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Links to Rating Agencies

Although the Department of Insurance does not rate the financial condition of insurance companies, there are many private rating services that conduct financial analyses and grade insurance companies. Each rating service uses its own criteria. Private ratings are therefore only opinions and carry no guarantee of accuracy. However, such ratings can provide you with some information about how private analysts view the financial condition of particular insurance companies.

You can obtain those ratings by phone, mail or via the Internet. Two of the services charge for the information. Many local libraries also subscribe to Best’s Insurance Reports. When checking with a rating agency, be sure to ask for an explanation of its criteria so that you can fully understand the rating assigned to a particular company. You might also want to compare prior year ratings for that company. Listed below are five rating services which can provide rating information on insurance companies.

  • A.M. Best
    A.M. Best provides free ratings for up to three companies per call at (908) 439-2200 ext. 5742. Unlimited ratings can be accessed via their web address at A.M. Best also provides information for the following fees: printed copy of the rating for $4.95; and full report of the company for $35.00.
  • Demotech, Inc.
    Demotech, Inc. is an actuarial consulting and financial analysis firm that provides financial stability ratings of property and casualty insurers. You may search these ratings by visiting their website at
  • Fitch
    Fitch provides free financial strength ratings for up to five companies per call at (800) 893-4824. Ratings are also available via their website at
  • Moody’s
    Moody’s provides free ratings for up to five companies per call at (212) 553-0377. Unlimited ratings can be accessed via their web address at
  • Standard & Poor’s
    Standard & Poor’s provides free ratings for up to five companies per call at (212) 438-2400. Requests can also be sent by email to:
  • Ratings provides all of their ratings for free on their website at They can be reached at (800) 289-9222.
  • Weiss Ratings, LLC
    Weiss Ratings provides their ratings on a subscription website at  Ratings maybe available at your local library.  They can be reached at  877-934-7778.

NOTE: The above links to other web sites are not maintained by the Department of Insurance. A link to another web site does not represent an endorsement of that site by our Department.

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