A
Old Guard Ins Co
Rating Date
April 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
2.90
Risk Adjusted
Capital Ratio #2
1.90
Loss
Ratio
74.44%
Total
Assets
650.01M
Capital
262.14M
Net
Premiums
234.70M
Net
Income
3.22M
My Lists My Alerts
Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
5,389
971
6,360
15.27%
22.82%
2022
5,409
1,004
6,413
15.66%
23.10%
2021
4,827
979
5,806
16.86%
22.81%
2020
4,484
864
5,348
16.16%
21.51%
2019
6,036
1,241
7,277
17.05%
22.66%
2018
5,997
1,247
7,244
17.21%
21.92%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
268
107
375
28.53%
47.27%
2022
286
119
405
29.38%
45.41%
2021
291
112
403
27.79%
44.40%
2020
286
92
378
24.34%
42.42%
2019
503
158
661
23.90%
44.33%
2018
646
213
859
24.80%
44.16%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
439
401
840
47.74%
38.64%
2022
342
367
709
51.76%
39.39%
2021
313
328
641
51.17%
40.41%
2020
356
337
693
48.63%
48.09%
2019
402
440
842
52.26%
43.30%
2018
400
493
893
55.21%
41.13%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
2,188
560
2,748
20.38%
36.96%
2022
1,498
443
1,941
22.82%
37.08%
2021
1,328
454
1,782
25.48%
39.17%
2020
1,545
515
2,060
25.00%
35.42%
2019
1,490
495
1,985
24.94%
35.34%
2018
1,167
427
1,594
26.79%
34.35%
Other Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
0
2
2
100.00%
74.81%
2022
1
1
2
50.00%
73.22%
2021
1
1
2
50.00%
79.01%
2020
1
2
3
66.67%
80.13%
2019
1
2
3
66.67%
77.47%
2018
1
2
3
66.67%
77.10%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
35
49
84
58.33%
16.34%
2022
30
40
70
57.14%
11.13%
2021
30
34
64
53.13%
18.93%
2020
35
34
69
49.28%
20.93%
2019
42
64
106
60.38%
16.90%
2018
37
95
132
71.97%
11.94%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
780
232
1,012
22.92%
44.64%
2022
770
216
986
21.91%
46.15%
2021
779
246
1,025
24.00%
46.87%
2020
777
227
1,004
22.61%
43.90%
2019
1,160
304
1,464
20.77%
42.09%
2018
1,192
331
1,523
21.73%
39.60%
Product Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
0
2
2
100.00%
62.55%
2022
0
2
2
100.00%
56.52%
2021
0
1
1
100.00%
62.74%
2020
0
0
0
0.00%
61.51%
2019
1
2
3
66.67%
70.02%
2018
2
1
3
33.33%
70.45%
Workers' Compensation
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
138
49
187
26.20%
35.70%
2022
166
63
229
27.51%
37.14%
2021
173
67
240
27.92%
35.46%
2020
153
67
220
30.45%
33.86%
2019
229
85
314
27.07%
34.01%
2018
280
89
369
24.12%
32.34%