B
WestGUARD Ins Co
Rating Date
June 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.10
Risk Adjusted
Capital Ratio #2
1.10
Loss
Ratio
127.12%
Total
Assets
1.59B
Capital
1.31B
Net
Premiums
43.11M
Net
Income
-5.27M
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Weiss Ratings WestGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Rating B
Capitalization Index 7.10
Investment Safety Index --
Liquidity Index 10.00
Profitability Index 4.80
Reserve Adequacy Index 6.90
Stability Index 7.00
Company Info WestGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Industry P&C
NAIC Number 11981
Phone Number --
Website www.guard.com
Address 39 Public Square Wilkes-Barre, PA 18701
Balance Sheet WestGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Total Assets 1.59B
Capital and Reserves WestGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Risk-Adjusted Capital Ratio #1 1.10
Risk-Adjusted Capital Ratio #2 1.10
1-Year Reserve Development 170.00%
2-Year Reserve Development 190.00%
Capital 1.31B
Premium to Surplus 0.00%
Reserves to Surplus 10.00%
Investments WestGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 80.89%
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios WestGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Medical Loss Ratio --
Cash From Underwriting 140.00%
Combined Ratio 160.00%
Expense Ratio 40.00%
Loss Ratio 127.12%
Net Premium Growth -20.00%
Other Medical WestGUARD Ins Co
Wilkes-Barre, PA 		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 WestGUARD Ins Co
Wilkes-Barre, PA 		Click to
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Net Income -5.27M
Net Premium 43.11M
Health Premium --