Are mutual insurance companies inherently stronger than stock or public insurance companies and why?

The mutual business model in no way implies that it will be a stronger company. The only difference between mutual and stock companies is who the profits are paid to. If a company can not produce underwriting profits, it doesn't matter if a stockholder or a policyholder owns the company it will not last. Underwriter profits are fundimental to the overall operation ratio of a company and the operating ratio determines how well the company is doing. Chad Joiner http://insurance-racsun.blogspot.com