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Erie Indemnity Company was founded in 1925 as an auto insurer, it now provides underwriting and sales and policy administration services to Erie Insurance Exchange, a reciprocal insurance exchange that pools the underwriting of several property/casualty insurance firms. Most of its revenues come from the management fees it charges the exchange, but it also writes a bit of property/casualty insurance of its own through subsidiaries. Its reach includes coverage in about a dozen eastern states and it markets its products through some 9,000 independent agents. The company is the only publicly traded part of the Erie Insurance Group, which also includes Erie Family Life Insurance.

Chairman Peter Wood started Esure Holdings Ltd. in 2000, offering auto and homeowners insurance using the Internet as its primary sales channel. Since then, esure has added travel and pet insurance as well as personal loans to its stable of offerings. It jointly sells car insurance with Sainsbury's Bank; esure also underwrites and manages Halifax Car Insurance. With offices in Glasgow, Manchester, and Reigate, esure boasts more than 1 million customers. A management group led by Wood bought the majority of the company back from former parent Lloyds Banking Group in 2010.

Everest Re markets to US and international insurance companies directly and through independent brokers. Under its reinsurance arrangements, Everest Re assumes risks of policies written by other insurance companies. The company offers specialized underwriting in several areas, including property/casualty, marine, aviation, and surety, as well as medical malpractice, directors and officers liability, and professional errors and omissions liability.

Achieving a high rate of return is the main objective at Fairfax Financial Holdings. The holding company provides insurance, reinsurance, and other financial services. Its subsidiaries (including Northbridge Financial, Falcon Insurance,and Crum & Forster) focus on property/casualty coverage such as commercial, auto liability, trucking, and accident insurance in Singapore, Hong Kong, the US, and Canada. Fairfax's reinsurance operations span North America, the UK, and Central Europe. Chairman and CEO Prem Watsa's unorthodox business strategies have been compared to those of Warren Buffett; he controls about half the voting rights of Fairfax Financial.

Falvey Cargo Underwriting provides marine cargo insurance primarily for high technology and medical industries, but insures just about anything in need of coverage. Typical cargo loads include environmentally-sensitive fiber optic equipment, robotic surgical devices, and pharmaceutical products. The company also provides loss prevention consultations, claims processing services, and recovery services through its ProTecht Risk Solutions program. Falvey Cargo Underwriting -- a licensed underwriting manager for several Lloyd's syndicates -- was founded in 1995.

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