Company Details

  FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGAN License Status :
Active

NAIC Number :

11185


Phone Number:

616-956-8476


Company Address:

P.O. BOX 2450 
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 Earned Direct Premium Written Direct Losses Paid Direct Losses Incurred Loss Ratio
2018 Total Property & Casualty 0.08% $36,465,159 $36,210,554 $13,520,897 $13,416,462 37.05 %
2018 Total Fire & Allied Lines 0.68% $14,534,840 $14,542,179 $5,221,629 $5,091,182 35.01 %
2018 Dwelling Fire & Allied Lines 2.19% $14,534,840 $14,542,179 $5,221,629 $5,091,182 35.01 %
2018 Total Homeowners 0.03% $2,849,400 $2,891,004 $769,097 $720,887 24.94 %
2018 Homeowners Multi-Peril 0.03% $2,849,400 $2,891,004 $769,097 $720,887 24.94 %
2018 Commercial Multi-Peril 0.00% $92,486 $174,413 $51,415 $119,964 68.78 %
2018 Mobile Homes 5.24% $8,255,238 $8,177,622 $2,330,000 $2,115,363 25.87 %
2018 Ocean Marine 0.94% $1,771,162 $1,689,144 $1,076,890 $1,165,549 69.00 %
2018 Inland Marine (Incl Auto Cargo) 0.02% $425,749 $432,912 $142,952 $127,127 29.37 %
2018 Earthquake 0.05% $202,172 $200,392 $0 $-12 -0.01 %
2018 Direct Workers Compensation 0.00% $48,309 $106,747 $36,362 $5,362 5.02 %
2018 Other Liability - Bodily Injury & Property Damage 0.06% $1,976,684 $1,919,897 $1,128,427 $1,037,433 54.04 %
2018 Total Private Passenger Automobile 0.04% $6,093,447 $5,856,040 $2,738,793 $2,983,169 50.94 %
2018 Private Passenger Auto Liability Bodily Injury 0.06% $2,179,902 $2,145,948 $819,190 $1,091,456 50.86 %
2018 Private Passenger Auto Liability Property Damage 0.01% $290,611 $278,779 $85,846 $102,958 36.93 %
2018 Private Passenger Uninsured Motorists 0.00% $0 $0 $25,000 $11,650 N/A
2018 Private Passenger Underinsured Motorists 0.00% $0 $0 $0 $26,700 N/A
2018 Private Passenger Auto Comprehensive 0.09% $2,204,477 $2,079,761 $966,577 $943,077 45.35 %
2018 Private Passenger Auto Collision 0.04% $1,418,457 $1,351,552 $842,180 $807,328 59.73 %
2018 Total Commercial Automobile 0.00% $31,005 $47,370 $10,160 $17,768 37.51 %
2018 Commercial Auto Liability Bodily Injury 0.00% $13,964 $20,762 $0 $6,109 29.42 %
2018 Commercial Auto Liability Property Damage 0.00% $5,984 $8,898 $8,190 $9,458 N/A
2018 Commercial Auto Medical Payments 0.00% $761 $1,160 $0 $151 13.02 %
2018 Commercial Auto Uninsured Motorists 0.00% $2,742 $4,029 $0 $387 9.61 %
2018 Commercial Auto Comprehensive 0.00% $2,654 $4,600 $0 $-79 -1.72 %
2018 Commercial Auto Collision 0.00% $4,900 $7,921 $1,970 $1,742 21.99 %
2018 National Flood Insurance Program 0.29% $184,667 $172,834 $15,172 $32,670 18.90 %
2017 Total Property & Casualty 0.16% $36,414,504 $36,173,894 $14,241,171 $16,066,782 44.42 %
2017 Total Fire & Allied Lines 1.42% $15,039,956 $14,858,979 $4,995,855 $5,200,315 35.00 %
2017 Dwelling Fire & Allied Lines 4.42% $15,039,956 $14,858,979 $4,995,855 $5,200,315 35.00 %
2017 Total Homeowners 0.07% $2,879,462 $3,077,100 $1,072,989 $1,191,580 38.72 %
2017 Homeowners Multi-Peril 0.07% $2,879,462 $3,077,100 $1,072,989 $1,191,580 38.72 %
2017 Commercial Multi-Peril 0.01% $204,754 $209,759 $200,686 $93,463 44.56 %
2017 Mobile Homes 10.30% $8,099,329 $8,128,288 $2,891,779 $3,301,588 40.62 %
2017 Ocean Marine 1.77% $1,646,219 $1,611,329 $1,153,368 $1,171,527 72.71 %
2017 Inland Marine (Incl Auto Cargo) 0.04% $430,586 $425,336 $119,017 $138,233 32.50 %
2017 Earthquake 0.09% $193,463 $198,417 $0 $-60 -0.03 %
2017 Direct Workers Compensation 0.01% $168,863 $174,892 $35,754 $68,846 39.36 %
2017 Other Liability - Bodily Injury & Property Damage 0.11% $1,880,596 $1,840,168 $636,342 $1,618,120 87.93 %
2017 Total Private Passenger Automobile 0.09% $5,657,789 $5,441,823 $2,838,225 $2,910,550 53.48 %
2017 Private Passenger Auto Liability Bodily Injury 0.13% $2,120,747 $2,136,333 $686,533 $672,356 31.47 %
2017 Private Passenger Auto Liability Property Damage 0.02% $264,391 $251,122 $36,457 $40,995 16.32 %
2017 Private Passenger Auto Medical Payments 0.00% $0 $0 $0 $-3 N/A
2017 Private Passenger Uninsured Motorists 0.00% $0 $0 $0 $4,450 N/A
2017 Private Passenger Auto Comprehensive 0.17% $1,977,674 $1,818,221 $1,229,074 $1,284,603 70.65 %
2017 Private Passenger Auto Collision 0.08% $1,294,977 $1,236,147 $886,161 $908,149 73.47 %
2017 Total Commercial Automobile 0.00% $49,464 $50,528 $8,386 $6,897 13.65 %
2017 Commercial Auto Liability Bodily Injury 0.00% $23,759 $24,181 $0 $-3,381 -13.98 %
2017 Commercial Auto Liability Property Damage 0.00% $6,665 $6,846 $787 $2,601 37.99 %
2017 Commercial Auto Medical Payments 0.01% $1,121 $1,123 $0 $-215 -19.15 %
2017 Commercial Auto Uninsured Motorists 0.01% $4,264 $4,273 $0 $-63 -1.47 %
2017 Commercial Auto Comprehensive 0.00% $5,044 $5,156 $0 $89 1.73 %
2017 Commercial Auto Collision 0.00% $8,611 $8,949 $7,599 $7,866 87.90 %
2017 National Flood Insurance Program 0.55% $164,023 $157,275 $288,770 $365,723 N/A
2016 Total Property & Casualty 0.16% $35,862,235 $35,746,462 $12,607,532 $11,292,255 31.59 %
2016 Total Fire & Allied Lines 1.43% $14,579,293 $14,413,397 $3,672,212 $3,281,140 22.76 %
2016 Dwelling Fire & Allied Lines 4.17% $14,579,293 $14,413,397 $3,672,212 $3,281,140 22.76 %
2016 Total Homeowners 0.08% $3,141,065 $3,391,134 $928,197 $850,142 25.07 %
2016 Homeowners Multi-Peril 0.08% $3,141,065 $3,391,134 $928,197 $850,142 25.07 %
2016 Commercial Multi-Peril 0.01% $226,045 $263,521 $21,122 $-11,648 -4.42 %
2016 Mobile Homes 10.24% $8,168,973 $8,153,796 $2,786,778 $2,572,332 31.55 %
2016 Ocean Marine 1.56% $1,574,544 $1,490,288 $1,101,749 $1,089,427 73.10 %
2016 Inland Marine (Incl Auto Cargo) 0.04% $422,909 $413,291 $94,083 $96,054 23.24 %
2016 Earthquake 0.10% $205,334 $204,852 $0 $-84 -0.04 %
2016 Direct Workers Compensation 0.01% $143,241 $195,666 $180,153 $160,419 81.99 %
2016 Other Liability - Bodily Injury & Property Damage 0.13% $1,806,334 $1,762,905 $711,124 $284,406 16.13 %
2016 Total Private Passenger Automobile 0.09% $5,395,545 $5,248,299 $2,861,081 $2,694,335 51.34 %
2016 Private Passenger Auto Liability Bodily Injury 0.06% $903,888 $899,785 $771,161 $667,371 74.17 %
2016 Private Passenger Auto Liability Property Damage 0.03% $320,649 $297,377 $89,512 $72,341 24.33 %
2016 Private Passenger Auto Medical Payments 0.20% $298,634 $296,344 $0 $-8 0.00 %
2016 Private Passenger Uninsured Motorists 0.30% $627,578 $631,508 $0 $8,864 1.40 %
2016 Private Passenger Underinsured Motorists 0.16% $279,226 $286,779 $25,000 $25,000 8.72 %
2016 Private Passenger Auto Comprehensive 0.16% $1,732,215 $1,632,319 $1,096,748 $1,018,026 62.37 %
2016 Private Passenger Auto Collision 0.08% $1,233,355 $1,204,187 $878,660 $902,741 74.97 %
2016 Total Commercial Automobile 0.00% $42,375 $48,819 $12,204 $6,091 12.48 %
2016 Commercial Auto Liability Bodily Injury 0.00% $18,096 $21,454 $500 $-1,611 -7.51 %
2016 Commercial Auto Liability Property Damage 0.00% $7,755 $9,194 $9,540 $7,730 84.08 %
2016 Commercial Auto Medical Payments 0.01% $1,005 $1,218 $0 $-834 -68.47 %
2016 Commercial Auto Uninsured Motorists 0.01% $3,735 $4,067 $0 $-290 -7.13 %
2016 Commercial Auto Comprehensive 0.00% $4,316 $4,662 $0 $-358 -7.68 %
2016 Commercial Auto Collision 0.00% $7,468 $8,224 $2,164 $1,454 17.68 %
2016 National Flood Insurance Program 0.51% $156,577 $160,494 $238,829 $269,641 N/A

Enforcements

The department has not taken enforcement action against this company in the past three years.

Link to Enforcements Page


Complaint Index

Year Line Market Share Number of Complaints Complaint Index
2018 Private Passenger Auto 0.14% 3 106
2018 Homeowners 1.09% 8 83
2017 Homeowners 1.13% 12 111
2017 Private Passenger Auto 0.14% 3 95
2016 Private Passenger Auto 0.15% 2 61
2016 Homeowners 1.17% 10 80


Company Changes

Effective Date: 11/03/2006

Comments:

Effective Date: 08/21/2015

Comments:

Effective Date: 10/11/2016

Comments:


Market Conduct

Date: 11/03/2006

B7603183_order.pdf

Date: 08/21/2015

Foremost.pdf

Date: 10/11/2016

ForemostMC.pdf


Financial Exams

This company does not have any financial exams.