December 23, 2025
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We leverage readily available information that helps us assign an informed Financial Stability Rating®. FSRs help level the playing field for financially stable insurers.
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Financial Stability Rating® Notifications
October 28, 2025
Demotech, Inc. Assigns Financial Stability Rating® of A, Exceptional, to Mountain Life Insurance CompanyOctober 15, 2025
Demotech Upgrades the Financial Stability Rating® Assigned to Farmers Pioneer Mutual Insurance CompanyOctober 10, 2025
Demotech Affirms the Financial Stability Rating® Assigned to Pulaski and Giles Mutual Insurance CompanySeptember 22, 2025
Demotech Affirms the Financial Stability Rating® Assigned to 1859 MutualSeptember 22, 2025
Demotech Affirms the Financial Stability Rating® Assigned to Wolverine Insurance CompanyNews and Updates
November 12, 2025
Groundbreaking research project by Demotech uncovered systemic, tech-driven lawsuit practices that are destabilizing U.S. insurance markets.October 16, 2025
Independent Regional and Specialty Insurers Have Addressed Availability and Affordability for Centuries Including Residential Property InsuranceAugust 26, 2025
THE FLORIDA INSURANCE ROUNDUP PODCASTRecent Demotech Difference Articles
Fall 2025
The Decline of the Pension and the Rise of Pension Risk TransferFall 2025
The Rating Agency That Saw What Wall Street MissedFall 2025
Florida’s Property Insurance Market Is SecureFall 2025
Independent Insurance Agency Valuations: What Every Owner Needs To Know
The Demotech Difference
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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What We Do
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.