A.M. Best Co. has affirmed the financial strength rating (FSR) of A+ (Superior) and issuer credit ratings (ICR) of “aa” of the property/casualty members of Houston Casualty Group (HCC). Concurrently, A.M. Best has affirmed the ICR of “a” and debt rating of “a” of $300 million 6.3% senior unsecured notes due 2019, as well as all indicative ratings under the shelf registration of the parent, HCC Insurance Holdings, Inc. (HCC Holdings) (Dover, DE)(NYSE:HCC). A.M. Best also affirmed the FSR of A+ (Superior) and ICR of “aa” of HCC Life Insurance Company (HCC Life) (Indianapolis, IN). In addition, A.M. Best has affirmed the FSR of A+ (Superior) and the ICRs of “aa-” of American Contractors Indemnity Company (ACIC) (Los Angeles, CA) and United States Surety Company (USSC) (Timonium, MD). The outlook for the above ratings is stable. The above companies are subsidiaries of HCC Holdings. (See below for a detailed listing of the companies and ratings.) The ratings of the property/casualty members of HCC take into consideration the sustained earnings reported through the second quarter of 2013 as well as this group’s long-standing presence in the specialty property/casualty marketplace, strong capitalization and the substantial financial flexibility afforded by HCC Holdings. These rating attributes are largely supported by HCC’s specialty niche business strategy, effective utilization of affiliated underwriting agencies/insurance intermediaries and the optimal utilization of reinsurance. Over the years, this strategy has culminated in HCC producing better than average underwriting and operating margins despite less than favorable economic conditions, low interest rates and ongoing market challenges. The ratings also acknowledge HCC’s lead position in the specialty admitted and non-admitted market segments, its strong near-term earnings prospects, general price firming in select commercial insurance markets and HCC’s ability to take advantage of opportunities when they arise. The ratings of HCC Life reflect its role as a core subsidiary of the HCC Holdings organization, its leadership position in the medical stop-loss insurance marketplace and its consistent growth in both premiums and operating earnings. While most of the premium growth can be attributed to group medical stop-loss, other products lines also have grown, including international and short-term medical insurance services. Additionally, the steady growth in operating earnings is representative of HCC Life’s disciplined underwriting approach and ongoing expense management.