Demotech Assigns Financial Stability Rating® of A, Exceptional, to CSI

Columbus, Ohio, November 12, 2012: Consumer Specialties Insurance Company RRG has earned a Financial Stability Rating® (FSR) of A, Exceptional, from 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 Consumer Specialties Insurance Company RRG

Consumer Specialties Insurance Company (Risk Retention Group) is the exclusive partner of the Consumer Specialty Products Association, the household and institutional products industry leader for advocacy and education.  CSI, a non-assessable Risk Retention Group, provides liability coverage for the chemical specialty industry and chemical distributors.  With CSPA membership, policyholders gain access to the support of their peers and are able to participate in Product Care®, CSPA’s popular product stewardship program that offers its members CSI premium discounts.  CSI was formed in 1987 (under the Risk Retention Act of 1986) with the assistance of CSPA.  CSI is domiciled in the state of Vermont, and is regulated by the Vermont Department of Banking, Insurance, Securities & Health Care Administration.  More information is available at or by calling 703-827-2277.

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.  This philosophy was the catalyst for the Demotech Company Classification System, which was published in Insurance Journal, in order to stratify and categorize insurers into operational categories.  Visit for more information.

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