Hiscox focuses on niche risks rarely placed by other insurers. The company also provides reinsurance and operates a Lloyd's of London syndicate. Products include personal accident, travel, and kidnapping coverage for high net-worth individuals and a variety of protection for businesses (small and medium-sized), including fine art, marine, liability, political risk, professional indemnity, and terrorism policies. Hiscox's biggest market is the US, where it has expanded its presence through acquisitions and new operations, including offering professional liability coverage to the technology, media, and telecommunications industries.

Electric Insurance company was established in 1927 to provide worker's compensation benefits exclusively to General Electric employees. In 1996 it added personal lines for GE employees and in 2003 opened its coverage to the general public which now accounts for over half of its policyholders. Electric Insurance underwrites auto, homeowner, renter, and umbrella insurance to more than 130,000 policyholders. It distributes its products directly to consumers online and through independent agencies. The firm still writes commercial insurance policies for General Electric. Electric Insurance is licensed in all US states, Canada, and the EU.

Colemont Brokerage Group knows that commerce can be risky business, so it offers specialty commercial property/casualty coverages, such as pollution and trucker's liability, to businesses of all sizes. The company operates as Colemont Insurance Brokers in the US and Colemont Global Group internationally. With more than a dozen locations across the nation, Colemont ranks among the largest wholesale insurance brokers in the US. International expansion is part of Colemont's growth plan, and to that end it established offices in Europe, Latin America, Asia, and the Middle East.

The Wawanesa Mutual Insurance company, one of the largest property/casualty insurers in Canada, offers commercial and personal lines, including business, farm, homeowner, and automobile policies. It also owns a demutualized life insurer, Wawanesa Life. Wawanesa operates throughout Canada as well as in California and Oregon. The company sells its products through some 1,300 independent agents (except in Quebec where company agents handle the distribution). Wawanesa is owned by its policyholders.

Kyobo Life Insurance Co., Ltd. was founded in 1958 by Shin Yong-Ho, father of CEO Shin Chang-Jae. The Kyobo Group conglomerate (or "chaebol)" operates under a common management structure in a variety of sectors including real estate, investment banking, and a bookstore. Kyobo Life Insurance is one of South Korea's top life insurance firms. The company provides life insurance and asset management products to more than 10 million customers. Its offerings include traditional life, health and disability, and retirement and pension products for individuals and businesses. Products are distributed through financial planning agents. Kyobo Life also offers personal-use and mortgage loans, and it has some international operations.

Safety Insurance Group, through its subsidiaries (Safety Insurance, Safety Indemnity Insurance, and Safety Property and Casualty), sells property/casualty insurance exclusively in Massachusetts and New Hampshire. The company is one of the top private passenger automobile and commercial automobile insurers in the state, controlling around 11% of each market. Safety Insurance Group also provides homeowners, dwelling fire, personal umbrella, and business-owner policies; it cross-sells its non-auto property/casualty products to increase its share of the market. The company sells its products through more than 800 independent agents.

With roots (and tree rings) dating back over a hundred years, Lumbermen's Underwriting Alliance offers commercial property/casualty coverage to the forest products industry, plastics industry, professional employment organizations, and assisted living facilities. Its products include building and personal property insurance, specialty policies, surety bonds, and workers' compensation plans, which make up about one-quarter of the company's business. Lumbermen's Underwriting Alliance is licensed to do business in the continental US and throughout Canada.

Unitrin, Inc., through its subsidiaries, engages in the property and casualty insurance, life and health insurance, and automobile finance businesses primarily in the United States. The company offers automobile, homeowners, fire, and various other types of property and casualty insurance to individuals; and commercial automobile insurance to businesses. It also provides preferred and standard risk automobile and homeowners insurance, as well as nonstandard personal and commercial automobile insurance. In addition, the company sells automobile and homeowners insurance through employer-sponsored voluntary benefit programs. Further, it offers homeowners and renters insurance directly to consumers. The company also involves in reinsurance services; and financing of used automobiles through the purchase of retail installment contracts from automobile dealers. It provides automobile insurance primarily through direct mail and Web insurance portals. The company was founded in 1990 and is based in Chicago, Illinois.

Baldwin & Lyons, Inc. Protective Insurance subsidiary, licensed throughout the US and Canada, writes property/casualty insurance for large to midsized trucking fleets, as well as public transportation fleets. Baldwin & Lyons' Sagamore Insurance unit specializes in providing insurance to high-risk private auto drivers through a network of independent agents in most US states. Sagamore also sells physical-damage insurance and liability insurance for small trucking fleets. Founded in 1930, Baldwin & Lyons also provides brokerage services.

Intact Financial sits atop the Canadian property/casualty marketplace, providing automobile, property, and liability insurance to both individual and small to midsized commercial clients. The company sells its Intact Insurance products primarily through a network of some 1,800 brokers, but its Belair Insurance subsidiary sells directly online and by phone. The company's Trafalgar Insurance also offers Grey Power-branded personal insurance targeted toward seniors. Formerly known as ING Canada, Intact Financial no longer has any ties to its previous parent, ING Groep.

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