> For the complete documentation index, see [llms.txt](https://docs.stoik.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.stoik.io/broker/en/getting-started/underwriters-and-financial-strength.md).

# Underwriters & financial strength

Overview of Stoïk's underwriters and their financial strength ratings from S\&P Global, Moody's, A.M. Best, and Fitch Ratings (as of July 2026).

**Tokio Marine HCC (TMHCC)**

Policies are underwritten by Tokio Marine HCC, a member of the Tokio Marine Group and one of the world's leading specialty insurers.

| Rating agency | Rating                    |
| ------------- | ------------------------- |
| A.M. Best     | A++ (Superior), stable    |
| Fitch Ratings | AA- (Very Strong), stable |
| S\&P Global   | A+ (Strong), positive     |

**Axeria IARD**

Policies are also underwritten by Axeria IARD, the Arch Group's European underwriter. Reinsurance is provided by Arch Re; Axeria IARD is part of the Somers Group, in which Arch Capital Group holds a strategic stake.

| Rating agency | Rating                   |
| ------------- | ------------------------ |
| A.M. Best     | A- (Excellent), positive |

Financial strength of Arch Capital Group, the parent group behind Axeria IARD:

| Rating agency | Rating        |
| ------------- | ------------- |
| S\&P Global   | AA-           |
| Moody's       | A1            |
| Fitch Ratings | AA-           |
| A.M. Best     | A+ (Superior) |

**Swiss Re**

Reinsurance of the policies is provided by Swiss Re, founded in 1863 in Zurich and the world's second-largest reinsurance and insurance company.

| Rating agency | Financial strength rating | Outlook |
| ------------- | ------------------------- | ------- |
| S\&P Global   | AA- (very strong)         | stable  |
| Moody's       | Aa3 (excellent)           | stable  |
| A.M. Best     | A+ (superior)             | stable  |

**Stoïk's own financial strength**

Stoïk's growth is backed by a group of leading international investors, including Andreessen Horowitz, Munich Re Ventures, Alven Capital, Anthemis Group, Opera Tech Ventures, and Impala. Since 2022, the company has raised a total of €70 million across four funding rounds, most recently a €20 million Series C round in January 2026. This capital has been used to expand AI-driven risk prevention and incident response, and to fund expansion across Europe.

*Ratings are based on information publicly available from the respective agencies (as of July 2026) and are subject to change.*


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