Demotech Assigns Financial Stability Rating® to Inland Mutual Insurance Company

Columbus, Ohio, July 7, 2021: Inland Mutual Insurance Company has earned a Financial Stability Rating® (FSR) of A’ (A Prime), Unsurpassed, from Demotech, Inc.  This level of FSR is assigned to insurers who possess unsurpassed 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 Inland Mutual Insurance Company

Inland Mutual Insurance Company was founded in 1937 and is licensed to write property / casualty insurance products in WV, OH, KY, and VA.  Inland is domiciled in Huntington, WV and provides a wide variety of personal-lines homeowners and dwelling fire products.  Inland’s primary niche is low to modest valued homes and mobile homes with disciplined underwriting practices and stands apart by providing stellar claims service for its policyholders.  The company demonstrates sustained surplus growth and financial strength.  Inland’s product programs provide several payment plans to well serve policyholders and independent agent needs.  In most cases, coverages can be tailored to meet individual needs with various endorsements to specifically meet unique and hard-to-place risks.  Inland maintains a high surplus to written premium ratio and sticks to disciplined investment practices to continuously provide the highest level of security and value to policyholder owner members.  As a mutual company, Inland’s 3rd generation / experienced insurance leadership team is committed to providing policyholders with top-notch service and value by putting their interests first.

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 for additional information.

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