C
Protective Ins Co
Carmel,  IN
Rating Date
April 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.00
Risk Adjusted
Capital Ratio #2
0.70
Loss
Ratio
79.88%
Total
Assets
1.24B
Capital
328.03M
Net
Premiums
521.86M
Net
Income
-32.79M
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Weiss Ratings Protective Ins Co
Carmel, IN 		Click to
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Rating C
Capitalization Index 5.00
Investment Safety Index --
Liquidity Index 6.70
Profitability Index 3.70
Reserve Adequacy Index 5.70
Stability Index 7.90
Company Info Protective Ins Co
Carmel, IN 		Click to
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Industry P&C
NAIC Number 12416
Phone Number (317) 636-9800 7433
Website www.protectiveinsurance.com
Address 111 Congressional Boulevard Carmel, IN 46032
Balance Sheet Protective Ins Co
Carmel, IN 		Click to
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Total Assets 1.24B
Capital and Reserves Protective Ins Co
Carmel, IN 		Click to
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Risk-Adjusted Capital Ratio #1 1.00
Risk-Adjusted Capital Ratio #2 0.70
1-Year Reserve Development 690.00%
2-Year Reserve Development 240.00%
Capital 328.03M
Premium to Surplus 150.00%
Reserves to Surplus 230.00%
Investments Protective Ins Co
Carmel, IN 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 21.45%
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Protective Ins Co
Carmel, IN 		Click to
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Medical Loss Ratio --
Cash From Underwriting 110.00%
Combined Ratio 120.00%
Expense Ratio 40.00%
Loss Ratio 79.88%
Net Premium Growth 0.00%
Other Medical Protective Ins Co
Carmel, IN 		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 Protective Ins Co
Carmel, IN 		Click to
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Net Income -32.79M
Net Premium 521.86M
Health Premium --