Oregon Mutual Ins Co
Major Rating Factors:
A history of deficient reserves (1.1 on a scale of 0 to 10) that places pressure on both capital and profits. Deficiencies in the two year reserve development occurred in three of the previous five years and ranged between 15.3% and 69.5%. Weak profitability index (1.9) with operating losses during 2022, 2023, 2024 and 2025. Fair overall results on stability tests (4.1) including negative cash flow from operations for 2025 and weak results on operational trends. The largest net exposure for one risk is acceptable at 3.0% of capital.
Other Rating Factors:
Good long-term capitalization index (5.6) based on good current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range over the last two years. Good liquidity (5.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Comm multi (39.7%), personal/comm auto (32.7%), farmowners (11.2%), fire (2.7%), product liab. (0.6%), other (13.1%)
Licensed in:
CA, ID, OR, WA
Principal Investments:
Investment grade bonds (76.7%), cash (12.7%), common stock (8.4%), other (2.2%)
Corporate Info
Group Affiliation
Oregon Mutual Ins Co
Investment Rating
--
Company Address
400 Northeast Baker Street
McMinnville, OR 97128
McMinnville, OR 97128
Phone Number
(503) 472-2141
NAIC Number
14907
Website
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