B
Southern Oak Ins Co
Rating Date
April 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.30
Risk Adjusted
Capital Ratio #2
1.00
Loss
Ratio
59.95%
Total
Assets
264.47M
Capital
83.42M
Net
Premiums
157.70M
Net
Income
16.13M
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Weiss Ratings Southern Oak Ins Co
Ponte Vedra Beach, FL 		Click to
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Rating B
Capitalization Index 7.00
Investment Safety Index --
Liquidity Index 7.10
Profitability Index 3.90
Reserve Adequacy Index 4.30
Stability Index 5.20
Company Info Southern Oak Ins Co
Ponte Vedra Beach, FL 		Click to
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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
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Total Assets 264.47M
Capital and Reserves Southern Oak Ins Co
Ponte Vedra Beach, FL 		Click to
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Risk-Adjusted Capital Ratio #1 1.30
Risk-Adjusted Capital Ratio #2 1.00
1-Year Reserve Development -370.00%
2-Year Reserve Development 950.00%
Capital 83.42M
Premium to Surplus 250.00%
Reserves to Surplus 40.00%
Investments Southern Oak Ins Co
Ponte Vedra Beach, FL 		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 Oak Ins Co
Ponte Vedra Beach, FL 		Click to
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Medical Loss Ratio --
Cash From Underwriting 130.00%
Combined Ratio 90.00%
Expense Ratio 30.00%
Loss Ratio 59.95%
Net Premium Growth 30.00%
Other Medical Southern Oak Ins Co
Ponte Vedra Beach, FL 		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 Oak Ins Co
Ponte Vedra Beach, FL 		Click to
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Net Income 16.13M
Net Premium 157.70M
Health Premium --