The Commercial Division, based in Minneapolis, is an integral part of Oakbrook Terrace, Illinois-based BCS Insurance Company (BCSI), a for-profit, multiple-line property and casualty insurance company with roots that date back more than 50 years.The Commercial Division was established to underwrite business for the BCS Life Insurance Company and BCS Insurance Company for insurance associated with employers and affinity (voluntary purchase) groups. It exists to underwrite substantial and diverse blocks of business with flexible coverage solutions. It is here to help our customers manage risk with stable and consistent strategies. BCSI is part of the BCS Insurance Group, comprised of a number of for-profit, multi-line insurance companies with diverse capabilities. For more information about the BCS Insurance Group, visit our Web site by clicking here.

Oxford Life Insurance, which was founded in 1965, is a subsidiary of AMERCO, the owner of U-Haul International. Oxford Life Insurance company offers individual life insurance, annuities, and other types of policies targeted to middle income seniors under its own name and through its subsidiaries. Its Christian Fidelity Life Insurance subsidiary focuses on sales of Medicare supplement and funeral insurance to seniors in Arizona, Indiana, Missouri, Oklahoma, and Texas. Subsidiary North American Insurance specializes in third-party administration for Medicare supplement policy holders across the US.

Penn Treaty American Corporation and its subsidiaries provide long term care insurance in the United States. Its principal products include individual, defined benefit accident, and health insurance policies, which cover long-term care services, including confinement to nursing facilities and assisted living facilities, as well as home healthcare. The company’s policies are primarily designed to provide benefits when the insured is no longer capable of functioning independently. It also sells medicare supplement policies. In addition, Penn Treaty American Corporation also owns insurance agencies that sell senior-market insurance products issued by the company, as well as other insurers. It markets its long-term care insurance products through field marketing organizations. Penn Treaty American Corporation was founded in 1965. It was formerly known as Greater Keystone Investors, Inc. and changed its name to Penn Treaty American Corporation in 1987. Penn Treaty American Corporation is based in Allentown, Pennsylvania.

Flagstone Reinsurance Holdings Limited, through its subsidiaries, operates as a reinsurance and insurance company worldwide. The company primarily writes property, property catastrophe, and short-tail specialty and casualty reinsurance products; and property insurance products for homes, condominiums, and office buildings in the Caribbean region. It provides property catastrophe reinsurance coverage to a range of insurance companies for claims arising from natural catastrophes, such as hurricanes and earthquakes. The company also provides coverage for claims arising from other natural or man-made catastrophes, such as winter storms, freezes, floods, fires, and tornados, as well as covers various risks, which include aviation, energy, hull and cargo, accident and health, agribusiness, engineering, satellite, space, marine, marine liability, and workers’ compensation catastrophe. It offers its products and services through brokers and reinsurance intermediaries. The company was founded in 2005 and is based in Hamilton, Bermuda.

AXA Asia Pacific Holdings (AXA APH) helps its clients hold onto their assets. It provides life and property/casualty insurance, retirement funds, and investment products to individuals and businesses. The company has operations through subsidiaries and partnerships in Australia, China, Indonesia, Macao, New Zealand, and other Asia/Pacific countries. The company partners with AllianceBernstein to provide asset management services in Australia and New Zealand. French insurance giant AXA owns 54% of the firm. AXA APH has become an object of desire for local banks, and AXA would like to take over all of its Asian operations.

Gen Re's history began in 1921 when two Norwegian companies, Norwegian Globe and Norwegian Assurance, merged and took the name General Casualty and Surety Reinsurance Corporation. Starting with $800,000 in capital and $900,000 in surplus, General Casualty and Surety set out to write casualty reinsurance. In 1923, American investors acquired the company and changed the name to General Reinsurance Corporation. In 1929 General Reinsurance affirmed that it would be only a direct reinsurer and also would write no less than 100% of a treaty. In 1945, General Reinsurance Corporation merged with Mellon Indemnity, bringing new capital to the company so that, in the face of foreign competition, it could become a stronger reinsurance force.

BDML Connect (formerly known as Rossborough Insurance Services) offers commercial and personal auto coverage (including property/casualty policies for car manufacturers). It offers pet insurance through its Thornside subsidiary. Another subsidiary, BDML Insurance Solutions, provides insurance brokerage services online as well as niche products such as tenant and travel coverage. BDML Connect also provides business process and insurance administration services to clients that include ASDA and Norwich Union (which has since become part of Aviva). In 2005 Capita Insurance Services Group acquired 100% of the share capital of BDML Connect from its previous owner, BDML Group.

Colorado Casualty is proud to be a member of Liberty Mutual Group, who currently ranks 71 on the Fortune 500 list of largest U.S. Corporations based on 2009 revenues. We specialize in providing insurance products to small- to mid-sized commercial business through strong relationships with our independent insurance agents. We live and work in the communities we serve across Arizona, Colorado, Nevada, New Mexico, Utah and Wyoming.

21st Century Holding Company, through its subsidiaries, engages in insurance underwriting, distribution, and claims processing primarily in the United States. 21st Century Holding company underwrites homeowners’ multi-peril, commercial general liability, personal and commercial automobile, fire, allied lines, surety, commercial multi- peril, and inland marine insurance products. It also provides premium financing to its subsidiaries insureds, as well as third party insureds. 21st Century Holding company markets and distributes its own and third-party insurer’s products, and other services through contractual relationships with independent agents. 21st Century Holding Company was founded in 1991 and is based in Lauderdale Lakes, Florida.

Indiana Farmers Mutual underwrites personal auto, homeowners, farmowners, and commercial insurance for customers in (and only in) Indiana. The company sells its products exclusively through independent agents throughout the state. Indiana Farmers Mutual traces its roots back to 1877 when a group of farmers banded together for protection against fire loss.

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