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PCH Mutual A RRG Earns Financial Stability Rating® of A, Exceptional

By Heather Brown
September 25, 2014

Columbus, Ohio, April 25, 2011: PCH Mutual Insurance Company, RRG has earned a Financial Stability Rating® of A, Exceptional, from 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, including Fannie Mae, Freddie Mac and HUD.

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 or call 1-800-673-2558. About Demotech, Inc.

Demotech, Inc. is a financial analysis firm located in Columbus, Ohio. Since 1985, Demotech, Inc. has been serving the insurance industry by providing actuarial consulting and accurate and proven Financial Stability Ratings® (FSRs) for Property & Casualty insurance companies and Title underwriters. Financial Stability Ratings® (FSRs) are a leading indicator of the financial stability of a company. Our rating process provides an objective baseline and insight into the future solvency of a company. As an independent financial analysis and actuarial firm, Demotech has a proven track record of predicting financial stability in the insurance industry. As the first company to have its rating process formally reviewed and accepted by Fannie Mae, Freddie Mac and HUD, Demotech has been leveling the playing field by offering Financial Stability Ratings® (FSRs) to insurers of all sizes. Visit for more information.

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