Demotech Affirms the Financial Stability Rating® Assigned to Gulfstream Property and Casualty Insurance Company

Columbus, Ohio, July 9, 2020: The Financial Stability Rating® (FSR) of A, Exceptional, assigned to Gulfstream Property and Casualty Insurance Company 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 Gulfstream Property and Casualty Insurance Company

Gulfstream Property and Casualty Insurance Company writes homeowners and other residential insurance in six Gulf and Atlantic Coastal states.  In Alabama, Florida, Louisiana, Mississippi, South Carolina and Texas, Gulfstream insures 85,000 policyholders, providing homeowners, condominium unit owners, renters, and dwelling fire insurance coverage.  Gulfstream is currently not writing any new business in Mississippi.  Gulfstream launched operations in 2004 and has its home office in Sarasota, Florida.  With a strong capital position, a highly-rated reinsurance program, a conservative approach to risk management, and an experienced leadership team, Gulfstream is prepared financially and operationally to respond to its customers’ claims every day and during a catastrophe.  For more information about Gulfstream, please visit

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.  Demotech was the first to review and rate independent regional and specialty insurers. Demotech’s consistently increasing list of accreditation and acceptances has resulted in rating and reviewing more than 400 insurers operating in the US.  Visit for additional information.

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