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Gulfstream has been assigned a Financial Stability Rating® (FSR) of A, Exceptional from Demotech, Inc. FSRs are a leading indicator of an insurer's financial stability.1 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 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.
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 up to a 165-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.
For our reinsurance program effective June 1, 2019,2 the insurance companies that reinsure Gulfstream are all highly rated by A.M. Best or 100% collateralized. See chart below.
Our reinsurance program is diversified and highly rated with support provided by 41 individual reinsurers. 100% of our reinsurers3 are highly rated by A.M. Best4 or 100% collateralized5.
*Surplus and total assets at December 31 each year (or at end of calendar quarter Q1, Q2, or Q3 if indicated).
(1) Demotech, Inc. is a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers. The most current FSR can be verified by visiting www.demotech.com. (2) Gulfstream’s reinsurance program is updated annually. Current program effective June 1, 2019 through May 31, 2020. (3) In addition to these reinsurers, Gulfstream is reinsured for Florida events in part by the Florida Hurricane Catastrophe Fund, a government entity of the State of Florida that is not A.M. Best rated or collateralized. (4) Reinsurers’ ratings by A.M. Best are as of June 2019. “A-“ reinsurers include one reinsurer rated “A-“ by A.M. Best and one international reinsurer rated “A-“ by S&P. For more information, visit A.M. Best Company online. (5) These reinsurers collateralize the full reinsurance limits by holding eligible securities in a trust account.
**Gulfstream is not writing new business in the state of Mississippi at this time.
Address for Gulfstream policy payments
& correspondence:
P.O. Box 100248
Columbia, SC 29202-3248
Customer Service: 866.485.3004, option 4
Insurance Claims: Flood Claims 877.254.6819 All other claims 866.485.3005
Atlas Mailing Address
Flood Insurance Mailing Address
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