C
Mainsail Ins Co
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Weak overall results on stability tests (2.4 on a scale of 0 to 10) including excessive premium growth and weak results on operational trends. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Fair profitability index (4.9).
Other Rating Factors: Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years. Excellent liquidity (7.2) with ample operational cash flow and liquid investments.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk. G - Fast asset or premium growth. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Reinsurance (100.0%)
Licensed in: All states except CA, DE, ID, MI, MN, MO, NY, OR, VA, VT
Principal Investments: Investment grade bonds (19.1%), cash (5.8%), other (75.1%)
Ratios
Premium to Surplus
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Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
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Cash From Underwriting
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Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
Emerald Bay Risk Solutions
Investment Rating
--
Company Address
177 Madison Avenue
Morristown, NJ 07960
Phone Number
(862) 332-8050
NAIC Number
17203
Largest Affiliates
C
Morristown, NJ - P&C