Financial Strength

We safeguard what matters most

You’ve poured time and energy into building your organization — but what if the unexpected puts it all at risk?

At GuideOne Insurance, we help safeguard what matters most. We know your industry, champion your mission and stand ready to help you recover and thrive when challenges arise.

Since 1947, GuideOne has been a trusted name in customized insurance and risk management solutions. In 2023, we sharpened our focus on the markets we know best, streamlining operations to serve you more efficiently and competitively. A $200 million investment from Bain Capital Insurance further reinforced our financial strength and our ability to support your growth for years to come.

Message from the CEO

I am proud to share this annual report highlighting GuideOne’s key milestones and achievements throughout 2025. As I reflect on the company’s accomplishments, one theme stands out amongst the rest – strength. GuideOne had a strong year marked by consistent profitability, surplus growth, and solid rate momentum. 

GuideOne’s strong operational and financial performance stands out because of our organization’s dedication to our team members and policyholders. We also have a meaningful advantage within the industry from our solid, well-aligned partnership with The Mutual Group (TMG), an independent insurance services provider focused on strengthening mutual insurers. Their ongoing investments in people, systems, and analytics are enhancing our long-term capabilities and supporting modernization across the organization. 

We continue to build on a modernized business foundation, which is rooted in sound underwriting and operational excellence. This foundation enables us to deliver consistent profitability and surplus growth, supported by market experience and a shared commitment to mutual success. The outcomes reflect that commitment. We closed 2025 with a combined ratio of 101.3%, net income of $23.5 million, and a $586.5 million ending surplus for the year. While there have been many changes in recent years, one thing remains constant as we look ahead. We are dedicated to helping our policyholders achieve their mission of serving others and making the world a better place. We uphold our goal of making positive change possible for the organizations and communities we serve. You are the reason why we’re Stronger. Together.

KENNETH CADEMATORI,                 
President and Chief Executive Officer