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.