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Graph Ins Grp a RRG LLC
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Poor long-term capitalization index (0.0 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the fair range over the last two years. A history of deficient reserves (1.0) that places pressure on both capital and profits. In 2024 the one year reserve development was 171,273.4% deficient. Weak profitability index (0.0) with operating losses during 2023 and 2024.
Other Rating Factors: Weak overall results on stability tests (0.0) including weak risk adjusted capital in prior years and weak results on operational trends. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Stability Factors:
Principal Lines of Business: Med mal (90.0%), other (10.0%)
Licensed in: VT
Principal Investments: Cash (99.5%), other (0.5%)
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
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Corporate Info
Group Affiliation
Graph Ins Group a Risk Retention Group LLC
Investment Rating
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Company Address
27 Main Street
Burlington, VT 05401
Phone Number
(802) 227-7730
NAIC Number
16415
Website
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Largest Affiliates
D
Kew Gardens, NY - P&C