A
NorthStone Ins Co
Rating Date
April 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
3.20
Risk Adjusted
Capital Ratio #2
2.20
Loss
Ratio
70.70%
Total
Assets
136.40M
Capital
28.19M
Net
Premiums
18.54M
Net
Income
1.57M
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Weiss Ratings NorthStone Ins Co
Charleston, WV 		Click to
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Rating A
Capitalization Index 8.90
Investment Safety Index --
Liquidity Index 7.00
Profitability Index 6.90
Reserve Adequacy Index 9.20
Stability Index 6.50
Company Info NorthStone Ins Co
Charleston, WV 		Click to
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Industry P&C
NAIC Number 13045
Phone Number (304) 941-1000
Website www.encova.com
Address 400 Quarrier Street Charleston, WV 25301
Balance Sheet NorthStone Ins Co
Charleston, WV 		Click to
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Total Assets 136.40M
Capital and Reserves NorthStone Ins Co
Charleston, WV 		Click to
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Risk-Adjusted Capital Ratio #1 3.20
Risk-Adjusted Capital Ratio #2 2.20
1-Year Reserve Development -300.00%
2-Year Reserve Development -350.00%
Capital 28.19M
Premium to Surplus 70.00%
Reserves to Surplus 100.00%
Investments NorthStone Ins Co
Charleston, WV 		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 NorthStone Ins Co
Charleston, WV 		Click to
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Medical Loss Ratio --
Cash From Underwriting 110.00%
Combined Ratio 100.00%
Expense Ratio 30.00%
Loss Ratio 70.70%
Net Premium Growth 10.00%
Other Medical NorthStone Ins Co
Charleston, WV 		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 NorthStone Ins Co
Charleston, WV 		Click to
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Net Income 1.57M
Net Premium 18.54M
Health Premium --