C
Community Ins Corp
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (3.9) including excessive premium growth. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years.
Other Rating Factors: Excellent profitability index (7.3) with operating gains in each of the last five years. Excellent expense controls. Superior liquidity (9.2) with ample operational cash flow and liquid investments.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business: Comm multi (32.6%), personal/comm auto (20.2%), work comp (19.3%), other (27.9%)
Licensed in: WI
Principal Investments: Investment grade bonds (84.3%), cash (12.3%), other (3.3%)
Ratios
Premium to Surplus
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Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
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Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
Wisconsin County Mutual Ins Corporation
Investment Rating
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Company Address
15800 W Bluemound Rd
Brookfield, WI 53005
Phone Number
(262) 781-7020
NAIC Number
11250
Largest Affiliates
C