Rockingham Ins Co
Major Rating Factors:
Weak profitability index (1.8 on a scale of 0 to 10) with operating losses during 2022, 2023 and 2025. Weak overall results on stability tests (2.7) including weak results on operational trends, weak risk adjusted capital in prior years and negative cash flow from operations for 2025. The largest net exposure for one risk is conservative at 1.3% of capital. Poor long-term capitalization index (2.9) based on weak current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the fair range over the last two years.
Other Rating Factors:
Fair reserve development (3.5) as reserves have generally been sufficient to cover claims. In 2025 the two year reserve development was 22.4% deficient. Good liquidity (6.6) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Homeowners (40.9%), personal/comm auto (35.7%), farmowners (12.6%), fire (5.9%), other (4.9%)
Licensed in:
VA
Principal Investments:
Investment grade bonds (62.7%), common stock (34.2%), cash (1.1%), real estate (1.0%), other (0.9%)
Corporate Info
Group Affiliation
Rockingham Mutual Group Inc
Investment Rating
--
Company Address
633 East Market Street
Harrisonburg, VA 22801
Harrisonburg, VA 22801
Phone Number
(540) 434-5344
NAIC Number
10214
Website
Largest Affiliates