| QBE Insurance Corporation |
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| A.M. Best Rating: A (Excellent) |
| QBE was established in North Queensland, Australia in 1886 and has grown into an international insurance and reinsurance group operating from over 200 offices in 30 countries worldwide. As of 30 June 1999, the QBE Group had total assets of more than $6.9 billion, shareholders' equity of $1.1 billion and a market capitalization exceeding $2.2 billion. Principal place of business is New York, NY. Domicile: Delaware |
| Zurich American Insurance Company |
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| A.M. Best Rating: A+ (Superior) |
| Zurich Financial Services Group, a global leader in the financial services industry. Headquartered in Zurich, Switzerland, the Group's worldwide presence builds on strong positions in its three home markets - the United States, the United Kingdom, and Switzerland. The Zurich Financial Services Group has offices in more than 60 countries reaching over 30 million customers and employing some 68,000 people. |
| AXIS Reinsurance Company | A.M. Best Rating: A (Excellent) |
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The Residential Earthquake Insurance offered through the Arrowhead program is underwritten on an admitted basis by AXIS Reinsurance Company, a member of the AXIS Group of Companies, rated "A" (Excellent) XV by A.M. Best and "A" (Strong) by Standard & Poor's for financial strength and claims-paying ability. AXIS Capital (NYSE: AXS) is the Bermuda-based holding company for the AXIS Group of Companies. At December 31, 2007, AXIS Capital had gross premiums written of $3.6 billion, total capitalization of $5.7 billion and total assets of $14.7 billion. |
| Palomar Specialty Insurance Company | A.M. Best Rating: A- (Excellent) |
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Palomar Specialty is committed to providing a financially stable insurance option for catastrophe risks across the United States. Our experience and underwriting expertise allow us to focus on the specialized needs of catastrophe insurance for commercial and personal property. Based in San Diego, Palomar Specialty’s management team has a long-standing history of managing earthquake risk. |
| Universal North America Insurance Company | A.M. Best Rating: A- (Excellent) |
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Universal North America Insurance Company is rated "A-" (Excellent) by A.M. Best Company and maintains an extensive reinsurance portfolio to provide financial stability and incorporates both Quota Share and Catastrophe Excess of Loss reinsurance. Excess per Risk and Casualty coverage is also purchased for individual large risk protection (excess per risk) and liability risk coverage (casualty). Quota Share reinsurance is purchased so that losses are shared on a "pro rata" basis, such that catastrophe and non-catastrophe losses are shared by a stated percentage. This approach reduces the losses retained by Universal. Catastrophe excess of loss reinsurance protects the Company in the event hurricane or other catastrophe losses exceed a specified retention level. Universal North America's maximum retained loss per exposure varies per state and line of business. |
Universal North America Insurance Company is rated "A-" (Excellent) by A.M. Best Company.
ReinsuranceUniversal North America Insurance Company maintains an extensive reinsurance portfolio to provide financial stability and incorporates both Quota Share and Catastrophe Excess of Loss reinsurance. Excess per Risk and Casualty coverage is also purchased for individual large risk protection (excess per risk) and liability risk coverage (casualty).
Quota ShareQuota Share reinsurance is purchased so that losses are shared on a "pro rata" basis, such that catastrophe and non-catastrophe losses are shared by a stated percentage. This approach reduces the losses retained by Universal North America Insurance Company.
Catastrophe Excess of LossCatastrophe excess of loss reinsurance protects the Company in the event hurricane or other catastrophe losses exceed a specified retention level. Universal North America Insurance Company’s maximum retained loss per exposure varies per state and line of business.
Reinsurance is placed in the Bermuda, London, International and Domestic markets.
Reinsurance Program: For additional details go to:http://www.uihna.com/en-US/About/Ratings-and-Reinsurance/
Universal Insurance Company of North America maintains a Financial Stability Rating of A' (A Prime) Unsurpassed by Demotech, a leading rater of insurance company financial stability.
ReinsuranceUniversal Insurance Company of North America maintains an extensive reinsurance portfolio to provide financial stability and incorporates both Quota Share and Catastrophe Excess of Loss reinsurance. Excess per Risk and Casualty coverage is also purchased for individual large risk protection (excess per risk) and liability risk coverage (casualty).
Quota ShareQuota Share reinsurance is purchased so that losses are shared on a "pro rata" basis, such that catastrophe and non-catastrophe losses are shared by a stated percentage. This approach reduces the losses retained by Universal Insurance Company of North America.
Catastrophe Excess of LossCatastrophe Excess of Loss Catastrophe excess of loss reinsurance protects the Company in the event hurricane or other catastrophe losses exceed a specified retention level. Universal Insurance Company of North America's maximum retained loss per exposure varies per state and line of business.
Reinsurance is placed in the Bermuda, London, International and Domestic markets.
Reinsurance Program: For additional details go to:http://www.uihna.com/en-US/About/Ratings-and-Reinsurance/
| Falls Lake Insurance Companies |
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Falls Lake maintains a financial strength rating of "A" (Excellent) by A.M. Best with a financial size of X ($500 million). Falls Lake is supported and reinsured by Swiss Re with a financial rating of "A+" (Superior) and financial size of XV. |