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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.

Farm Bureau Insurance of Michigan offers life insurance and commercial and personal property/casualty insurance, including homeowners, farm owners, workers' compensation, and automobile coverage. Its life insurance products include traditional policies and annuities. A subsidiary of the Michigan Farm Bureau, the company also sells Blue Cross and Blue Shield health policies, long-term care insurance, retirement products, and financial planning services. The company was founded in 1949 to serve the farming community and operates exclusively in the state of Michigan. Its subsidiaries, Farm Bureau Mutual, Farm Bureau Life, and Farm Bureau General, have claims offices and over 400 independent agents in the state.

Farm Bureau Property & Casualty (formerly Farm Bureau Mutual Insurance) offers property/casualty insurance products, primarily to farmers, ranchers, and agricultural businesses in the Midwest and West. Its lines of coverage include farmowners, homeowners, commercial liability, crop, auto, and disability. Farm Bureau Property & Casualty operates in Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Dakota, and Utah. The insurance provider and its sister company, Western Agricultural Insurance, are managed by FBL Financial Group. The company is headed by former Allstate Financial CEO James Hohmann.

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