B
Southern-Owners Ins Co
Lansing,  MI
Rating Date
April 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.80
Risk Adjusted
Capital Ratio #2
1.00
Loss
Ratio
106.95%
Total
Assets
2.18B
Capital
618.85M
Net
Premiums
715.33M
Net
Income
42.99M
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Weiss Ratings Southern-Owners Ins Co
Lansing, MI 		Click to
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Rating B
Capitalization Index 7.00
Investment Safety Index --
Liquidity Index 7.00
Profitability Index 2.90
Reserve Adequacy Index 3.60
Stability Index 7.90
Company Info Southern-Owners Ins Co
Lansing, MI 		Click to
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Industry P&C
NAIC Number 10190
Phone Number (517) 323-1200
Website www.auto-owners.com
Address 6101 Anacapri Boulevard Lansing, MI 48917
Balance Sheet Southern-Owners Ins Co
Lansing, MI 		Click to
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Total Assets 2.18B
Capital and Reserves Southern-Owners Ins Co
Lansing, MI 		Click to
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Risk-Adjusted Capital Ratio #1 1.80
Risk-Adjusted Capital Ratio #2 1.00
1-Year Reserve Development 760.00%
2-Year Reserve Development 1,900.00%
Capital 618.85M
Premium to Surplus 130.00%
Reserves to Surplus 180.00%
Investments Southern-Owners Ins Co
Lansing, MI 		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 Southern-Owners Ins Co
Lansing, MI 		Click to
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Medical Loss Ratio --
Cash From Underwriting 120.00%
Combined Ratio 130.00%
Expense Ratio 20.00%
Loss Ratio 106.95%
Net Premium Growth 20.00%
Other Medical Southern-Owners Ins Co
Lansing, MI 		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 Southern-Owners Ins Co
Lansing, MI 		Click to
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Net Income 42.99M
Net Premium 715.33M
Health Premium --