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.

Sony Financial Holdings was founded in 2004 and is led by president Teruhisa Tokunaka. Electronics giant Sony Corporation is taking electronics to the bank. Its financial arm Sony Financial Holdings provides banking and insurance services through operating subsidiaries including Sony Bank. The retail bank operates primarily online and via mobile phone; physical transactions are available at convenience store ATMs throughout Japan. Sony Life provides insurance planning and policies; it is partnering with AEGON to offer annuities. Sony Assurance offers automobile insurance and other property/casualty and medical coverage. Sony Bank subsidiary Sony Bank Securities provides securities brokerage services.

Title provides real estate title insurance and escrow closing services for residential and commercial property transactions. The company operates offices throughout the US. Along with the basic title insurance and escrow services, the company also offers other title-related services. The company was a subsidiary of LandAmerica Financial Group from 2003 until 2008 when it was sold to Fidelity National Financial. It now operates alongside Fidelity National's other title operations.

Direct Line Insurance plc was founded in 1985 with a simple idea in mind -- selling car insurance over the phone. It is the UK's leading private automobile insurer, and it has more than 5 million customers across its lines of business. Since its founding, the company has expanded its business to include home, pet, travel, and life insurance. Other products and services include home mortgages, loans, savings, online car buying, and car breakdown service. Direct Line has also expanded geographically by offering services in Germany and Italy. The company is an affiliate of The Royal Bank of Scotland.

Rubin Insurance Agency provides commercial and personal insurance brokerage and risk management services. The company offers a full range of property/casualty products, including liability, workers' compensation, automobile, homeowners, and disability coverage. Rubin Insurance Agency develops niche programs for businesses including contractors, restaurants, and optometrists. It also provides whole and universal life and funeral insurance, as well as retirement planning, estate planning, and financial security analysis. Stuart Rubin founded the company in 1975.

CSO is a mutually owned insurance company specializing in the debt protection market. Our vision is to be the leader in debt protection products by providing innovative solutions and value to its lenders, agents, customers and policyholders. They are uniquely positioned to capitalize on the dual focus of credit life and disability products and debt cancellation programs. These product offerings are marketed by business partners consisting of automobile dealerships and financial institutions. CSO's extensive network of employed sales and training professionals and general agents allow for effective and responsive servicing of its accounts.

OdysseyRe is a leading worldwide underwriter of property and casualty treaty and facultative reinsurance, as well as specialty insurance. OdysseyRe operates through its subsidiaries Odyssey America Reinsurance Corporation, Hudson Insurance Company, Hudson Specialty Insurance Company, Newline Underwriting Management Limited, OdysseyRe's managing agent at Lloyd's, Newline Insurance Company Limited, Newline Asia Services Pte. Ltd. and Odyssey America Reinsurance Corporation Escritório de Representação no Brasil Ltda.

Founded in 1904, IFIC provides surety insurance in all 50 US states; Washington, DC; and Puerto Rico. IFIC writes five lines of surety: contract (which accounts for about half its business), commercial, bail, customs, and subdivision (covers construction costs related to municipal property projects such as fixing curbs or sewer lines). IFIC has a strong history with small contractors, primarily in its home base of New Jersey. The company operates more than two dozen branches throughout the US; its biggest concentration of offices is on the East Coast.

Berkley Mid-Atlantic Group, LLC is a commercial property & casualty insurer protecting a wide range of businesses and market segments. There policies are issued exclusively through independent agents, who serve our insureds throughout the Mid-Atlantic region, including Pennsylvania, Maryland, Delaware, Virginia, North and South Carolina,Washington D.C. and Ohio.They are part of the W.R. Berkley Corporation , an A+ rated (Superior) Fortune 500 company. At Berkley Mid-Atlantic Group, LLC, we combine the best of both worlds - the financial backing of a Fortune 500 company and local regional service.

Equity Title believes in equal insurance for all its customers. The company is an independent title agency providing title insurance and escrow services. It is the Southern California unit of Title Resource Group, the title, settlement, and vendor management firm that is part of Reology Corporation. The company performs title searches and examinations, conducts the closing of real estate transactions, and disburses funds. Equity Title was founded in 1979 and has offices in Los Angeles (Glendale), San Diego, Santa Ana, and Rancho Mirage, California. Statewide and national affiliates allow the company to extend its reach. First American and Stewart Title Company provide Equity Title's underwriting services.

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