C
NorGUARD Ins Co
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
0.88
Risk Adjusted
Capital Ratio #2
0.59
Loss
Ratio
127.95%
Total
Assets
2.17B
Capital
352.85M
Net
Premiums
132.12M
Net
Income
-37.19M
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Weiss Ratings NorGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Rating C
Capitalization Index 3.00
Investment Safety Index --
Liquidity Index 9.20
Profitability Index 2.90
Reserve Adequacy Index 2.60
Stability Index 4.60
Company Info NorGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Industry P&C
NAIC Number 31470
Phone Number (570) 825-9900 3071
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 2.17B
Capital and Reserves NorGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Risk-Adjusted Capital Ratio #1 0.88
Risk-Adjusted Capital Ratio #2 0.59
1-Year Reserve Development 3,830.00%
2-Year Reserve Development 4,430.00%
Capital 352.85M
Premium to Surplus 90.00%
Reserves to Surplus 210.00%
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 90.00%
Combined Ratio 150.00%
Expense Ratio 30.00%
Loss Ratio 127.95%
Net Premium Growth -20.00%
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 -37.19M
Net Premium 132.12M
Health Premium --