Annual Reports & Financials

2025 Financial Commentary

Energy Insurance Mutual is proud to share our 2025 Annual Report — a reflection of our continued strength, agility, and unwavering focus on delivering value to our Members.


Key 2025 highlights:

  • 16% growth in policyholder surplus to $1.57B
  • Combined Ratio of 84.5%
  • $35M returned to Members through distributions
  • $216.2M in net income driven by strong underwriting and investment results
  • Continued A rating from AM Best

“Listen. Adapt. Innovate.” echoed as a consistent theme throughout last year and highlights how EIM is evolving alongside our Members and the broader energy landscape. From rising demand and infrastructure investment to emerging risks like cyber and AI, we remain committed to providing the strength, stability, and innovative solutions our Members rely on.

We invite you to explore the full report and learn more about how EIM is helping Members navigate today’s challenges while preparing for tomorrow’s opportunities.

Download Quarterly Financials
Download Quarterly Financials