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

• By definition

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