A
Sterling Ins Co
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
7.59
Risk Adjusted
Capital Ratio #2
5.33
Loss
Ratio
56.08%
Total
Assets
339.88M
Capital
235.87M
Net
Premiums
49.81M
Net
Income
7.95M
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Weiss Ratings Sterling Ins Co
Cobleskill, NY 		Click to
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Rating A
Capitalization Index 10.00
Investment Safety Index --
Liquidity Index 7.10
Profitability Index 8.40
Reserve Adequacy Index 8.10
Stability Index 7.20
Company Info Sterling Ins Co
Cobleskill, NY 		Click to
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Industry P&C
NAIC Number 15210
Phone Number --
Website sterlingins.com
Address 182 Barnerville Road Cobleskill, NY 12043
Balance Sheet Sterling Ins Co
Cobleskill, NY 		Click to
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Total Assets 339.88M
Capital and Reserves Sterling Ins Co
Cobleskill, NY 		Click to
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Risk-Adjusted Capital Ratio #1 7.59
Risk-Adjusted Capital Ratio #2 5.33
1-Year Reserve Development -70.00%
2-Year Reserve Development -30.00%
Capital 235.87M
Premium to Surplus 40.00%
Reserves to Surplus 10.00%
Investments Sterling Ins Co
Cobleskill, NY 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 0.19%
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Sterling Ins Co
Cobleskill, NY 		Click to
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Medical Loss Ratio --
Cash From Underwriting 130.00%
Combined Ratio 90.00%
Expense Ratio 30.00%
Loss Ratio 56.08%
Net Premium Growth 20.00%
Other Medical Sterling Ins Co
Cobleskill, NY 		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 Sterling Ins Co
Cobleskill, NY 		Click to
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Net Income 7.95M
Net Premium 49.81M
Health Premium --