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


Columbus, Ohio, May 8, 2014: 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 by a group of personal care homes in Pennsylvania in response to the need for a segregation of insurance for adult residential care facilities that do not provide skilled care.  These facilities include personal care homes, assisted living facilities, adult foster care, adult family homes and other similar types of operations.  PCH is currently writing various limits of liability insurance in 37 States.  PCH is domiciled in Washington, DC.  Program Management is provided by PCALIC, LLC out of central Pennsylvania.  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.  Visit www.demotech.com for more information.

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