Market Security and Counterparty Credit

Are you confident you've got the bases covered?

Whether you're selecting a new carrier, assessing an unrated insurer, tracking ratings, or evaluating your exposure to stress events, Litmus provides the tools and insights to help you make confident, evidence-based decisions

Litmus supports major brokers and insurers, and also the members of British Insurance Brokers’ Association (BIBA), helping them understand the relative ‘security’ of unrated carriers and the world of ratings

Our clients have our analytical team 'on tap'

CARRIER CLARIFICATION

Has the specific carrier been correctly identified?

Is this the company that will pay the claims, or a different group member?

Is it an operating subsidiary or an insurer? Or a branch?

RATINGS CHECK

Does the rating apply to this specific carrier or subsidiary?

Have you checked all the main rating agencies?

What are the pressure points on the rating?

Are you keeping up with ratings changes?

UNRATED INSURER ANALYSIS

There are thousands of unrated carriers all over the world, many of good financial health. Others are not.

Identifying which to do business with takes expertise.

Our team has many years of experience in analysing unrated carriers, and our scoring model LITMUSQ simplifies both the process and your ability to interpret & communicate the key indicators of financial health.

STRESS TESTS

A rating represents the balance of numerous factors. This balance varies from carrier to carrier, even if they have the same rating.

Stress events will impact these in different ways, which is why some companies get downgraded and others don't, despite apparent similarities.

We have developed a unique and simple approach to gaining insight into the impact on a (re)insurer's financial profile of many stress events, such as:

Reserve shocks, Catastrophe events, Stressed investment markets

We give you the tools and analytical support
to help you make the best decisions

See LitmusQ

Our analysts monitor rating agency actions and interpret the drivers behind changes, then dive deeper when needed