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Rating and Reinsurance

Rating
Universal North America Insurance Company is rated A- (Excellent) by A.M. Best, a prestigious regulating agency.  Universal Insurance Company, a subsidiary of our parent company Universal Group, Inc., has also earned a Best rating of "A" (Excellent).  UICNA maintains a Demotech, Inc. rating of "A" (excellent).

Reinsurance
Universal Insurance Company 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 Catastrophic Excess of Loss reinsurance.

Quota Share
Quota Share reinsurance is purchased so that losses are shared by a stated percentage/amount for each risk within a defined category of business. The participation in each risk is fixed and certain.

Catastrophe Excess of Loss
Catastrophe excess of loss reinsurance protects the Company in the event losses exceed a specified retention level. Universal Insurance Company's current maximum retained loss per exposure unit is $ 150,000.

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

Reinsurance Program: Effective: June 1, 2007

Domestic A.M Best Rating
Everest Reinsurance Company          A+
GMAC Re Corporation          A-
QBE Reinsurance Corporation          A
Transatlantic Reinsurance Company          A+
 
Bermuda A.M Best Rating
Ariel Reinsurance Company Ltd.          A-
Arch Reinsurance Ltd.          A
Axis Specialty Insurance Ltd.          A
Endurance Specialty Insurance Ltd.          A-
Harbor Point Re Limited          A
Hiscox Insurance Company (Bermuda) Ltd.          A-
Max Re Ltd.          A-
MS Frontier Reinsurance Limited          -
Tokio Millennium Re Ltd.          A+
Validus Reinsurance, Ltd.          A-
XL Re Ltd. (Bermuda)          A+
 
International A.M Best Rating
AXA Re S.A. (Paris Re)          A-
R+V Versicherung AG          NR-5
 
London A.M Best Rating
Lloyds of London          A