{"id":16418,"date":"2026-06-04T20:32:00","date_gmt":"2026-06-04T18:32:00","guid":{"rendered":"http:\/\/stocks-future.com\/?guid=fc7915e24bf1fb506473587c127e65ef"},"modified":"2026-06-04T20:32:00","modified_gmt":"2026-06-04T18:32:00","slug":"am-best-affirms-credit-ratings-of-n-v-unive-her","status":"publish","type":"post","link":"https:\/\/stocks-future.com\/?p=16418","title":{"rendered":"AM Best Affirms Credit Ratings of N.V. Univ\u00e9 Her"},"content":{"rendered":"

AMSTERDAM--(BUSINESS WIRE)--#insurance<\/a>--AM Best <\/b>has affirmed the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Rating of \u201ca\u201d (Excellent) of N.V. Univ\u00e9 Her (Univ\u00e9 Her) (Netherlands), a wholly owned subsidiary of Co\u00f6peratie Univ\u00e9 U.A. (Univ\u00e9 Group), a mutual insurance group domiciled in the Netherlands. The outlook of these Credit Ratings (ratings) is stable.<\/p><\/a><\/a>

The ratings reflect Univ\u00e9 Her\u2019s balance sheet strength, which AM Best assesses as very strong, as well as its adequate operating performance, neutral business profile and appropriate enterprise risk management. The ratings also consider Univ\u00e9 Her\u2019s strategic importance to and integration within the Univ\u00e9 Group as its sole internal reinsurance vehicle, with the company benefiting from rating enhancement as a result.<\/p>

Univ\u00e9 Her\u2019s balance sheet strength is underpinned by its risk-adjusted capitalisation, which remained at the strongest level at year-end 2025, as measured by Best\u2019s Capital Adequacy Ratio (BCAR). Given the company\u2019s significant exposure to catastrophe losses, prospective risk-adjusted capitalisation is prone to volatility. An offsetting factor is the company\u2019s dependence on retrocession to manage its natural catastrophe exposure; however, the associated risks are partially offset by the high credit quality of the counterparties.<\/p>

Univ\u00e9 Her\u2019s underwriting results are solid, having generated a five-year (2021-2025) average combined ratio of 70.7% (as calculated by AM Best). Overall operating earnings are supplemented by modest investment returns, reflecting the company\u2019s conservative investment portfolio. In 2025, Univ\u00e9 Her reported an after-tax profit of EUR 8.8 million (2024: EUR 9.2 million profit after tax), underpinned by a combined ratio of 44.4% (2024: 48.8%), benefiting from benign natural catastrophe experience. In addition, the company\u2019s five-year average (2021-2025) return-on-equity ratio is 4.0% (as calculated by AM Best). Univ\u00e9 Her\u2019s technical performance is subject to periodic volatility, due to its exposure to natural catastrophes.<\/p>

Given its distinctive role as the Univ\u00e9 Group\u2019s main reinsurer, Univ\u00e9 Her benefits from its exclusive access to the reinsurance business ceded by the Univ\u00e9 mutuals and N.V. Univ\u00e9 Schade. Univ\u00e9 Her is predominantly a monoline reinsurer, offering property excess of loss covers to the Univ\u00e9 mutuals. All other product lines are fully retroceded to the external reinsurance market, with the exception of motor hull insurance, which has been partially included within Univ\u00e9 Her\u2019s risk appetite since 2020. An offsetting factor to the business profile assessment is the company\u2019s limited geographic diversification, with its portfolio concentrated exclusively within the Netherlands.<\/p>

This press release relates to Credit Ratings that have been published on AM Best\u2019s website. For all rating information relating to the release and pertinent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see AM Best\u2019s <\/b>Recent Rating Activity<\/b><\/a> web page. For additional information regarding the use and limitations of Credit Rating opinions, please view <\/b>Guide to Best\u2019s Credit Ratings<\/b><\/a>. For information on the proper use of Best\u2019s Credit Ratings, Best\u2019s Performance Assessments, Best\u2019s Preliminary Credit Assessments and AM Best press releases, please view <\/b>Guide to Proper Use of Best\u2019s Ratings & Assessments<\/b><\/a>.<\/b><\/p>

AM Best is a global credit rating agency, news publisher and data analytics provider specialising in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit <\/b>www.ambest.com<\/b><\/a>.<\/b><\/p>

Copyright \u00a9 2026 by A.M. Best Rating Services, Inc. and\/or its affiliates. ALL RIGHTS RESERVED.<\/b><\/p> Contacts<\/b>

Valentine Gu, AAG<\/b>Associate Financial Analyst<\/b>+31 20 308 5421<\/b>valentine.gu@ambest.com<\/a>Morgane Hillebrandt<\/b>Associate Director, Analytics<\/b>+31 20 808 3176<\/b>morgane.hillebrandt@ambest.com<\/a>Christopher Sharkey<\/b>Associate Director, Public Relations<\/b>+1 908 882 2310<\/b>christopher.sharkey@ambest.com<\/a>Al Slavin<\/b>Senior Public Relations Specialist<\/b>+1 908 882 2318<\/b>al.slavin@ambest.com<\/a><\/p>","protected":false},"excerpt":{"rendered":"

AMSTERDAM–(BUSINESS WIRE)–#insurance–AM Best has affirmed the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Rating of \u201ca\u201d (Excellent) of N.V. Univ\u00e9 Her (Univ\u00e9 Her) (Netherlands), a wholly owned subsidiary of Co\u00f6peratie U…<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-16418","post","type-post","status-publish","format-standard","hentry","category-infos-businesswire"],"_links":{"self":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts\/16418","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=16418"}],"version-history":[{"count":1,"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts\/16418\/revisions"}],"predecessor-version":[{"id":16419,"href":"https:\/\/stocks-future.com\/index.php?rest_route=\/wp\/v2\/posts\/16418\/revisions\/16419"}],"wp:attachment":[{"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=16418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=16418"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stocks-future.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=16418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}