FCCI’s A.M. Best Company rating is A (Excellent) with a Stable outlook and a Best’s Capital Adequacy Ratio (BCAR) score of 297, far exceeding the required 145 for A rated companies. Our financial strength is based on prudent reserving and investing and a disciplined, long-term approach to expansion and growth. As a privately-held mutual insurance holding company, FCCI is able to focus on providing the best services for our agents and policyholders, while continually earning their business and their trust by keeping our promises.