B
Finger Lakes F&C Co
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
2.81
Risk Adjusted
Capital Ratio #2
1.70
Loss
Ratio
87.46%
Total
Assets
59.34M
Capital
37.46M
Net
Premiums
6.14M
Net
Income
-458.06K
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Weiss Ratings Finger Lakes F&C Co
Trumansburg, NY 		Click to
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Rating B
Capitalization Index 7.90
Investment Safety Index --
Liquidity Index 7.00
Profitability Index 3.70
Reserve Adequacy Index 6.90
Stability Index 5.30
Company Info Finger Lakes F&C Co
Trumansburg, NY 		Click to
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Industry P&C
NAIC Number 43842
Phone Number (800) 724-4032
Website www.flfcc.com
Address 6905 NYS Route 227 Trumansburg, NY 14886
Balance Sheet Finger Lakes F&C Co
Trumansburg, NY 		Click to
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Total Assets 59.34M
Capital and Reserves Finger Lakes F&C Co
Trumansburg, NY 		Click to
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Risk-Adjusted Capital Ratio #1 2.81
Risk-Adjusted Capital Ratio #2 1.70
1-Year Reserve Development -50.00%
2-Year Reserve Development 230.00%
Capital 37.46M
Premium to Surplus 30.00%
Reserves to Surplus 30.00%
Investments Finger Lakes F&C Co
Trumansburg, NY 		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 Finger Lakes F&C Co
Trumansburg, NY 		Click to
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Medical Loss Ratio --
Cash From Underwriting 90.00%
Combined Ratio 120.00%
Expense Ratio 40.00%
Loss Ratio 87.46%
Net Premium Growth 0.00%
Other Medical Finger Lakes F&C Co
Trumansburg, NY 		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 Finger Lakes F&C Co
Trumansburg, NY 		Click to
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Net Income -458.06K
Net Premium 6.14M
Health Premium --