Demotech Affirms the Financial Stability Rating® Assigned to PCH Mutual Insurance Company, RRG


Columbus, Ohio, July 20, 2020: The Financial Stability Rating® (FSR) of A, Exceptional, assigned to PCH Mutual Insurance Company, RRG has been affirmed by Demotech, Inc. This level of FSR is assigned to insurers who possess exceptional financial stability related to maintaining positive surplus as regards policyholders, liquidity of invested assets, an acceptable level of financial leverage, reasonable loss and loss adjustment expense reserves (L&LAE) and realistic pricing.

FSRs summarize Demotech’s opinion of the financial stability of an insurer regardless of general economic conditions or the phase of the underwriting cycle. FSRs utilize statutory financial data based on insurance accounting principles prescribed or permitted by the National Association of Insurance Commissioners (NAIC). Since 1989, FSRs of A or better have been accepted by the major participants in the secondary mortgage marketplace.

About PCH Mutual Insurance Company, RRG

PCH Mutual Insurance Company (PCH) was formed in 2004 in response to the need for insurance dedicated to adult residential care facilities that do not provide skilled nursing care. These facilities include personal care homes, assisted living facilities, adult foster care, adult family homes and other similar types of long term care operations. PCH is currently writing general and professional liability insurance in 47 States. PCH is domiciled in Vermont. Program Management is provided by PCALIC, LLC. PCH maintains a high surplus to written premium ratio through conservative investments, careful underwriting and tailored risk management tools provided exclusively to member-insureds. For more information or a quotation visit www.pcalic.com or call 1-800-673-2558.

About Demotech, Inc.

Demotech, Inc. is a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers.  Since 1985, Demotech has served the insurance industry by assigning accurate, reliable, and proven Financial Stability Ratings® (FSRs) for Property & Casualty insurers and Title underwriters.  FSRs are a leading indicator of financial stability, providing an objective baseline of the future solvency of an insurer.  Demotech’s philosophy is to review and evaluate insurers based on their area of focus and execution of their business model rather than solely on financial size.  Demotech was the first to review and rate independent regional and specialty insurers. Demotech’s consistently increasing list of accreditations and acceptances has resulted in rating and reviewing more than 400 insurers operating in the US.  Visit www.demotech.com for additional information.

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