Financial Stability Ratings® (FSRs) and Comparative Financial Observation® (CFO)
Demotech is a financial analysis firm located in Columbus, Ohio that provides Financial Stability Ratings® to insurance companies. Financial Stability Ratings® (FSRs) are a leading indicator of the financial stability of insurers. FSRs represent our opinion of a company’s ability to survive a downturn in economic conditions as well as a downturn in the underwriting cycle and meet its policyholder obligations in any event.
You can search for a company’s Financial Stability Rating® (FSR) below. For companies who have been assigned an FSR, we display the current FSR as well as certain financial information.
Demotech does not review and rate all insurance companies. When sufficient information is available for companies we do not rate, we issue a Comparative Financial Observation® (CFO). CFOs are based on publicly available financial information and summarize our opinion of certain fundamental financial metrics. CFOs are not a replacement, substitute, or approximation of a Financial Stability Rating®.
Demotech is not an insurance company, agent, or representative of any insurance company. While we work with insurance companies and list their information on our website, we do not handle their claims, policies, or contracts in any manner. Questions or concerns of this nature should be directed to the insurance company or your insurance agent directly, or to the insurance department in your state as appropriate.
Financial Stability Ratings® represent Demotech’s opinion as to the financial stability of an insurer. FSRs do not constitute a warranty of a company’s ability to meet its contractual or legal obligations; are not recommendations to buy, sell or hold any securities, or to make any investment decisions related to the rated entity; and are not an endorsement of any particular insurer or its products. Insureds, agents, and third parties need to independently evaluate any relationship with a particular insurer as well as the applicability of an insurer’s products to the needs of the insured or agent.
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National Association of Insurance Commissioners (NAIC)
The NAIC is an organization of insurance regulators whose primary purpose is to protect the interests of insurance consumers. The NAIC promotes competitive markets, promulgates industry accounting rules and procedures, and performs market conduct examinations of insurers. The NAIC also provides helpful tools and resources for consumers. You can access those tools and resources and learn more about the NAIC here.
State Insurance Departments
Click on the state below for more information pertaining to the insurance department website, which will open in a new browser tab.