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The Demotech Difference is a quarterly magazine that facilitates meaningful communication and discussion. Each issue features unique perspectives from subject matter experts on emerging concepts, tools, and techniques, to encourage learning and the evolution of our industry.

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Financial Stability Ratings® (FSRs) are a leading indicator of the financial stability of Property and Casualty insurers, Title underwriters, and other risk-bearing entities. Our rating process provides an objective baseline for assessing solvency based upon changes in financial stability, as presented in an insurer’s balance sheet over time. FSRs are based upon a series of quantitative ratios and certain qualitative factors.