Two ratings. Two outlooks. One membership.

Demotech is a property and casualty rating service whose Financial Stability Rating (FSR) is recognized by Fannie Mae, Freddie Mac, HUD, reinsurers, and the Florida Office of Insurance Regulation. An A, Exceptional rating identifies an insurer with the financial strength to maintain operations and pay claims under expected and adverse loss conditions.

Kroll Bond Rating Agency (KBRA) assigns an A− Insurer Financial Strength Rating to American Coastal Insurance Company. In July 2025, KBRA affirmed the rating and revised the outlook to Positive from Stable.

WSIA is the trade association representing the wholesale, specialty, and surplus lines industry in the United States. Membership signals participation in the specialty market alongside the wholesale brokers, MGAs, and carriers who write hard-to-place risks.