B
Finger Lakes F&C Co
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
2.96
Risk Adjusted
Capital Ratio #2
1.79
Loss
Ratio
64.32%
Total
Assets
61.03M
Capital
39.95M
Net
Premiums
12.70M
Net
Income
1.16M
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Weiss Ratings Finger Lakes F&C Co
Trumansburg, NY 		Click to
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Rating B
Capitalization Index 8.00
Investment Safety Index --
Liquidity Index 6.90
Profitability Index 3.80
Reserve Adequacy Index 7.00
Stability Index 5.40
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 61.03M
Capital and Reserves Finger Lakes F&C Co
Trumansburg, NY 		Click to
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Risk-Adjusted Capital Ratio #1 2.96
Risk-Adjusted Capital Ratio #2 1.79
1-Year Reserve Development -3.13%
2-Year Reserve Development -2.02%
Capital 39.95M
Premium to Surplus 31.80%
Reserves to Surplus 21.28%
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 86.85%
Combined Ratio 102.89%
Expense Ratio 38.58%
Loss Ratio 64.32%
Net Premium Growth 1.14%
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 1.16M
Net Premium 12.70M
Health Premium --