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Financial Stability

Our Strength is in Our Numbers.

We Value Reinsurance, Because We Choose To

While other insurance companies might sometimes find themselves over-leveraged and ill-prepared for catastrophic events, we have safeguarded our company against those risks. Americas works with one of the top reinsurance brokers in the market to design the optimal reinsurance program so that our company can respond to natural disasters. We have adopted a strategy that spreads our exposure among 30 highly-rated reinsurers from the United States, Bermuda and London with an A.M. Best rating of “A-“ or higher. Americas buys high levels of reinsurance, far surpassing the accepted minimum standards prescribed by Demotech. Why is this good for you? Because it protects Americas from financial devastation, which therefore protects your claim when you need it most, even in the event of widespread catastrophes.

Financial Stability Rating

Americas Insurance Company has earned an “A”, Exceptional rating from Demotech. This means that regardless of the severity of a general economic downturn or deterioration in the insurance cycle, insurers earning a Financial Stability Rating® of “A” possess Exceptional financial stability related to maintaining surplus as regards policyholders at an acceptable level.

Demotech’s Financial Stability Analysis Model involves a tactile review of financial statements in addition to computation and analysis of critical financial ratios. The goal is to assess current and future financial stability. Financial Stability Ratings® are reviewed quarterly and reassigned as verified. The process includes our initial review, quarterly monitoring and twelve months of support related to inquiries from lenders, agents, insureds and prospective insureds.

View our Rating