorGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates --
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios NorGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Medical Loss Ratio --
Cash From Underwriting 83.31%
Combined Ratio 136.92%
Expense Ratio 34.42%
Loss Ratio 102.50%
Net Premium Growth -35.33%
Other Medical NorGUARD Ins Co
Wilkes-Barre, PA 		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 NorGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Net Income -37.70M
Net Premium 250.92M
Health Premium --