In order to enhance the quality of the promise made to our policyholders, Dryden Mutual purchases special excess coverage on virtually all insurance policies we write. This excess coverage is purchased from Swiss Re Corporation, the largest worldwide financial reinsurance organization specializing in the distribution of insurance risk literally around the globe. “Reinsurance” is the common transaction that nearly every insurance company uses to ensure their claims-paying ability in the event of major loss (i.e. 9/11 attack, East Coast hurricanes or wild fires in the West). This reinsurance guarantees our policyholders that there are billions of dollars of assets behind our own assets, backing up the coverage promised in every policy. Swiss Re is currently rated “A” (Superior), FSC XV ($2 Billion +) by A.M. Best.

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