Demotech, Inc. — Our Analysts Make the Difference

Columbus, Ohio    April 17, 2025  As artificial intelligence (AI) and a variety of technology platforms take on a larger role in the economy and insurance sector, Demotech, Inc., continues to strike the balance between incorporating technology into its review process and maintaining a highly-interactive, hands-on approach to secure our understanding of the insurers we review and rate.

Joseph L. Petrelli, Demotech’s President and Co-founder, notes:  “As the first company to review and rate independent, regional and specialty insurers, back in 1989, Demotech has a long history of reviewing and analyzing insurer financial statements. From our original desk reviews of hard copy to utilizing electronic databases, our capability to review data has evolved over the decades that we have reviewed carriers. Demotech uses the appropriate quantitative tools to support its analysis and will continue to assess the application of technology and artificial intelligence, however, our difference is our analysts, and they will always take a hands-on approach to reviewing insurers. When an insurer engages our rating services, they interact directly with our long-tenured, credentialed analysts who are responsible for the review and rating assignment. It is a high-touch approach through which our analysts seek to understand each carrier, their unique business model, and the attributes that make them financially stable insurers.”

Sharon Romano Petrelli, Demotech’s Vice President and Co-founder, adds:  “When reviewing and analyzing business models, the complementary nature of reinsurance’s impact on that business model, and the execution of the business model; carriers deserve, and our ratings team provides, a knowledgeable review and direct interaction. Our analysts are experienced, credentialed, and committed to understanding the companies they review and rate. At Demotech, our analysts make the difference.”

About Demotech, Inc.

Established in 1985, Demotech, Inc. is a financial analysis firm located in Columbus, Ohio. Demotech has served the insurance industry by providing objective and independent Financial Stability Ratings® (FSRs) for Property & Casualty insurance companies, Life & Health insurance companies, and Title underwriters, among others. As the first company to have its rating process formally reviewed and accepted by Fannie Mae, Freddie Mac, and HUD, Demotech has been leveling the playing field by offering FSRs to insurers of all sizes. As of July 11, 2022, Demotech is registered with the U.S. Securities and Exchange Commission (SEC) as a nationally recognized statistical rating organization (NRSRO) in the class of ratings for insurance companies. Visit www.demotech.com to learn more.