Demotech’s philosophy is to review and evaluate insurers based on their focus and execution of their business model rather than on financial size. This philosophy was the catalyst for the development and implementation of the Demotech Company Classification System. See related article, “Regional, Specialty Insurer Analysis: Broader Focus Enhances Profitability.”
The Demotech Company Classification System categorizes each P/C insurer into one of 11 categories based on an analysis of financial data reported by the companies.