Major Rating Factors:
Poor long-term capitalization index (2.5 on a scale of 0 to 10) based on weak current risk adjusted capital (severe loss scenarios), although results have slipped from the good range during the last year. Weak profitability index (0.9) with operating losses during 2023, 2024 and 2025. Vulnerable liquidity (0.0) as a spike in claims may stretch capacity.
Other Rating Factors:
Fair reserve development (4.9) as reserves have generally been sufficient to cover claims. In 2025 the two year reserve development was 24.7% deficient. Fair overall results on stability tests (4.0) including weak results on operational trends. The largest net exposure for one risk is conservative at 1.4% of capital.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (36.9%), homeowners (27.2%), comm multi (13.7%), farmowners (12.7%), fire (0.6%), other (9.0%)
Licensed in:
MT, WY
Principal Investments:
Investment grade bonds (55.2%), common stock (29.2%), cash (8.3%), real estate (1.2%), preferred stock (0.1%), other (6.0%)
Corporate Info
Group Affiliation
Mountain West Farm Bureau Mutual Ins Co
Investment Rating
--
Company Address
931 Boulder Drive
Laramie, WY 82070
Laramie, WY 82070
Phone Number
(866) 882-9871
NAIC Number
29440
Website
Largest Affiliates