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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.

One part of the Faraday Group, Faraday Holdings is the parent company of Faraday Underwriting, which in turn is the manager of the Faraday Syndicate 435 at Lloyd's. Funding for the syndicate (to the tune of $575 million in 2004) is provided by another subsidiary, Faraday Capital. Berkshire Hathaway acquired the syndicate in 1999 and Faraday Holdings is now a subsidiary of Berkshire's General Re. The company provides risk management underwriting through three primary teams: property, casualty, and aviation. The Faraday Group also includes Faraday Reinsurance, a separate unit of General Re.

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