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An Overview of How AM Best Assesses and Rates the Financial Strength of International General Insurance Holdings Ltd



AM Best confirmed the credit rating of International General Insurance Holdings Ltd. during its annual rating review. Its strong financial position and its positive outlook are reasons for this rating. However, the score could change if the company faces some financial problems. Here are the key factors that could have an impact on the ratings.

Financial strength ratings

AM Best anticipates strong underwriting outcomes by International General Insurance Holdings Ltd. for the first nine months. The company is extremely confident of its financial stability. The company is expected to be profitable in 2022. will be able to generate substantial profits. The company is expected to enhance its financial stability by 2020. It is likely that the company will eventually list on the Nasdaq stock exchange.

Excellent financial profile. Highly rated panel Reinsurance. AM Best assessed the enterprise risk management strategy of the firm as essential. The company’s underwriting performance has maintained its stability and profit margin has increased. The company expects that the performance of its underwriting will continue to improve and that the profitability remains the same.

AM Best confirmed the IGI’s rating as a long-term issuer. It also confirmed the financial strength rating of IGI in addition. These ratings are an indication of the solid financial position and sound risk management. It also reflects good operating performance.

Long-term issuer credit ratings

Associated Long-Term Issuer Credit Ratings of IGI have been confirmed by AM Best. These ratings pertain to the IGI company, as well as its subsidiaries as well as its affiliates. These include Chubb Bermuda Insurance Ltd., Chubb Limited, MedPro Ltd. as well as the National Indemnity Company.

The rating of each of these companies reflect their company profile, financial strength and their ability to fulfill policyholder obligations. AM Best assessed the company’s enterprise risk management (ERM), as it was in line with the requirements. The rating also highlights the strength of balance sheets and operating margins. Furthermore, the ratings are a reflection of the company’s crucial role in supporting the world’s A&H segment.

Even though IGI’s capital pool is modest, it is able to provide excellent diversification as well as a reinsurance panel. Its liquidity profile has been a strong. The company reported an average five-year combined ratio of 92% from 2017 to 2021. It is anticipated that the company will deliver strong results during the beginning of this year, and in 2022. For the past five years the underwriting results was inconsistent. The company has made corrective measures to reverse the company’s subwriting trends.

The credit profile of GE is impacted by deterioration in credit

GE has an international presence and generates solid margins in certain key areas. However, its profit margins are lower than those of competitors due to challenging industry situations in its Power and Renewable Energy businesses. But, it has established market share and can help alleviate some of the current issues in these industries.

The long-term IDR rating of BBB+ pertains to issuer default ratings (IDR). However, despite having a higher leverage than other similarly-rated lending and stand-alone finance firms but it also has good financing options as well as an existing air leasing franchise. It has access to GE Industrial facilities through intercompany loans.

The company’s long-term debt comprises 15 billion in senior secured notes, 10 billion dollars of factored receivables, and the amount of $12 billion intercompany loan that are owed to GE Capital. Leverage for GE’s long-term debt is thought to be four times that of similarly rated finance firms. It is likely that the leverage will stay at the current levels for the foreseeable future. It is also subject to the risk of residual value in the case of leasing aircraft, as well as cyclicality risk.


Established in 2001, International General Insurance Holdings Ltd (IGI) is an expert commercial reinsurer as well as a special insurance company with a vast range of commercial. Its primary business segments are including reinsurance, specialty insurers and financial institution. General third-party liability as well as casualty insurance are the company’s primary business divisions. Its offerings are varied both in terms of its products and markets, and its management team has a lengthy tradition of hiring top employees. The company’s liquidity is adequate and the balance sheet is strong.

IGI is a writer of a broad range of special insurance products that spans a range of sectors, including engineering, marine and aviation. It has been given provisional approval to write excess lines within the U.S. and will start creating surplus lines as of April 1, 2020. It also has opened Casablanca Finance City in Morocco as its representative. The firm has started to offer energy insurance. One of its global operations comprises a Dubai branch.

AM Best has assigned an A Financial Strength Rating to IGI. This rating indicates its stability outlook, solid capitalisation, as well as a prudent reserve policy. IGI is expected to deliver impressive underwriting performance over the coming months. The company’s well-diversified business profile and strong underwriting discipline have also been praised from AM Best.

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Sustainable Building Practices in Roanoke, VA – A Model for the Future




As cities across the globe grapple with environmental challenges, Roanoke, VA stands out as a beacon of sustainability. The city’s commitment to eco-friendly construction practices, highlighted in the recent feature on Wohlford Contracting’s blog, is not just a testament to green building but a roadmap for others to follow.

Why Focus on Sustainable Construction in Roanoke?

Roanoke’s landscape, rich in natural beauty, demands a careful approach to development. The adoption of sustainable building materials minimizes environmental disruption and preserves the area’s pristine conditions. Moreover, it reflects a broader commitment to environmental stewardship that resonates deeply with the community’s values.

Eco-friendly building materials such as bamboo, recycled steel, and insulated concrete forms are more than just alternatives to traditional building supplies. They represent a shift towards long-term, sustainable growth that benefits both the economy and the environment. Buildings constructed with these materials are not only energy-efficient but also healthier for residents, showcasing reduced levels of volatile organic compounds (VOCs) and other harmful chemicals.

The Role of Wohlford Contracting

Wohlford Contracting has been at the forefront of this movement, incorporating sustainable practices into their projects that help set a standard within the local industry. Their detailed blog post on eco-friendly building materials in Roanoke provides a comprehensive look at how these materials are transforming the construction landscape in the city.

The blog not only discusses the benefits of such materials but also delves into the challenges and opportunities they present. For instance, while the initial costs can be higher, the long-term savings in energy and maintenance are substantial. This makes a compelling case for homeowners and developers to consider the broader impact of their building choices.

A Call to Action for Sustainable Development

Encouraging sustainable construction goes beyond just using eco-friendly materials; it involves a holistic approach to building. This includes optimizing land use, enhancing energy efficiency, and adopting renewable energy sources. By focusing on these areas, Roanoke can continue to grow while maintaining its commitment to sustainability.

For anyone interested in the future of construction in Roanoke, or those considering building or renovating their own home, Wohlford Contracting’s blog is an essential resource. It not only informs but also inspires action towards more sustainable building practices.


As Roanoke continues to lead by example, it offers a blueprint for other cities to emulate. The shift to sustainable construction is not merely a trend but a necessary evolution in how we think about building our communities. It’s time for us all to consider how our choices affect the world we live in today and the legacy we leave for future generations.

For more insights and detailed analysis of eco-friendly building materials and practices, visit Wohlford Contracting’s blog on sustainable construction in Roanoke. Let’s build a greener future together.

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David Himbert : Photographe professionnel à Montréal




Dans l’univers concurrentiel de la photographie professionnelle à Montréal, David Himbert se distingue comme un leader incontournable, proposant une offre de services photographiques haut de gamme adaptés aux besoins spécifiques des entreprises, professionnels, et entités médiatiques. Sa démarche unique, mariant savoir-faire technique et créativité visionnaire, permet à David de produire des images captivantes qui transmettent avec brio le message de ses clients, renforçant leur communication visuelle.

Un expert en photographie d’entreprise et corporative

David Himbert se spécialise dans la prestation de solutions photographiques sur mesure pour le monde corporatif. Que ce soit pour des portraits de professionnels et de dirigeants émanant confiance et professionnalisme, ou pour la création de contenus visuels qui valorisent l’identité de marque d’une entreprise, David excelle. Sa compétence en photographie d’entreprise lui permet de transformer des idées abstraites en visuels impactants et mémorables, contribuant ainsi à distinguer les entreprises dans un marché hautement compétitif.

La publicité par l’image : un art maîtrisé

Pour les marques, David met à profit son expertise pour élaborer des images frappantes qui captent l’attention et engendrent l’intérêt. Grâce à sa profonde compréhension des tendances actuelles et des stratégies de communication de marque, il est capable de créer des photographies qui, au-delà d’embellir, amplifient le message publicitaire, garantissant ainsi un impact maximal auprès des audiences cibles.

Partenaire des médias

Collaborateur de valeur pour les médias internationaux, David Himbert offre son expertise pour immortaliser des événements d’actualité ou réaliser des reportages détaillés. Son regard unique sur le monde transforme les récits en images percutantes qui résonnent avec les lecteurs, faisant de lui une ressource précieuse pour toute organisation médiatique.

Parmi les meilleurs photographes de Montréal

Reconnu pour son professionnalisme, sa précision, et sa capacité à fournir des résultats hors du commun, David Himbert est régulièrement salué comme l’un des photographes les plus talentueux de Montréal, et son portfolio en témoigne. Son dévouement à l’excellence et sa capacité à comprendre et répondre aux exigences spécifiques de ses clients font de lui le photographe de prédilection pour les entreprises désireuses d’investir dans des services photographiques de première qualité.

Pour les entreprises à la recherche d’un photographe à Montréal capable d’apporter une valeur ajoutée à leur communication visuelle, découvrir le travail de David Himbert est indispensable ! En visitant, ses futurs clients pourront explorer comment les services photographiques de David peuvent enrichir leur entreprise ou projet médiatique. Engager David Himbert, c’est choisir un photographe dont l’expertise et le calibre du travail sont unanimement reconnus, mais c’est aussi travailler avec un homme intègre, chaleureux et transparent.

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Understanding the Dolphin Mind: Insights into Cetacean Intelligence




Understanding the Dolphin Mind: Insights into Cetacean Intelligence

Dolphins have long fascinated humans with their intelligence, complex behaviors, and apparent sociability. As one of the most intelligent animals on the planet, dolphins offer a unique window into the cognitive abilities that exist in the animal kingdom, distinct from human intelligence. This article delves into the remarkable aspects of the dolphin mind, highlighting their cognitive abilities, social structures, and the implications for conservation efforts. By understanding these extraordinary creatures, we can appreciate the importance of initiatives focused on their well-being and habitat conservation, such as those spearheaded by Animal We Care.

Cognitive Abilities of Dolphins

Dolphins possess a high level of cognitive abilities that rival those of great apes and, in some aspects, humans. They demonstrate self-awareness, problem-solving skills, and the ability to understand complex instructions. Research has shown that dolphins can recognize themselves in mirrors, a test of self-awareness that very few animals pass. They also use tools, such as sponges to protect their snouts while foraging on the seabed, indicating an ability to use objects in their environment to achieve goals.

Social Intelligence and Communication

Dolphin societies are complex and characterized by deep social bonds. They live in structured social groups and exhibit behaviors that reflect a high degree of cooperation, including hunting strategies that require coordination and communication. Dolphins communicate using a variety of sounds and body language, and there’s evidence to suggest they may even have names for each other, in the form of unique whistles.

Emotional Intelligence

Dolphins have been observed displaying emotions such as joy, grief, and frustration, suggesting a level of emotional intelligence that adds depth to their social interactions. They engage in play, both with members of their own species and with humans, indicating a capacity for joy and curiosity.

Implications for Conservation

The intricate intelligence and social structures of dolphins not only highlight their remarkable cognitive abilities but also bring to the forefront the critical need for comprehensive conservation strategies. Dolphins, with their complex societies, sophisticated communication methods, and emotional depth, offer a mirror into the cognitive and social richness of the marine world. This understanding serves as a powerful reminder of our responsibility to protect these sentient beings and their ecosystems.

The Need for Targeted Conservation Efforts

Dolphins face numerous threats from human activities, including pollution, fishing nets, and habitat destruction. The loss of their natural habitats due to coastal development and the contamination of oceans with plastics and toxic substances pose significant risks to dolphin populations worldwide. By recognizing the advanced cognitive functions and societal bonds dolphins possess, we underscore the moral imperative to implement targeted conservation measures. These include creating protected marine areas, regulating fishing practices to prevent bycatch, and reducing ocean pollution.

The Role of Research in Conservation

Research into dolphin behavior and cognition is vital for informing conservation strategies. Understanding how dolphins interact within their social groups, communicate, and navigate their environments can help in developing more effective conservation approaches that take into account the needs and welfare of dolphins. Organizations like Animal We Care facilitate crucial research efforts by funding studies and supporting scientists in their work to uncover the mysteries of the dolphin mind. This research not only enriches our knowledge but also guides policy and conservation practices.


The dolphin mind is a marvel of the natural world, showcasing a level of intelligence and social complexity that rivals that of the most cognitively advanced species on Earth. By studying dolphins, we not only gain insights into the capabilities of non-human intelligence but also deepen our understanding of the importance of protecting these remarkable creatures and their habitats. Through the efforts of conservation groups like Animal We Care, we can hope to ensure that dolphins continue to thrive in the wild, enriching our planet with their intelligence and grace.

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