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Company Details
FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGAN License Status :
Active
NAIC Number :
11185
Phone Number:
6169562813
Company Address:
P.O. BOX 2450 Loc 1415
GRAND RAPIDS, MI 49501-2450
Description:
Property and Casualty
License Number:
B420834
Date Admitted:
1954-07-02
Market Share
Link to Supplemental Data Page
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Direct Losses Paid | Direct Losses Incurred | Loss Ratio |
|---|---|---|---|---|---|---|---|
| 2023 | Total Property & Casualty | 0.30% | $46,908,244 | $45,569,287 | $21,954,861 | $21,758,977 | 47.75 % |
| 2023 | Total Fire & Allied Lines | 2.69% | $20,883,071 | $20,687,927 | $7,640,180 | $7,537,114 | 36.43 % |
| 2023 | Dwelling Fire & Allied Lines | 8.99% | $20,883,071 | $20,687,927 | $7,640,180 | $7,537,116 | 36.43 % |
| 2023 | Commercial Fire & Allied Lines | 0.00% | $0 | $0 | $0 | $-2 | N/A |
| 2023 | Total Homeowners | 0.16% | $4,751,198 | $4,090,820 | $1,905,454 | $2,089,366 | 51.07 % |
| 2023 | Homeowners Multi-Peril | 0.16% | $4,751,198 | $4,090,820 | $1,905,454 | $2,089,366 | 51.07 % |
| 2023 | Commercial Multi-Peril | 0.00% | $0 | $0 | $0 | $15,126 | N/A |
| 2023 | Mobile Homes | 31.25% | $9,715,306 | $8,759,843 | $5,064,042 | $5,239,290 | 59.81 % |
| 2023 | Ocean Marine | 3.19% | $1,679,228 | $1,787,100 | $954,419 | $911,088 | 50.98 % |
| 2023 | Inland Marine (Incl Auto Cargo) | 0.08% | $419,784 | $408,480 | $172,748 | $156,013 | 38.19 % |
| 2023 | Earthquake | 0.23% | $324,171 | $316,457 | $0 | $-8 | 0.00 % |
| 2023 | Direct Workers Compensation | 0.00% | $0 | $0 | $0 | $-26,418 | N/A |
| 2023 | Other Liability - Bodily Injury & Property Damage | 0.22% | $2,141,832 | $2,261,950 | $1,666,766 | $1,720,707 | 76.07 % |
| 2023 | Total Private Passenger Automobile | 0.12% | $6,827,071 | $7,108,849 | $4,509,049 | $4,076,099 | 57.34 % |
| 2023 | Private Passenger Auto Liability Bodily Injury | 0.16% | $2,126,905 | $2,275,795 | $1,121,760 | $552,420 | 24.27 % |
| 2023 | Private Passenger Auto Liability Property Damage | 0.03% | $281,223 | $304,288 | $131,098 | $101,908 | 33.49 % |
| 2023 | Private Passenger Auto Comprehensive | 0.24% | $2,714,150 | $4,352,266 | $1,847,754 | $1,960,040 | 45.03 % |
| 2023 | Private Passenger Auto Collision | 0.11% | $1,704,793 | $176,500 | $1,408,437 | $1,461,731 | N/A |
| 2023 | Total Commercial Automobile | 0.00% | $0 | $0 | $0 | $691 | N/A |
| 2023 | Commercial Auto Liability Bodily Injury | 0.00% | $0 | $0 | $0 | $399 | N/A |
| 2023 | Commercial Auto Liability Property Damage | 0.00% | $0 | $0 | $0 | $197 | N/A |
| 2023 | Commercial Auto Medical Payments | 0.00% | $0 | $0 | $0 | $17 | N/A |
| 2023 | Commercial Auto Uninsured Motorists | 0.00% | $0 | $0 | $0 | $78 | N/A |
| 2023 | National Flood Insurance Program | 1.08% | $166,583 | $147,861 | $42,203 | $39,909 | 26.99 % |
| 2022 | Total Property & Casualty | 0.32% | $46,209,527 | $44,575,093 | $17,260,125 | $17,403,913 | 39.04 % |
| 2022 | Total Fire & Allied Lines | 4.34% | $20,882,396 | $19,813,365 | $7,469,853 | $7,068,499 | 35.68 % |
| 2022 | Dwelling Fire & Allied Lines | 13.49% | $20,882,396 | $19,813,365 | $7,469,853 | $7,068,506 | 35.68 % |
| 2022 | Commercial Fire & Allied Lines | 0.00% | $0 | $0 | $0 | $-7 | N/A |
| 2022 | Total Homeowners | 0.15% | $3,995,393 | $3,676,786 | $1,273,954 | $1,360,759 | 37.01 % |
| 2022 | Homeowners Multi-Peril | 0.15% | $3,995,393 | $3,676,786 | $1,273,954 | $1,360,759 | 37.01 % |
| 2022 | Commercial Multi-Peril | 0.00% | $0 | $0 | $0 | $-12,144 | N/A |
| 2022 | Mobile Homes | 29.57% | $8,685,026 | $8,544,603 | $2,476,827 | $2,710,737 | 31.72 % |
| 2022 | Ocean Marine | 3.85% | $1,882,746 | $1,902,084 | $661,205 | $682,369 | 35.87 % |
| 2022 | Inland Marine (Incl Auto Cargo) | 0.08% | $396,506 | $404,761 | $71,747 | $58,366 | 14.42 % |
| 2022 | Earthquake | 0.24% | $325,230 | $307,612 | $0 | $-8 | 0.00 % |
| 2022 | Direct Workers Compensation | 0.00% | $0 | $0 | $0 | $-19,324 | N/A |
| 2022 | Other Liability - Bodily Injury & Property Damage | 0.28% | $2,372,307 | $2,415,909 | $768,971 | $1,252,035 | 51.82 % |
| 2022 | Total Private Passenger Automobile | 0.16% | $7,556,403 | $7,373,672 | $4,414,868 | $4,183,816 | 56.74 % |
| 2022 | Private Passenger Auto Liability Bodily Injury | 0.20% | $2,466,687 | $2,466,023 | $1,401,371 | $1,111,244 | 45.06 % |
| 2022 | Private Passenger Auto Liability Property Damage | 0.04% | $330,870 | $327,453 | $82,249 | $79,136 | 24.17 % |
| 2022 | Private Passenger Auto Medical Payments | 0.00% | $0 | $0 | $4,415 | $4,415 | N/A |
| 2022 | Private Passenger Auto Comprehensive | 0.22% | $2,071,953 | $1,963,833 | $892,020 | $935,492 | 47.64 % |
| 2022 | Private Passenger Auto Collision | 0.21% | $2,686,893 | $2,616,363 | $2,034,813 | $2,053,529 | 78.49 % |
| 2022 | Total Commercial Automobile | 0.00% | $0 | $0 | $2,000 | $499 | N/A |
| 2022 | Commercial Auto Liability Bodily Injury | 0.00% | $0 | $0 | $2,000 | $1,057 | N/A |
| 2022 | Commercial Auto Liability Property Damage | 0.00% | $0 | $0 | $0 | $-373 | N/A |
| 2022 | Commercial Auto Medical Payments | 0.00% | $0 | $0 | $0 | $-20 | N/A |
| 2022 | Commercial Auto Uninsured Motorists | 0.00% | $0 | $0 | $0 | $-165 | N/A |
| 2022 | National Flood Insurance Program | 0.76% | $113,520 | $136,301 | $120,700 | $118,309 | 86.80 % |
| 2021 | Total Property & Casualty | 0.33% | $43,547,147 | $41,022,622 | $16,389,507 | $18,088,699 | 44.09 % |
| 2021 | Total Fire & Allied Lines | 2.94% | $19,401,485 | $17,971,279 | $7,002,307 | $8,446,960 | 47.00 % |
| 2021 | Dwelling Fire & Allied Lines | 13.38% | $19,401,485 | $17,971,279 | $7,002,307 | $8,446,964 | 47.00 % |
| 2021 | Commercial Fire & Allied Lines | 0.00% | $0 | $0 | $0 | $-4 | N/A |
| 2021 | Total Homeowners | 0.14% | $3,445,931 | $2,960,596 | $1,376,172 | $1,369,085 | 46.24 % |
| 2021 | Homeowners Multi-Peril | 0.15% | $3,445,931 | $2,960,596 | $1,376,172 | $1,369,085 | 46.24 % |
| 2021 | Commercial Multi-Peril | 0.00% | $0 | $0 | $0 | $-4,566 | N/A |
| 2021 | Mobile Homes | 28.78% | $8,417,583 | $8,274,588 | $3,138,055 | $3,421,641 | 41.35 % |
| 2021 | Ocean Marine | 4.41% | $1,918,552 | $1,900,180 | $750,199 | $613,028 | 32.26 % |
| 2021 | Inland Marine (Incl Auto Cargo) | 0.09% | $423,091 | $412,758 | $181,565 | $196,412 | 47.59 % |
| 2021 | Earthquake | 0.22% | $291,647 | $265,984 | $0 | $-6 | 0.00 % |
| 2021 | Direct Workers Compensation | 0.00% | $0 | $0 | $68 | $-34,983 | N/A |
| 2021 | Other Liability - Bodily Injury & Property Damage | 0.30% | $2,428,873 | $2,348,096 | $278,647 | $279,995 | 11.92 % |
| 2021 | Total Private Passenger Automobile | 0.16% | $7,060,791 | $6,738,280 | $3,643,080 | $3,804,998 | 56.47 % |
| 2021 | Private Passenger Auto Liability Bodily Injury | 0.20% | $2,399,506 | $2,291,009 | $1,193,141 | $1,423,742 | 62.14 % |
| 2021 | Private Passenger Auto Liability Property Damage | 0.04% | $322,955 | $314,991 | $69,238 | $57,201 | 18.16 % |
| 2021 | Private Passenger Auto Medical Payments | 0.00% | $0 | $0 | $85 | $85 | N/A |
| 2021 | Private Passenger Auto Comprehensive | 0.21% | $1,829,756 | $1,720,104 | $729,316 | $775,010 | 45.06 % |
| 2021 | Private Passenger Auto Collision | 0.21% | $2,508,574 | $2,412,176 | $1,651,300 | $1,548,960 | 64.21 % |
| 2021 | Total Commercial Automobile | 0.00% | $0 | $0 | $0 | $-6,417 | N/A |
| 2021 | Commercial Auto Liability Bodily Injury | 0.00% | $0 | $0 | $0 | $-5,540 | N/A |
| 2021 | Commercial Auto Liability Property Damage | 0.00% | $0 | $0 | $0 | $-507 | N/A |
| 2021 | Commercial Auto Medical Payments | 0.00% | $0 | $0 | $0 | $-15 | N/A |
| 2021 | Commercial Auto Uninsured Motorists | 0.00% | $0 | $0 | $0 | $-230 | N/A |
| 2021 | Commercial Auto Comprehensive | 0.00% | $0 | $0 | $0 | $-42 | N/A |
| 2021 | Commercial Auto Collision | 0.00% | $0 | $0 | $0 | $-83 | N/A |
| 2021 | National Flood Insurance Program | 0.93% | $159,194 | $150,861 | $19,414 | $2,552 | 1.69 % |
Enforcements
The department has not taken enforcement action against this company in the past three years.
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2023 | Private Passenger Auto | 0.15% | 1 | 39 |
| 2023 | Homeowners | 1.06% | 10 | 76 |
| 2022 | Private Passenger Auto | 0.16% | 2 | 84 |
| 2022 | Homeowners | 1.08% | 10 | 96 |
| 2021 | Private Passenger Auto | 0.15% | 1 | 44 |
| 2021 | Homeowners | 1.07% | 10 | 105 |
Company Changes
Market Conduct
Date: 11/03/2006
Date: 08/21/2015
Date: 10/11/2016
Financial Exams
This company does not have any financial exams.