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The Significance of Excellent Financial Ratings

The financial stability of a title insurance company is directly related to its claims-paying ability – an important factor in today’s economic environment. For policy holders, lenders and investors, the knowledge that your title insurance company and its resources will be there when you need them is essential. As with other financial institutions, title insurance companies look to independent rating companies to make an impartial determination of financial strength.

North American Title Insurance Company (NATIC) has demonstrated the ability to increase statutory surplus levels, post underwriting profits, manage expenses and limit losses. This ability has been recognized by NATIC’s earning exemplary financial ratings from three major rating agencies: Demotech, A.M. Best and Kroll. Compared to both regional underwriters and the large, national underwriters, NATIC’s showing is exceptional.

Each agency affirms its ranking in a different format. Financial rating company Demotech, Inc., awarded NATIC the Financial Stability Rating© of “A' (A Prime) Unsurpassed.” In addition, Demotech assigned NATIC a Commercial Real Estate Recommendation (CRER) of “Strongly Recommended.” Title underwriters receiving the CRER recommendation “have adequate financial resources of their own and significant in-house capacity and expertise, or they have access to the necessary resources because of their placement of reinsurance coverage.”

Another rigorous, quantitative analysis was undertaken by A.M. Best Company, which assigned a financial strength rating of B++ (Good) and an issuer credit rating of “bbb” to NATIC, with an outlook of “stable” for both ratings. NATIC is one of only two regional underwriters rated by A.M. Best, and has been assigned the highest rating within that category.

The third agency, Kroll Bond Rating Agency, Inc., an independent financial analysis and actuarial services company, assigned NATIC a credit rating of “B+,” indicating a strong financial condition. Kroll has included NATIC in Peer Group 1 – those companies with admitted assets of over $100 million.

These noteworthy ratings all add up to one fact: Regardless of economic downturns or deteriorations of insurance cycles, NATIC possesses unmatched financial strength and stability. For commercial brokers, attorneys, law firms, lenders, builders and developers, the evidence is even clearer. NATIC’s financial resources as well as its responsive and experienced underwriters make NATIC a wise choice for your commercial real estate transaction.

Visit the websites of Kroll Bond Rating Agency, Inc. at, Demotech, Inc. at or A.M. Best Company at to learn more about the financial analysis and rating of title insurance companies.