Bar Plan Mutual Ins Co
Major Rating Factors:
Fair profitability index (4.5 on a scale of 0 to 10) with small operating losses during 2024. Return on equity has been low, averaging 1.3% over the past five years. Fair overall results on stability tests (3.8) including negative cash flow from operations for 2024. The largest net exposure for one risk is conservative at 1.9% of capital. Strong long-term capitalization index (7.3) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Ample reserve history (9.5) that helps to protect the company against sharp claims increases. Excellent liquidity (8.5) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Fin guar/surety (16.9%), other (83.1%)
Licensed in:
All states except CT, NH
Principal Investments:
Investment grade bonds (52.7%), common stock (32.7%), non investment grade bonds (9.4%), cash (2.6%), other (2.7%)
Corporate Info
Group Affiliation
The Bar Plan Mutual Ins Co
Investment Rating
--
Company Address
622 Emerson Road
Saint Louis, MO 63141
Saint Louis, MO 63141
Phone Number
(314) 965-3333
NAIC Number
29513
Website
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