Demotech Affirms the Financial Stability Rating® Assigned to Lawyers Mutual Insurance Company of Kentucky

Columbus, Ohio, December 31, 2021: The Financial Stability Rating® (FSR) of A, Exceptional, assigned to Lawyers Mutual Insurance Company of Kentucky has been affirmed by Demotech, Inc. This level of FSR is assigned to insurers who possess exceptional financial stability related to maintaining positive surplus as regards policyholders, liquidity of invested assets, an acceptable level of financial leverage, reasonable loss and loss adjustment expense reserves (L&LAE) and realistic pricing.

FSRs summarize Demotech’s opinion of the financial stability of an insurer regardless of general economic conditions or the phase of the underwriting cycle. FSRs utilize statutory financial data based on insurance accounting principles prescribed or permitted by the National Association of Insurance Commissioners (NAIC). Since 1989, FSRs of A or better have been accepted by the major participants in the secondary mortgage marketplace.

About Lawyers Mutual Insurance Company of Kentucky

Lawyers Mutual Insurance Company of Kentucky (LMICK) is a professional liability insurance company formed by Kentucky lawyers for Kentucky lawyers. Since issuing its first policy in 1987, LMICK has remained true to its mission of making liability insurance available to Kentucky lawyers at competitive rates, providing outstanding claims service, and supporting the Kentucky bar with risk management guidance and CLE programs emphasizing malpractice prevention. An annual policyholder renewal rate that consistently exceeds 90% demonstrates LMICK’s success in fulfilling its mission. To learn more, visit or call (800) 800-6101 or (502) 568-6100.

About Demotech, Inc.

Demotech, Inc. is a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers.  Since 1985, Demotech has served the insurance industry by assigning accurate, reliable, and proven Financial Stability Ratings® (FSRs) for Property & Casualty insurers and Title underwriters.  FSRs are a leading indicator of financial stability, providing an objective baseline of the future solvency of an insurer.  Demotech’s philosophy is to review and evaluate insurers based on their area of focus and execution of their business model rather than solely on financial size.  Demotech was the first to review and rate independent regional and specialty insurers. Demotech’s consistently increasing list of accreditations and acceptances has resulted in rating and reviewing more than 400 insurers operating in the US.  Visit for additional information.

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