MedMal Direct Insurance Company’s Financial Stability Rating® of A, Exceptional Reaffirmed

October 04, 2012

JACKSONVILLE, Fla.—(BUSINESS WIRE)—Jacksonville-based MedMal Direct Insurance Company’s Financial Stability Rating® (FSR) of A, Exceptional, has been reaffirmed by Demotech, Inc. This level of FSR is assigned to insurers who possess exceptional financial stability related to maintaining positive surplus as regards to policyholders, liquidity of invested assets, an acceptable level of financial leverage, reasonable loss and loss adjustment expense reserves 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).

Tim Bone, President of MedMal Direct, said, “We are happy to have this independent, third-party opinion of our Company’s financial stability. MedMal Direct is one of the most exciting and fastest growing medical professional liability insurance carriers in the country and provides an unwavering commitment to service, defense and financial stability.”

About MedMal Direct Insurance Company:

MedMal Direct Insurance Company (MedMal Direct) is a Florida stock insurance company that provides medical malpractice insurance directly to physicians, enabling physician practices to realize significant savings on one of their largest expenses — medical professional liability insurance premiums. MedMal Direct has earned a Financial Stability Rating® of A, Exceptional, from Demotech, Inc. and is backed by a panel of A.M. Best A (Excellent) rated reinsurers with over $25 billion in assets. With a strong balance sheet, conservative underwriting philosophy, and outstanding litigation management, MedMal Direct provides physician practices with the comfort and protection they need at a lower price. “It’s Better To Be Direct.” Visit for more information.

About Demotech, Inc.

Demotech, Inc. is a financial analysis firm located in Columbus, Ohio. Since 1985, Demotech has been serving the insurance industry by providing actuarial consulting and accurate and proven Financial Stability Ratings® (FSRs) for Property & Casualty insurance companies and Title underwriters. FSRs are a leading indicator of the financial stability of an insurer. Our rating process provides an objective baseline as well as insight into the future solvency of a company. As an independent financial analysis firm, Demotech has a proven track record of predicting financial stability in the insurance industry and has been leveling the playing field by offering FSRs to insurers of all sizes. Visit for more information.