In the early 1980s, CPAs were faced with a mounting liability insurance crisis. The major insurance carriers, victims of their own rate-cutting war, found themselves with insufficient funds to cover their claims. Most companies discontinued their professional liability insurance coverage for CPAs. Those who continued to offer CPAs liability insurance imposed huge premium increases to cover cash shortfalls. As a result, liability coverage became unaffordable for many CPAs.

Mitsui Sumitomo Insurance is one of Japan's largest non-life insurance companies. The company sells property/casualty, shipping, accident, and auto lines. It also offers asset management and investment services including mutual funds, risk management, and financial consulting, as well as some life insurance products, through subsidiaries and affiliates. Mitsui Sumitomo sells insurance policies in Japan through a network of 570 branches and 40,000 independent representatives, and it has international operations in over 40 countries. The firm merged with fellow Japanese insurers Aioi Insurance and Nissay Dowa General Insurance in 2010; all three companies are now subsidiaries of holding company MS&AD Insurance Group.

Ohio Mutual Insurance Group provides automobile, home, farm, and commercial property/casualty insurance services to customers throughout Ohio. Ohio Mutual insures more than 20,000 farms of all sizes across the state. It also provides commercial insurance in Connecticut, Indiana, and Rhode Island. A network of some 300 independent agents sells the firm's products and services. Originally named the Ohio Mutual Tornado, Cyclone and Windstorm Insurance Association, the company was founded to provide financial protection for farmers in 1901.

SafeAuto Insurance Company is a property and casualty insurance carrier based in Columbus, Ohio, that was founded in 1993. Today, the company provides the state minimum insurance coverage to automobile drivers in 14 states including Ohio, Indiana, Kentucky, Georgia, Pennsylvania, South Carolina, Tennessee, Louisiana, Mississippi, Illinois, Missouri, Arizona, Oklahoma and Texas.

LWCC is Louisiana's largest workers' compensation carrier, providing coverage to approximately 18,000 policyholders. We are a private, nonprofit mutual insurance company that revitalized a workers' comp system on the verge of collapse and have continued to provide much-needed stability in Louisiana. While other carriers will come and go as market conditions fluctuate, LWCC will always be here to meet the needs of Louisiana businesses and their hard-working employees.

ProMutual Group, consisting of primary operating units Medical Professional Mutual Insurance (MPMI), FinCor Holdings, and MPMI's ProSelect Insurance subsidiary, offers medical malpractice coverage to physicians, surgeons, dentists, medical groups, and hospitals in the northeastern, midwestern, and northwestern US. It insures some 22,000 health care practitioners and 500 hospitals under the brands ProMutual and ProSelect, and it provides risk management seminars and other training and compliance tools that help its clients avoid malpractice claims. A network of independent agents market the company's products in nearly 20 states. ProMutual Group was established in 1975.

A personal auto insurer operating in a dozen states, First Acceptance specializes in providing non-standard auto insurance -- that is, insurance for drivers who have trouble getting coverage because of poor driving records or payment histories, but who must have the minimum coverage required by state laws. First Acceptance sells its policies, branded Acceptance Insurance, through some 400 retail offices staffed by its own employee agents. In the Chicago area it uses the names Yale Insurance and Insurance Plus.

American Farmers & Ranchers Mutual Insurance wanted to become more inclusive, hence its change from the former company name, Oklahoma Farmers Union Mutual Insurance. The company offers personal property/casualty and life insurance coverage including homeowners, farm liability, and automobile in the southern and western US. It also sells commercial insurance tailored for small businesses. Despite the name change, the company still primarily serves customers in Oklahoma. Some 200 agencies throughout the state sell American Farmers & Ranchers Mutual's products. The insurance company was founded in 1905.

Forum National Investments Ltd. (Forum Investments) was incorporated in British Columbia, Canada in 1995. We are a registered public company trading under the symbol FMNL. There primary business revolves around developing consumer driven organizations designed to enhance lifestyles.The largest company in our portfolio is a company specializing in Life Settlements throughout the United States. ( ALSS )

American Independence Corp. (NASDAQ: AMIC) is an insurance holding company specializing in health insurance. We are comprised of an insurance company, Independence American Insurance Company (“Independence American”), a brokerage organization, Independent Producers of America, and a general underwriter (“MGU”) division. Our MGU Division consists of Marlton Risk Group and Risk Assessment Strategies. AMIC is headquartered at 485 Madison Avenue, New York, New York. Since November 2002, AMIC has been affiliated with Independence Holding Company (NYSE : IHC), which owns 48 percent of AMIC’s stock. IHC’s senior managers (who also manage AMIC) have been recognized as innovators in the insurance industry for over 40 years.

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