The Injured Workers' Insurance Fund (IWIF) has specialized in providing workers' compensation insurance to Maryland businesses since 1914.As the leading writer of workers' compensation insurance in Maryland, IWIF continues to be a competitive force in the industry, with an array of consumer-driven products and services that are available to all Maryland businesses.

These pages have been created specially to comply with the laws of accessibility of level AA. This means that we have summarized here the most important contents of our corporate website. If you wish to obtain more information you can access our website in its extended version. Here, internet users will find information about who we are, which is our philosophy and our evolution. One can find articles, details, curiosities, information about our products and about the Group's dimension and financial development...in general the user will find many options to get to know in depth the Grupo Catalana Occidente, the independent company leader in the insurance sector in our country as well as the oldest, on its way up to 150 years of history.

Kiln underwrites a wide range of specialty property/casualty insurance, including marine, aviation, and special risk coverage (ranging from wind farms and high-tech laboratories to political and intellectual property risk). Kiln also underwrites accident and health insurance, reinsurance, and life insurance. The company, with offices in Asia, Africa, and Europe, is one of the largest agencies trading in Lloyd's of London's insurance market. Kiln operates primarily through subsidiary R J Kiln & Co., which was founded in 1962. Kiln was acquired by Tokio Marine & Nichido Fire Insurance, a unit of Tokio Marine Holdings (formerly Millea Holdings), in 2008.

Sentry Insurance offers a variety of insurance products, including personal auto, homeowners, and other property/casualty lines, as well as life and annuities. The mutual company (owned by its policyholders) also provides specialized insurance to businesses of all sizes, including manufacturers, retailers, and truckers. The company's Sentry Equity Services offers mutual fund services through its Sentry Fund. Formerly named Hardware Mutual, Sentry Insurance was founded in 1904 to provide insurance to members of the Wisconsin Retail Hardware Association.

Citizens Financial Corporation was incorporated in Kentucky in 1990 at the direction of Citizens Security Life Insurance Company (“Citizens Security”), a Kentucky-domiciled life insurance company. Pursuant to a merger completed in 1991, Citizens Security became a wholly owned subsidiary of the Company. All operations of the Company and its subsidiaries are conducted in Louisville, Kentucky from a 63,000 square foot office building owned by Citizens Security.

The predecessor company to Princeton Insurance was created in 1976 to meet a critical need as commercial insurers withdrew from the state or raised rates by as much as 300 percent. This new company embarked on what has now become more than three decades of partnership with the New Jersey healthcare community, the longest continuous market presence of any company writing medical professional liability insurance in New Jersey. Measured either by numbers of policyholders or total premium writings, Princeton Insurance is the leading medical professional liability insurer in the Garden State.

Oregon Mutual Insurance operates within and outside of the Oregon territory. The company provides personal and commercial property/casualty insurance coverage to customers in California, Idaho, Nevada, Oregon, and Washington, partially through subsidiary Western Protectors Insurance. Its offerings include standard and specialty automobile, homeowners, farmowners, and liability policies. More than 550 independent agents produce and sell the company's products; it has over a dozen administrative, regional, and claims offices in operation. As a mutual insurer, the company is owned by the approximately 120,000 policyholders it insures. A group of businessmen founded Oregon Mutual Insurance in 1894.

ACE USA provides a comprehensive range of property/casualty, risk management, accident, disaster, professional lines, workers' compensation, and health insurance products to individuals and businesses throughout the US. It sells these through licensed insurance brokers. ACE USA has dedicated efforts to tailor its services to four specialized industries: construction, health care, energy, and public entities. It also has an arm dedicated to merger and acquisition underwriting practices.

Alliant Insurance Services' specialty is commercial and specialty insurance. The company brokers multi-line commercial property/casualty insurance, as well as surety bonds and employee benefits through more than 30 offices scattered across the US and in Canada. Offering several specialty programs, the company operates a large public entity business, and it has expertise in providing insurance for energy and health care companies, tribal nations, law firms, and the real estate and construction industries

EMC Insurance Group with its subsidiaries EMCASCO Insurance, Illinois EMCASCO, and Dakota Fire Insurance sell property/casualty lines including automobile, property, liability, and workers' compensation insurance, primarily to small and medium-sized businesses. EMC Underwriters offers excess and surplus lines of insurance. EMC Reinsurance provides reinsurance for the group and other unaffiliated insurers. The group operates throughout the US, primarily in the Midwest; Iowa accounts for 15% of premiums. Employers Mutual Casualty, a multiple-line property/casualty insurance company, owns 60% of EMC Insurance Group.

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