B
WestGUARD Ins Co
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
Loading...
Major Rating Factors: Strong long-term capitalization index (7.1 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. History of adequate reserve strength (6.9) as reserves have been consistently at an acceptable level. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Other Rating Factors: Excellent overall results on stability tests (7.0). Stability strengths include good operational trends and excellent risk diversification. Fair profitability index (4.8) with small operating losses during 2024 and the first three months of 2025. Return on equity has been low, averaging 2.2% over the past five years.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Work comp (32.8%), comm multi (22.5%), personal/comm auto (21.6%), homeowners (17.7%), fire (0.2%), other (5.2%)
Licensed in: All states except IL, OR
Principal Investments: Common stock (85.4%), cash (10.0%), investment grade bonds (4.1%), real estate (0.4%), other (0.1%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
Berkshire Hathaway Inc
Investment Rating
--
Company Address
39 Public Square
Wilkes-Barre, PA 18701
Phone Number
--
NAIC Number
11981
Largest Affiliates
A
Omaha, NE - P&C
B
Chevy Chase, MD - P&C
B
Omaha, NE - P&C
B
Stamford, CT - P&C