B
Southern Oak Ins Co
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.52
Risk Adjusted
Capital Ratio #2
1.19
Loss
Ratio
36.77%
Total
Assets
428.21M
Capital
176.03M
Net
Premiums
322.51M
Net
Income
74.57M
My Lists My Alerts
Weiss Ratings Southern Oak Ins Co
Ponte Vedra Beach, FL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Capitalization Index 6.50
Investment Safety Index --
Liquidity Index 7.20
Profitability Index 6.00
Reserve Adequacy Index 5.50
Stability Index 5.40
Company Info Southern Oak Ins Co
Ponte Vedra Beach, FL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Industry P&C
NAIC Number 12247
Phone Number (904) 353-4000
Website southernoak.com
Address 816 A1A North Ponte Vedra Beach, FL 32082
Balance Sheet Southern Oak Ins Co
Ponte Vedra Beach, FL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 428.21M
Capital and Reserves Southern Oak Ins Co
Ponte Vedra Beach, FL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Risk-Adjusted Capital Ratio #1 1.52
Risk-Adjusted Capital Ratio #2 1.19
1-Year Reserve Development -330.00%
2-Year Reserve Development -680.00%
Capital 176.03M
Premium to Surplus 180.00%
Reserves to Surplus 20.00%
Investments Southern Oak Ins Co
Ponte Vedra Beach, FL 		Click to
Compare		 Click to
Compare		 Click to
Compare
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 Oak Ins Co
Ponte Vedra Beach, FL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Medical Loss Ratio --
Cash From Underwriting 170.00%
Combined Ratio 60.00%
Expense Ratio 30.00%
Loss Ratio 36.77%
Net Premium Growth 30.00%
Other Medical Southern Oak Ins Co
Ponte Vedra Beach, FL 		Click to
Compare		 Click to
Compare		 Click to
Compare
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 Oak Ins Co
Ponte Vedra Beach, FL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Net Income 74.57M
Net Premium 322.51M
Health Premium --