Rating and Reinsurance


You are 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 us the trust of our policyholders, our agents, and the communities we serve.


Gulfstream has also earned a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech, Inc. FSRs are a leading indicator of an insurer’s financial stability.(1)


Reassurance in Reinsurance

We know the wind will blow again. And when it does, Gulfstream is prepared with a comprehensive reinsurance program that leaves nothing to chance, allowing us to meet our claims obligations without compromising our financial strength. Our current reinsurance program includes the following features:

  • Coverage for the worst-case scenario. We purchase reinsurance protection in excess of the 175-year storm, meaning we're ready to respond to a large-scale catastrophic event.
  • Coverage for multiple storms. A significant share of our reinsurance coverage includes a cascading/aggregate feature, meaning losses from multiple storms will be covered.
  • Strong capital position and low retention. Our reinsurance program includes a diminishing retention. This means that, as the number of events increases, our share of the loss decreases. Because of this feature, along with our strong capital position, Gulfstream is well positioned to weather the storm.

We are backed by a diverse group of highly rated reinsurers located throughout the world.

For our reinsurance program effective June 1, 2014,(2) the insurance companies that reinsure Gulfstream are all A rated or higher by A.M. Best or 100% collateralized.


Reinsurer A.M. Best
Rating or Collateralized
American Standard Insurance Company of Wisconsin A
Everest Reinsurance Company A+
Odyssey Reinsurance Company A
Transatlantic Reinsurance Company A
Florida Hurricane Catastrophe Fund Government(5)
Ace Tempest Reinsurance Ltd. A++
Aeolus Re Ltd. 100% Collateralized(4)
Amlin Bermuda, A Branch of Amlin AG, Switzerland A
AQR Capital Management LPP 100% Collateralized(4)
Tokio Millenium (through AQR RE) A++
Arch Reinsurance Ltd. A+
AXIS Specialty Limited A+
Blue Water Re 100% Collateralized(4)
Endurance Specialty Insurance Ltd. A
Greenlight Re A
Horseshoe Re Limited 100% Collateralized(4)
M.S. Frontier Reinsurance Ltd. A
Montpelier Reinsurance Ltd. A+
Nephila Capital 100% Collateralized(4)
XL Reinsurance (through New Ocean) A
Validus Reinsurance Ltd. A
Lloyd's Syndicate 0382 Hardy A
Lloyd's Syndicate 0435 Faraday A
Lloyd's Syndicate 0623 Beazley A
Lloyd's Syndicate 1084 Chaucer A
Lloyd's Syndicate 1729 Dale A
Lloyd's Syndicate 1955 Barbican A
Lloyd's Syndicate 2001 Amlin A+
Lloyd's Syndicate 2007 Novae A
Lloyd's Syndicate 2623 Beazley A
Lloyd's Syndicate 2791 MAP A
Lloyd's Syndicate 4444 Canopius A
Houston Casualty Co. UK Branch A+
Securis Investments 100% Collateralized(4)

SCOR Global P&C SE, PUTEAUX, Zurich Branch



(1) Demotech, Inc. is a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers. The most current FSR must be verified by visiting www.demotech.com.(2) Gulfstream's reinsurance program is updated annually.  Current program effective June 1, 2014 through May 31, 2015. (3) Reinsurers' ratings by A.M. Best are as of June 2014. 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 and is not A.M. Best rated or collateralized.