RAM Mutual Insurance Company

BestLink

AMB #: 004814 NAIC #: 16330 FEIN #: 410246603

Mailing Address
P.O. Box 308
Esko, Minnesota 55733

United States

Web: www.rammutual.com

Phone: 218-879-3321

Fax: 218-879-7097

View Additional Address Information

Domiciliary Address
125 East Highway 61
Esko, Minnesota 55733
United States

Assigned to insurance companies that have, in our opinion, a good ability to meet their ongoing insurance obligations.

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Best's Credit Ratings

Financial Strength View Definition

Rating (Rating Category):	B++ (Good)
Outlook (or Implication):	Positive
Action:	Affirmed
Effective Date:	October 02, 2026
Initial Rating Date:	June 30, 1973

Long-Term Issuer Credit View Definition

Rating (Rating Category):	bbb+ (Good)
Outlook (or Implication):	Positive
Action:	Affirmed
Effective Date:	October 02, 2026
Initial Rating Date:	November 22, 2004

Financial Size Category View Definition

Financial Size Category:

VII (USD 50 Million to Less than 100 Million)

u Denotes Under Review Best's Rating

Best's Credit Rating Analyst

Rating Office: A.M. Best Rating Services, Inc.

Senior Financial Analyst: Josie Novak, FRM, CPCU, AIAF, ARM, ARe

Associate Director: Janet Hernandez

Note: See the Disclosure information Form or Press Release below for the office and analyst at the time of the rating event.

Disclosure Information

Disclosure Information Form
View AM Best's Rating Disclosure Form

Press Release
AM Best Revises Outlooks to Positive for RAM Mutual Insurance Company
October 02, 2026

Rating History

A.M. Best has provided ratings & analysis on this company since 1973.

Financial Strength Rating

Effective Date	Rating
October 02, 2026	B++
September 09, 2025	B++
January 15, 2025	NR
January 15, 2025	B++
April 04, 2024	B++
December 14, 2023	B++u
November 30, 2022	A-
May 17, 2022	A

Long-Term Issuer Credit Rating

Effective Date	Rating
October 02, 2026	bbb+
September 09, 2025	bbb+
January 15, 2025	nr
January 15, 2025	bbb+
April 04, 2024	bbb+
December 14, 2023	bbb+ u
November 30, 2022	a-
May 17, 2022	a

Best's Credit & Financial Reports

Best's Credit Report - financial data included in Best's Credit Report reflects the data used in determining the current credit rating(s).

Best's Credit Report - Archive - reports which were released prior to the current Best's Credit Report.

Best's Financial Report - financial data included in Best's Financial Report reflects the most current data available to AM Best, including updated financial exhibits and additional company information, and is available to subscribers of Best's Insurance Reports.

Best's Financial Report - Archive - reports which were released prior to the current Best's Financial Report.

View additional news, reports and products for this company.

Press Releases

Date	Title


Oct 02, 2026	AM Best Revises Outlooks to Positive for RAM Mutual Insurance Company
Sep 09, 2025	AM Best Assigns Credit Ratings to RAM Mutual Insurance Company
Jan 15, 2025	AM Best Withdraws Credit Ratings of RAM Mutual Insurance Company
Apr 04, 2024	AM Best Removes From Under Review With Negative Implications and Affirms Credit Ratings of RAM Mutual Insurance Company
Dec 14, 2023	AM Best Downgrades Credit Ratings of RAM Mutual Insurance Company; Places Credit Ratings Under Review With Negative Implication
Nov 30, 2022	AM Best Downgrades Credit Ratings of RAM Mutual Insurance Company
May 17, 2022	AM Best Revises Outlooks to Negative for RAM Mutual Insurance Company
Mar 13, 2017	A.M. Best Upgrades Credit Ratings of RAM Mutual Insurance Company
Feb 25, 2016	A.M. Best Revises Outlook to Positive for RAM Mutual Insurance Company