The current assets of an insurance company include: cash on hand, demand deposits, time deposits, deposit deposits, trading financial assets, financial assets bought for resale, investments classified as loans and receivables, premiums receivable, interest receivable, outstanding reinsurance reserves receivable, dividends receivable, reinsurance accounts receivable, reinsurance reserves receivable that are not yet due, other receivables and prepayments.
In addition, current ratio = current assets/current liabilities, not average total assets.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.