Governmental InterIns
Major Rating Factors:
Fair profitability index (3.4 on a scale of 0 to 10) with operating losses during each of the last five years. Good liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (5.2) despite negative cash flow from operations for 2025. Stability strengths include good operational trends and good risk diversification. The largest net exposure for one risk is conservative at 1.4% of capital.
Other Rating Factors:
Strong long-term capitalization index (8.7) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (9.3) that helps to protect the company against sharp claims increases.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
Principal Lines of Business:
Personal/comm auto (40.8%), other (59.2%)
Licensed in:
IA, IL, IN, WI
Principal Investments:
Investment grade bonds (97.8%), cash (0.7%), other (1.5%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
2801 East Empire Street
Bloomington, IL 61704
Bloomington, IL 61704
Phone Number
(309) 663-1393
NAIC Number
37036
Website
Largest Affiliates
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