Demotech Company Classification Criteria
Super Regional
- Active companies, not in regulatory supervision at Dec. 31, 2010
- Individual companies
- Companies reporting data to the National Association of Insurance Commissioners using the property/casualty annual and quarterly statement format
- No surplus lines companies
- No risk retention groups
- No reinsurance companies
- More than $1 million of direct premium written (DPW) in each of two to 34 states at Dec. 31, 2010
- Less than 90 percent of their DPW in any one state at Dec. 31, 2010
- Less than 90 percent of their DPW in any one line of business at Dec. 31, 2010
- $100 million of surplus or more at Dec. 31, 2010
- Net premium written (NPW) of at least $50 million at Dec. 31, 2010
- DPW of at least $25 million at Dec. 31, 2010
Surplus Lines, Risk Retention Group, Reinsurer
Direct Premium Written Less Than $1 million
- Dec. 31, 2010 DPW less than $1 million
- Not a member of a group
State Specialist
- Dec. 31, 2010 DPW greater than or equal to $1 million
- Greater than or equal to 90 percent of Dec. 31, 2010 DPW in one state
Coverage Specialist
- Dec. 31, 2010 DPW greater than or equal to $1 million
- Greater than or equal to 90 percent of Dec. 31, 2010 DPW in one line of business
National
- More than $1 million of DPW in each of at least 45 states at Dec. 31, 2010
- $250 million of surplus or more at Dec. 31, 2010
- NPW of at least $250 million at Dec. 31, 2010
- DPW of at least $250 million at Dec. 31, 2010
- No lines of business greater than or equal to 90 percent of Dec. 31, 2010
Near National
- More than $1 million of DPW in each of at least 35 states at Dec. 31, 2010
- $100 million of surplus or more at Dec. 31, 2010
- NPW of at least $50 million at Dec. 31, 2010
- DPW of at least $100 million at Dec. 31, 2010
- No lines of business greater than or equal to 90 percent of Dec. 31, 2010
- Do not qualify as a National
Strategic Subsidiary
- Not in any other category
- Part of a group
- DPW/PHS >= 9 or <=.25 OR NPW/PHS >= 9 or <=.25
Regional
- Not in any other category
