Rating and Reinsurance


You're in exceptional company with Gulfstream

Insuring families throughout the gulf coast, we’ve seen our fair share of storms. And it’s been our ability to withstand these catastrophic events that has earned the trust of our policyholders, agents, and communities we serve. It's also earned us a Financial Stability Rating of A, Exceptional from Demotech.(1)


Reassurance in Reinsurance

We know the wind will blow again. And when it does, Gulfstream is ready with reinsurance protection that will allow us to meet our claims obligations, without compromising our financial strength. Our current reinsurance program includes:

  • Coverage for the worst case scenario. We purchase reinsurance protection in excess of the 100-year storm, meaning we're ready to respond to large-scale catastrophe and super storms.
  • Coverage for multiple storms. The majority of Gulfstream reinsurance coverage is aggregate coverage, meaning it covers losses from multiple storms, no matter how many strike in one season, until coverage limits are reached.
  • Safe retention rates. The loss that Gulfstream would retain is equal to approximately 10% of surplus for the first two storms and less than 20% of surplus for three storms. This means we'll remain financially strong for our policyholders through multiple, large-scale storms.

We’re backed by highly rated reinsurers throughout the world. 

Program is effective as of June 2013 (2)


Reinsurer A.M. Best
Everest Reinsurance Company A+
Odyssey Reinsurance Company A
Florida Hurricane Catastrophe Fund NA(5)
Ace Tempest Reinsurance Ltd. A+
Aeolus Re Ltd. NA(4)
Amlin Bermuda, A Branch of Amlin AG, Switzerland A
AQR Capital Management LPP (Tokio Millenium Re) A++
Arch Reinsurance Ltd. A+
AXIS Specialty Limited A
Blue Water Re NA(4)
Endurance Specialty Insurance Ltd. A
Greenlight Re A
Horseshoe Re Limited NA(4)
Montpelier Reinsurance Ltd. A+
Validus Reinsurance Ltd. A
Lloyd's Syndicate 0033 Hiscox A
Lloyd's Syndicate 0435 Faraday A
Lloyd's Syndicate 0623 / 2623 Beazley A
Lloyd's Syndicate 1084 Chaucer A
Lloyd's Syndicate 1955 Barbican A
Lloyd's Syndicate 2001 Amlin A
Lloyd's Syndicate 2007 Novae A
Lloyd's Syndicate 2791 MAP A
Lloyd's Syndicate 4000 Pembroke A
Lloyd's Syndicate 4444 Canopius A
Houston Casualty Co. UK Branch A+
Securis Investments NA(4)
Liberty Paris A
SCOR Global P&C SE, PUTEAUX, Zurich Branch A


(1) Demotech evaluates and assigns financial ratings annually. Gulfstream's financial stability rating of A Exceptional was reaffirmed by Demotech on July 1, 2014. (2) Gulfstream's reinsurance program is updated annually.  Current program effective June 1, 2013 through May 31, 2014. (3) Reinsurers' ratings by A.M. Best are as of June 2013. For more information, visit A.M. Best Company online. (4)These reinsurers collateralize the full reinsurance limits by holding cash in a trust account. (5) FHCF is a government agency of the State of Florida.