AM Best is a global credit rating agency specializing in the insurance industry. Founded in 1899, it provides financial-strength ratings assessing insurers' ability to pay claims and meet obligations[1][2]. Services include credit ratings, news publishing, and data analytics[3]. The target audience includes agents, brokers, investors, regulators, and policyholders[3]. AM Best's unique selling proposition is its exclusive focus on the insurance sector, offering independent and comprehensive assessments that help stakeholders make informed decisions[5]. This specialization sets it apart from broader rating agencies like Moody's and Fitch.