In the insurance game, strength is in the numbers. On the consumer side, those buying insurance are advised to purchase from the larger companies that are highly rated thanks to strong balance sheets. The last thing you want to do is have insurance that doesn't pay when needed. The same idea holds true on the investment side. Buy the larger insurance stocks since they will hold up the best no matter what the market is doing. As such, one would expect the smaller players such as Infinity Property and Casualty ( IPCC), one of TheStreet Ratings' top-rated insurance stocks, to be hit harder during a sudden uptick in natural disasters. Indeed, that was the case for this $642 million market cap company. During the month of May, Infinity lost more than 10% of its value. The loss may be the result of increased storm activity, but is also related to earnings performance in the first quarter. In early May, Infinity released results that missed analyst estimates by a wide margin. The miss was attributable to winter storm activity and does not bode well for the company given the current state of weather. Analysts expect the company to make $3.64 this year and $3.87 next year. With the risk of a further earnings report misses high due to record tornado activity, Infinity is a stock to avoid.