
EXPLORE KBRA Insurance RATINGS
KBRA’s experienced analytical team provides the market with unparalleled customer service and analysis.
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KBRA KEY DIFFERENTIATORS
○ No proprietary capital model; fosters thorough financial analysis
A company’s unique characteristics are considered when rating a company
Transparent and interactive process
○ Ratings are forward looking
○ KBRA ratings are respected and relied upon by investors/capital markets
○ Users of ratings benefit from having more than one perspective on risk
○ Customer-focused
Team meets with company at an agreed upon location (or virtually)
Committed to stellar customer service
○ Comprehensive rating reports, client tailored – not template driven
All published insurance research and reports are complimentary on www.kbra.com
○ Cross-sector expertise
○ We have:
No size bias (although size is a consideration)
No rating caps
No “seasoning” requirements for startups
A robust insight to and broad understanding of insurance company investments

KBRA Now Included in Freddie Mac Single Family Seller/Servicer Guide
KBRA is pleased to announce that Freddie Mac added KBRA to the list of eligible rating providers effective January 1, 2023. Freddie Mac will now accept an insurer with a minimum KBRA Insurance Financial Strength Rating of BBB.
The Freddie Mac bulletin announcing this inclusion may be viewed here.
INSURANCE TIMELINE
2017
The National Council of Insurance Legislators (NCOIL) proposed a model act to support state regulation of insurance by promoting competition among rating agencies. KBRA was listed as a “Competent Rating Agency” for purposes of the model act.
2017
The NAIC adopted a recommendation that state regulators may consider KBRA’s insurance financial strength ratings for certified reinsurer purposes.
2018
Included in the Fannie Mae Sellers Guide For Property Writers (BBB Or Better).
2020
KBRA added to the Comdex Calculation and now appears in vital signs for the life market.
2021
KBRA Europe assigns rating to Lloyd’s of London, the world’s leading insurance and reinsurance marketplace.
2023
KBRA Now Included in Freddie Mac Single Family Seller/Servicer Guide Insurance Financial Strength: BBB or Better

INSURANCE RATINGS
KBRA now included in Freddie Mac Single Family Seller/Servicer Guide for Insurance Financial Strength ratings BBB or Better. KBRA’s insurance team has issued over 100 IFSRs including:
60+ Property/Casualty insurers
40+ life/annuity/health insurers
30+ DEBT RATINGS, totaling OVER $5.5 BN
1 composite rating: Lloyd’s Of London

Insurance Research
KBRA’s Insurance team publishes timely and informative research that market participants have come to rely on. Here are recent publications:
AI in Insurance: The Future Is Now
Artificial intelligence (AI) broadly refers to the integration of computer science and data into technology that can perform a variety of tasks traditionally performed by humans, including content generation, summarization, analysis, and decision making, among others. Read more
Insurance | 4 February 2025
COP29: Key Takeaways
Global leaders, activists, and policymakers gathered for the 29th annual United Nations (UN) Climate Change Conference of the Parties (COP29) on November 11-22 in Baku, Azerbaijan. Read more
ESG | 4 December 2024
California Insurance Market Faces Pressure After Los Angeles Wildfires
Over the last several days, the Los Angeles area has experienced unprecedented wildfire activity, with multiple outbreaks across the region. Read more
Insurance | 10 January 2025
Florida Insurers Weather the Storms
As the 2024 hurricane season enters its final month, KBRA notes the uptick in storm activity as several weather systems made landfall in the southeastern United States. Florida and several other states in the region were impacted by significant wind and flood damage from Hurricanes Helene and Milton. Read more
Insurance | 31 October 2024
A Renaissance for Reciprocals
Mutual companies and reciprocal exchanges have long histories in the U.S. insurance market with both types of organization counting numerous large and familiar names in their respective cohorts. However, KBRA notes a resurgence in reciprocal formations over the last 24 months. Read more
Insurance | 18 September 2024
Florida Insurance Balance Sheets Braced for Active Hurricane Season
Following widespread forecasts for an active Atlantic storm season in 2024, many Florida property insurers prepared by purchasing increased reinsurance limits and coverage to protect their balance sheets. Read more
Insurance | 14 August 2024

Rating Scale & Methodologies
Explore our criteria and methodologies in the Insurance sector:
Insurer & Insurance Holding Company Global Rating Methodology
Contact Us
Analytical
Peter Giacone
Senior Managing Director
+1 (646) 731-2407
[email protected]
Donna Halverstadt
Managing Director
+1 (646) 731-3352
[email protected]
Carol Pierce
Senior Director
+1 (646) 731-3307
[email protected]
Sean Campbell
Senior Analyst
+1 (646) 731-3361
[email protected]
Jack Morrison
Senior Director
+1 (646) 731-2410
[email protected]
Ethan Kline
Associate Director
+1 (646) 731-1278
[email protected]
Business development
Tina Bukow
Managing Director
+1 (646) 731-2368
[email protected]
Jonathan Harris
Senior Director
+1 (646) 731-1235
[email protected]
Mark Baker
Senior Advisor
+1 (646) 731-3382
[email protected]