B
National Mutual Ins Co
Celina,  OH
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
3.62
Risk Adjusted
Capital Ratio #2
2.21
Loss
Ratio
68.15%
Total
Assets
138.13M
Capital
53.02M
Net
Premiums
35.00M
Net
Income
3.24M
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
2024
1,647
522
2,169
24.07%
23.31%
2023
1,860
544
2,404
22.63%
22.83%
2022
1,870
576
2,446
23.55%
23.10%
2021
1,842
608
2,450
24.82%
22.81%
2020
1,812
530
2,342
22.63%
21.51%
2019
2,408
686
3,094
22.17%
22.66%
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
2024
92
29
121
23.97%
47.45%
2023
93
33
126
26.19%
47.29%
2022
96
27
123
21.95%
45.44%
2021
83
22
105
20.95%
44.40%
2020
49
21
70
30.00%
42.45%
2019
64
19
83
22.89%
44.33%
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
2024
148
87
235
37.02%
41.74%
2023
180
89
269
33.09%
38.64%
2022
154
100
254
39.37%
39.39%
2021
126
81
207
39.13%
40.41%
2020
245
158
403
39.21%
48.09%
2019
127
89
216
41.20%
43.30%
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
2024
824
247
1,071
23.06%
39.58%
2023
1,265
350
1,615
21.67%
36.96%
2022
869
353
1,222
28.89%
37.07%
2021
725
296
1,021
28.99%
39.17%
2020
1,513
536
2,049
26.16%
35.42%
2019
1,290
436
1,726
25.26%
35.34%
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
2024
2
3
5
60.00%
12.32%
2023
3
4
7
57.14%
16.34%
2022
4
5
9
55.56%
11.13%
2021
5
6
11
54.55%
18.93%
2020
2
4
6
66.67%
20.93%
2019
3
3
6
50.00%
16.90%
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
2024
440
118
558
21.15%
45.22%
2023
496
116
612
18.95%
44.64%
2022
510
150
660
22.73%
46.15%
2021
571
165
736
22.42%
46.87%
2020
541
204
745
27.38%
43.90%
2019
803
293
1,096
26.73%
42.09%
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
2024
0
0
0
0.00%
63.97%
2023
0
1
1
100.00%
62.55%
2022
0
1
1
100.00%
56.52%
2021
1
1
2
50.00%
62.74%
2020
0
0
0
0.00%
61.51%
2019
0
0
0
0.00%
70.02%
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
2024
16
5
21
23.81%
35.33%
2023
16
6
22
27.27%
35.67%
2022
13
8
21
38.10%
37.14%
2021
17
4
21
19.05%
35.46%
2020
13
6
19
31.58%
33.86%
2019
13
4
17
23.53%
34.01%