Columbus, Ohio, November 5, 2015: The Financial Stability Rating® (FSR) of A, Exceptional, assigned to Prepared Insurance Company has been affirmed by Demotech, Inc. This level of FSR is assigned to insurers who possess exceptional financial stability related to maintaining positive surplus as regards policyholders, liquidity of invested assets, an acceptable level of financial leverage, reasonable loss and loss adjustment expense reserves (L&LAE) and realistic pricing.

FSRs summarize Demotech’s opinion of the financial stability of an insurer regardless of general economic conditions or the phase of the underwriting cycle. FSRs utilize statutory financial data based on insurance accounting principles prescribed or permitted by the National Association of Insurance Commissioners (NAIC). Since 1989, FSRs of A or better have been accepted by the major participants in the secondary mortgage marketplace.

About Prepared Insurance Company

Prepared Insurance Company is domiciled in the State of Florida and commenced business on September 18, 2009. Prepared currently offers HO-3 (Homeowners), HO-6 (Condo), and DP-3 (Dwelling Fire) product lines throughout the state of Florida. Writing business via a network of voluntary independent agents, Prepared has created a geographically diverse spread of risk across the state. Prepared uses their unique knowledge of building codes, construction and catastrophe recovery and mitigation to design customized underwriting rules and utilizes detailed catastrophe risk management techniques to develop an optimal portfolio of policies. Headquartered in Tampa, Florida, Prepared’s management team is made up of subject matter experts who have served more than 90 years collectively in the insurance industry. Visit: for more information.

About Demotech, Inc.

Demotech, Inc. is a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers. Since 1985, Demotech has served the insurance industry by assigning accurate, reliable and proven Financial Stability Ratings® (FSRs) for Property & Casualty insurers and Title underwriters. FSRs are a leading indicator of financial stability, providing an objective baseline of the future solvency of an insurer. Demotech’s philosophy is to review and evaluate insurers based on their area of focus and execution of their business model rather than solely on financial size. Visit for more information.