OLDWICK, N.J.--(Business Wire)--A.M. Best Co. has assigned a financial strength rating of A-(Excellent) and an issuer credit rating of "a-" to Esurance InsuranceCompany of New Jersey (Esurance NJ) (Madison, WI). The outlook forboth ratings is stable. The ratings reflect Esurance NJ's 100% quota share reinsuranceagreement with its parent company, Esurance Insurance Company (EIC)

(Madison, WI). As such, Esurance NJ has received the ratings of EIC,which is ultimately owned by White Mountains Insurance Group, Ltd.

(WTM) (Hamilton, Bermuda) (NYSE: WTM). Esurance NJ began writing private passenger auto insurance for NewJersey residents during August 2007 ceding all of this business toEIC. Esurance NJ had been dormant since 2005. The Esurance group only writes private passenger auto insurance,which is sold through its web site. Its highly automated operatingsystems have facilitated significant growth over a five-year period.EIC utilizes a rules-based underwriting methodology with claimsoffices strategically located throughout the country. For Best's Ratings, an overview of the rating process and ratingmethodologies, please visit www.ambest.com/ratings. Founded in 1899, A.M. Best Company is a global full-service creditrating organization dedicated to serving the financial and health careservice industries, including insurance companies, banks, hospitalsand health care system providers.

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