C
Emerald Bay Spclty Ins Co
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
5.69
Risk Adjusted
Capital Ratio #2
5.58
Loss
Ratio
-2.22%
Total
Assets
215.34M
Capital
93.23M
Net
Premiums
-13.62M
Net
Income
-11.26M
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Weiss Ratings Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Rating C
Capitalization Index 10.00
Investment Safety Index --
Liquidity Index 7.20
Profitability Index 2.50
Reserve Adequacy Index 3.60
Stability Index 2.90
Company Info Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Industry P&C
NAIC Number 17527
Phone Number (862) 332-8050
Website www.emeraldbayrisk.com
Address 177 Madison Avenue Morristown, NJ 07960
Balance Sheet Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Total Assets 215.34M
Capital and Reserves Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Risk-Adjusted Capital Ratio #1 5.69
Risk-Adjusted Capital Ratio #2 5.58
1-Year Reserve Development 0.00%
2-Year Reserve Development 0.00%
Capital 93.23M
Premium to Surplus 0.00%
Reserves to Surplus 0.00%
Investments Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 16.96%
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Medical Loss Ratio --
Cash From Underwriting 110.00%
Combined Ratio 350.00%
Expense Ratio 360.00%
Loss Ratio -2.22%
Net Premium Growth --
Other Medical Emerald Bay Spclty Ins Co
Morristown, NJ 		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 Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Net Income -11.26M
Net Premium -13.62M
Health Premium --