About Us | Financial Strength

Sound operating results since inception have assured strong financial statements for AMS RRG. Demotech, an independent financial analysis and actuarial services firm, has been serving the insurance industry since 1985, providing independent opinions on the financial stability of insurers. On 4/19/2010, Demotech upgraded the Financial Stability Rating© (FSR) of Applied Medico-Legal Solutions RRG to A’ (A Prime), Unsurpassed. This level of FSR is assigned to insurers who possess unsurpassed 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 and realistic pricing. To learn more about our financial stability please visit Demotech.

The corporate structure of a risk retention group provides AMS RRG members ownership, governance and flexibility to optimally serve its clients. This has enabled AMS RRG to pay annual dividends to shareholders since 2009. 

AMS RRG reinsurers provide coverage for any claims in excess of $250,000 per medical incident. The program is supported by leading reinsurers carrying an AM Best rating of A- or better.

The following financial information is from AMS RRG's audited GAAP statements.

2014 2015 2016
Total Assets
$131,304 $142,103 $151,969
Gross Written Premium
$47,013 $49,010 $49,811
Net Written Premium (NWP)
$39,026 $42,061 $30,249
Total Shareholder's Equity*
$33,016 $35,511 $39,406
1.18x 1.18x 0.77x
Dollar figures are in the thousands
Shareholder's equity does not include dividend returns