Demotech Affirms the Financial Stability Rating® Assigned to Kentucky Employers Mutual Insurance


Columbus, Ohio, January 11, 2018: The Financial Stability Rating® (FSR) of A, Exceptional, assigned to Kentucky Employers’ Mutual Insurance Authority 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 Kentucky Employers’ Mutual Insurance Authority

Kentucky Employers’ Mutual Insurance (KEMI) is a competitive workers’ compensation carrier in Kentucky.  KEMI began operations on September 1, 1995 as the centerpiece of workers’ compensation reform in the Commonwealth.  Since 1995, KEMI has made great strides for Kentucky by stabilizing the workers’ compensation market and providing responsible, competitive pricing and responsive claims service for large and small businesses.  Visit www.kemi.com for more information.

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.  Visit www.demotech.com for more information.

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