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jardine lloyd are an international group of Risk Specialists and Employee Benefits Consultants and one of the largest companies of its type in the world. We offer a distinctive choice to our clients and partners through our combination of independence, scale and specialism.As an independent business, we are able to operate with autonomy and flexibility. We have the scale to provide solutions to the complex demands of the world's leading companies and to deliver global servicing whilst recognising that the needs of each of our clients are unique. By developing highly specialised services, we provide our clients with a depth of expertise and experience.

Kentucky Employers’ Mutual Insurance (KEMI) is the largest provider of workers’ compensation insurance in Kentucky, providing coverage to more than 20,000 policyholders in all 120 counties of the state.KEMI was created in 1994 as the centerpiece of workers’ compensation reform for the Commonwealth. Through exceptional service, competitive pricing, responsible financial management, safety education, responsive claims practices, and a focus on innovation, KEMI brought stability to the workers’ compensation market in Kentucky and continues today as a model for success.

Liberty International Underwriters (LIU)™, a division of Liberty Mutual Group, was formed in 1999 as a global specialty lines business with an emphasis on niche insurance products distributed through the independent broker network.With offices in Atlanta, Boston, Chicago, Dallas, Houston, Los Angeles, New York, Miami, San Juan, Seattle, San Francisco, Toronto, Calgary, Montreal, Vancouver, Dublin, London, Bristol, Manchester, Paris, Madrid, Cologne, Dubai, Zurich, Amsterdam, Hong Kong, Brisbane, Melbourne, Sydney and Singapore, LIU is a major focal point for specialized coverage of complex risks for Liberty Mutual.

On May 1, 1888, twenty-five Lancaster County citizens met at Lititz, Pennsylvania, for the purpose of organizing a Mutual Fire Insurance Company. The original name of the company was "The Agricultural Mutual Fire Company of Lancaster County." On May 22, 1888, these same citizens, dedicated to their heritage of Pennsylvania Dutch tradition, adopted By-Laws on the principles of thrift, integrity and full measure for value received. To the credit of the founders, many of these By-Laws have never been changed and are just as applicable today as they were over a century ago.

Living Benefits Financial Services, LLC (LBFS) is the oldest name and longest-running provider of institutionally funded life settlements in the United States. Life insurance policies acquired from seniors are considered an attractive, non-correlated asset for institutional investors worldwide. A portfolio of life insurance policies can be structured to meet a wide variety of investment needs.

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