Universal North America  
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Ratings and Reinsurance

Universal North America Insurance Company is rated A- (Excellent) by A.M. Best, a prestigious rating agency.  Universal Insurance Company, a subsidiary of our parent company Universal Group, Inc., has also earned a Best rating of "A" (Excellent).  Demotech, Inc., an  actuarial and financial analysis firm, has assigned Universal Insurance Company of North America the Financial Stability Rating® (FSR) of A, Exceptional.

Company Rating Rating Agency
Universal North America Insurance Company A- (Excellent) A.M. Best
Universal Insurance Company of North America
A, Exceptional

Universal North America maintains an extensive reinsurance portfolio to provide the financial stability and peace of mind you would expect from a global insurer. Our current program incorporates both Quota Share and Catastrophe Excess of Loss reinsurance. We also purchase Excess per Risk and Casualty coverage for individual large risk protection (excess per risk) and liability risk coverage (casualty).

Quota Share
Quota Share reinsurance is purchased so that losses are shared on a "pro rata" basis, such that catastrophe and non-catastrophe losses are shared by a stated percentage. This approach reduces the losses retained by Universal North America.

Catastrophe Excess of Loss
Catastrophe excess of loss reinsurance protects the Company in the event hurricane or other catastrophe losses exceed a specified retention level. Universal North America's maximum retained loss per exposure varies per state and line of business.

Reinsurance is placed in Domestic, Bermuda, International and London markets.

Reinsurance Program: Effective June 1, 2013. A.M. Best ratings are accurate as of June 1, 2013.

Domestic A.M. Best Rating
Allied World Reinsurance Company A
Everest Reinsurance Company A+
Harco National Insurance Company A-
Munich Reinsurance America, Inc. A+
Odyssey America Reinsurance Corporation A
QBE Reinsurance Corporation A
SCOR Reinsurance Company A
Swiss Reinsurance America Corporation A+
Transatlantic Reinsurance Company A
Bermuda A.M. Best Rating
Ace Tempest Reinsurance Ltd. A+
Allied World Assurance Company Ltd. A
Argo Re Ltd. A
AXIS Specialty Limited A
Catlin Insurance Company Ltd. A
Davinci Reinsurance Ltd. A
Endurance Specialty Insurance Ltd. A
MS Frontier Reinsurance Ltd. A
Partner Reinsurance Company Ltd. A+
Renaissance Reinsurance Ltd. A+
Tokio Millennium Reinsurance Ltd. A++
Validus Reinsurance Ltd. A
XL Re Ltd. A
International A.M. Best Rating
Hannover Ruckverischerung AG A
R+V Versicherung AG NR (Standard & Poor rating of AA-)
Scor Global P&C SE A
London A.M. Best Rating
Houston Casualty Company - London Branch A+
Syndicate 0435 (FDY) A
Syndicate 0623 (AFB) A
Syndicate 0727 (SAM) A
Syndicate 1084 (CSL) A
Syndicate 1414 (ASC) A
Syndicate 1458 (RNR) A
Syndicate 1910 (Ariel) A
Syndicate 2001 (AML) A+
Syndicate 2003 (SJC) A
Syndicate 2007 (NVA) A
Syndicate 2623 (AFB) A
Syndicate 2791 (MAP) A
Syndicate 4472 (LIB) A