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Consumer Disclaimer

Demotech, Inc. is a financial analysis firm located in Columbus, Ohio. While we may prepare Financial Stability Ratings® or other consulting services to the insurance organizations listed on this site, we are not involved with policy administration or claims handling of any sort. Questions of this nature should be directed to the insurance company directly.

Concerns or disputes pertaining to a company need to be directed to the insurance company directly or the insurance department or agency designated in your state.

Financial Stability Ratings® and Comparative Financial Observations

Financial Stability Ratings® (FSRs) represent our opinion in the company's ability to meet its policyholders' claims obligations in any event. FSRs summarize our opinion as to the relative ability of an insurer to survive a downturn in general economic conditions.

It is important to note that when assigning FSRs, we do not evaluate consumer issues like customer service, claims handling and coverage levels. Refer to the Better Business Bureau or the insurance department in your state and a qualified agent when deciding which company to fulfill your insurance needs.

Click on the state below for more information pertaining to the insurance department designated in your state.

State Insurance Departments

Click on a state or it's abbrevation to view that state's web site.

Demotech only displays information for companies that have provided sufficient information to render an opinion on. For clients that have been assigned a Financial Stability Rating® (FSR) we display certain financial results. For other companies, when sufficient information is available, we issue a Comparative Financial Observations (CFO). CFOs based on the public data and are in no way inclusive of all insurance companies.

If a particular company's data is not accessible, we will not issue a CFO and the company is omitted. This is in no way a negative reflection on the companies omitted.

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