In 1922, a group of Universal Motor Car Company (Ford) dealers was searching for a way to insure their rapidly growing businesses. Fire insurance was expensive and qualified professional insurance carriers were hard to find for the young industry.So, the group formed a reciprocal insurance company and called it Universal Underwriters. Through the years, Universal Underwriters expanded its offerings, to serve not only vehicle dealers, but the entire automotive aftermarket. In 2007, Universal Underwriters takes on the Zurich name. We're changing our brand, but we're not changing our legacy.

American Hardware Mutual Insurance knows the nuts and bolts of commercial property/casualty insurance, including auto, liability, specialty lines, and workers' compensation. The company caters to small and midsized businesses, selling through employed sales representatives in 35 states, primarily in the western, midwestern, and northeastern US. American Hardware Mutual was founded in 1899 to protect hardware dealers from fire losses; it still provides specialized coverage for hardware stores, as well as for farm machinery dealers, car and boat dealers, repair shops, and several other niche businesses.

Transamerica Life Insurance Company (TLIC) gives its American touch to Dutch insurance giant AEGON's life insurance operations. TLIC, which began operations in 1961, is part of the AEGON USA group of companies. Transamerica Life Insurance Company provides individual and group life insurance and annuities. The Transamerica Life Insurance Company is licensed to provide insurance throughout the US, except for New York and Washington DC which are covered by its sister Transamerica Financial Life Insurance Company. Its products are distributed through agents and brokers, as well as via direct marketing efforts.

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.

Vermont Mutual Insurance Group sells commercial and personal property/casualty insurance -- including automobile, businessowners, homeowners, inland marine, and umbrella coverage -- to clients in the northeastern US. The group consists of three companies: Granite Mutual, Northern Security, and Vermont Mutual Insurance. The companies operate in Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont. A network of independent agents markets the group's products. One of the oldest American mutual insurance firms, Vermont Mutual Insurance Group traces its roots back to 1828 when it was established as a fire insurance company.

With one of the world's leading insurers and one of India's leading makers of motorcycles as its investors, Bajaj Allianz knows a thing or two about property insurance. The company is a joint venture between Allianz and Bajaj Auto subsidiary Bajaj Finserv. Bajaj Allianz provides an array of general insurance services via a domestic network of some 200 offices. Its product line includes auto, homeowners, commercial, health, and travel insurance. Automotive insurance comprises the bulk of the company's annual revenue. Since its founding in 2001, Bajaj Allianz has grown to become one of the leading general insurance agencies in the country. Bajaj Auto owns about 75% of the company.

JCM Partners owns about 45 properties, including apartment communities (containing a total of about 5,000 units), one multi-tenant office/retail property, office properties, and industrial properties. Nearly half of JCM Partners' residential properties are located in Sacramento County; the remainder are in San Joaquin, Solano, Stanislaus, and Contra Costa counties. JCM runs Rent-One.com -- an online apartment rental guide.

Employers Holdings, Inc., through its subsidiaries, operates in the commercial property and casualty insurance industry in the United States. The company provides workers’ compensation insurance to small businesses engaged in low to medium hazard industries. It distributes its products through independent local, regional, and national agents and brokers, as well as through strategic partnerships and alliances. The company is headquartered in Reno, Nevada.

A subsidiary of Dutch life insurance giant ING Groep, ING Life provides life, health, accident, and retirement benefit insurance services to group and individual customers in Thailand. Customers have access to dozens of ING network hospitals and health-care facilities throughout the country. In addition to insurance, ING Life provides financial investment opportunities such as retirement funds and long-term equity funds. ING Life's Thai operations are supported by roughly 40 domestic branches.

Allianz was the first European country to offer life insurance in China, opening Allianz China Life in 1999. You only have one life to live, and Allianz China Life (AZCL) wants to be the one to insure it. The company -- a joint venture between Allianz and China's financial services firm CITIC Trust & Investment -- provides universal and term life insurance as well as participating, annuity, pension, accident, travel, health, medical, and group insurance products. Banks, brokers, and company agents sell AZCL products; they are also available through direct sales. Its 13,000 agents operate from seven offices and 60 sales centers located in mostly southern and eastern China.

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