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Latest News


2015-2016 Reinsurance Program Completed
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2014-2015 Reinsurance Program Completed
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St. Johns Shield and St. Johns Shield+ are now available
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Personal Umbrella Liability Policy now available in Florida
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About St. Johns


St. Johns Insurance Company maintains an extensive reinsurance portfolio to provide the financial stability and peace of mind you would expect from an insurer protecting your home. Our current program incorporates Quota Share, Catastrophic Excess of Loss, and Property Per Risk reinsurance.

Quota Share

Quota Share reinsurance is purchased so that losses are shared by a stated percentage/amount for each risk within a defined category of business. The participation in each risk is fixed and certain.

Catastrophe Excess of Loss and Property Per Risk

Catastrophe excess of loss reinsurance protects the Company in the event losses exceed a specified retention level for catastrophic losses. The Company participates in the coverage provided by the Florida Hurricane Catastrophe Fund. For non-catastrophic losses the property per risk reinsurance limits the Company’s exposure at $300,000.

Reinsurance is placed in the Domestic, Bermuda, International, and London markets.

Reinsurance Program:

Effective: June 1, 2017
Current Domestic, Bermuda, and European Financial Information (as of 6/1/17)

Domestic Markets A.M. Best Rating
Everest Reinsurance Company A+
Odyssey Reinsurance Company A
Transatlantic Reinsurance Company A+
Berkley Insurance Company A+
General Reinsurance Corporation A++
Tokio Millennium Re Ltd. A++
Bermuda Markets
Chubb Tempest Reinsurance Ltd. A++
Allied World Assurance Company, Ltd. A
Amlin Bermuda Ltd. A
Arch Reinsurance Ltd. A+
Axis Speciality Limited A+
Allianz Risk Transfer AG A+
Hamilton Re, Ltd. A-
Endurance Specialty Insurance Ltd. A+
Fidelis Insurance Bermuda Ltd. A-
Markel Bermuda Limited A
XL Bermuda Ltd. A
European and Other Markets
Hannover Ruek SE A+
London Markets
Lloyd's Syndicate #2001 AML A
Lloyd's Syndicate #2003 XLC A
Lloyd's Syndicate #0623 AFB A
Lloyd's Syndicate #2623 AFB A
Lloyd's Syndicate #1274 AUL A
Lloyd's Syndicate #0382 HDU A
Lloyd's Syndicate #2007 NVA A
Lloyd's Syndicate #4141 HCC A
Lloyd's Syndicate #2987 BRT A
* Not Rated - Fully collateralizes its potential obligation with the Company.

Reinsurance (PDF)