Company Details

  CORNERSTONE NATIONAL INSURANCE COMPANY License Status :
Active

NAIC Number :

10783


Phone Number:

573-817-2481


Company Address:

P.O. BOX 6040 
COLUMBIA, MO  65205-6040

Description:

Property and Casualty


License Number:

B420010


Date Admitted:

1997-03-19


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
2018 Total Property & Casualty 0.01% $4,520,913 $5,033,567 $3,653,727 $2,856,701 56.75 %
2018 Total Private Passenger Automobile 0.03% $4,144,616 $4,642,887 $3,653,727 $2,856,701 61.53 %
2018 Private Passenger Auto Liability Bodily Injury 0.03% $1,219,293 $1,339,874 $1,171,671 $850,187 63.45 %
2018 Private Passenger Auto Liability Property Damage 0.04% $1,013,096 $1,157,188 $973,529 $706,410 61.05 %
2018 Private Passenger Auto Medical Payments 0.04% $120,723 $139,397 $116,008 $84,178 60.39 %
2018 Private Passenger Uninsured Motorists 0.04% $205,594 $225,851 $197,564 $143,356 63.47 %
2018 Private Passenger Underinsured Motorists 0.01% $60,924 $67,300 $58,544 $42,481 63.12 %
2018 Private Passenger Auto Comprehensive 0.03% $762,247 $811,142 $568,022 $514,878 63.48 %
2018 Private Passenger Auto Collision 0.02% $762,739 $902,135 $568,389 $515,211 57.11 %
2018 National Flood Insurance Program 0.60% $376,297 $390,680 $0 $0 0.00 %
2017 Total Property & Casualty 0.03% $6,688,988 $7,162,656 $5,466,154 $5,153,324 71.95 %
2017 Total Private Passenger Automobile 0.10% $6,301,636 $6,780,577 $5,466,154 $5,153,324 76.00 %
2017 Private Passenger Auto Liability Bodily Injury 0.10% $1,684,681 $1,749,282 $1,505,469 $1,255,679 71.78 %
2017 Private Passenger Auto Liability Property Damage 0.12% $1,650,145 $1,790,052 $1,375,248 $1,228,542 68.63 %
2017 Private Passenger Auto Medical Payments 0.13% $205,151 $231,899 $207,212 $161,204 69.51 %
2017 Private Passenger Uninsured Motorists 0.13% $300,594 $328,779 $412,749 $236,202 71.84 %
2017 Private Passenger Underinsured Motorists 0.05% $86,662 $90,848 $2,483 $174,159 N/A
2017 Private Passenger Auto Comprehensive 0.08% $973,507 $1,074,598 $935,194 $859,992 80.03 %
2017 Private Passenger Auto Collision 0.08% $1,400,896 $1,515,119 $1,027,799 $1,237,546 81.68 %
2017 National Flood Insurance Program 1.30% $387,352 $382,079 $0 $0 0.00 %
2016 Total Property & Casualty 0.04% $7,897,142 $8,369,450 $6,186,923 $5,046,276 60.29 %
2016 Total Private Passenger Automobile 0.13% $7,503,223 $7,979,265 $6,186,923 $5,046,276 63.24 %
2016 Private Passenger Auto Liability Bodily Injury 0.13% $1,929,377 $2,066,744 $2,288,234 $1,672,958 80.95 %
2016 Private Passenger Auto Liability Property Damage 0.16% $1,967,252 $2,044,849 $1,361,979 $995,761 48.70 %
2016 Private Passenger Auto Medical Payments 0.15% $232,357 $250,583 $219,744 $160,658 64.11 %
2016 Private Passenger Uninsured Motorists 0.18% $381,902 $409,688 $129,634 $94,777 23.13 %
2016 Private Passenger Underinsured Motorists 0.06% $107,607 $126,151 $149,350 $109,192 86.56 %
2016 Private Passenger Auto Comprehensive 0.11% $1,234,754 $1,326,250 $794,692 $1,228,007 92.59 %
2016 Private Passenger Auto Collision 0.11% $1,649,974 $1,755,000 $1,243,290 $784,923 44.72 %
2016 National Flood Insurance Program 1.28% $393,919 $390,185 $0 $0 0.00 %

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 0.15% 9 305
2017 Private Passenger Auto 0.21% 9 192
2016 Private Passenger Auto 0.31% 11 157


Company Changes

Effective Date: 11/20/2017

Comments:

Effective Date: 10/18/2018

Comments: Proposed Acquisition of Cornerstone National Insurance Company by CFM Insurance Inc.


Market Conduct

This company does not have any market conduct exams or investigations.


Financial Exams

Date: 11/20/2017

CornerstoneNatInsCoORD.pdf