"History" often implies a longer run and a less recent past than 15 years. In our business, Alternative Risk Transfer (ART), that is a long span. We have evolved from a venture capital-based start-up to a successful and profitable enterprise. Writing almost $1 billion of business with over 300 employees, we have a powerful infrastructure and a professional business culture that is both pragmatic and flexible. We have learned and continue to execute the "art" of ART better than anyone in the industry because that is our sole focus.

RSUI is a leading underwriter of wholesale specialty insurance. We work with insurance wholesalers to provide a wide range of insurance products, including: property, casualty, professional liability and directors and officers ("D&O") liability coverage. RSUI provides insurance to thousands of companies nationwide. With over fifteen years of commitment to wholesale specialty insurance, we're focused on service and underwriting integrity. By working with a select number of wholesale producers and reinsurers, we are able to provide high levels of support and service--something critical to wholesalers' success.

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.

Maine Employers' Mutual Insurance Company (MEMIC) is a private mutual insurance company that opened for business in January 1993. MEMIC was, and remains, the keystone to the landmark 1992 reforms of Maine workers' compensation law passed by the Maine Legislature and signed by then - Gov. John R. McKernan.Among other reforms, this legislation called for the creation of MEMIC as a private company that would serve as the guarantor of workers' compensation insurance for Maine companies. With its private structure, MEMIC serves as a competitive force within the workers' compensation insurance market.

Allianz Engineering (formerly Allianz Cornhill Engineering) inspects before it covers. The company provides plant and machinery inspection services and sells insurance policies to protect machinery, electronics, consequential loss from business interruption. It also sells insurance to contractors needing to comply with contractual insurance requirements for a specified period of time. In addition, Allianz Engineering performs health and safety appraisals, performs non-destructive testing of process machinery, provides training seminars, and environmental risk assessment.

Born in 1898, Metropolitan Holdings Limited company is one of the largest financial services conglomerates in Africa serving the low- to mid-income markets. Metropolitan Holdings provides life insurance to some 4 million residents in eight nations, including South Africa where it is a leading life insurer. Its life products are distributed directly and through intermediaries and brokers. Metropolitan also offers retirement fund benefits, asset management, and managed health-care administration. Metropolitan Holdings Limited company plans to merge with another South African insurer, FirstRand's Momentum Group, to form MMI Holdings. Metropolitan brings insurance and financial services to those who may not be accustomed to such things.

AXA Asia Pacific Holdings (AXA APH) helps its clients hold onto their assets. It provides life and property/casualty insurance, retirement funds, and investment products to individuals and businesses. The company has operations through subsidiaries and partnerships in Australia, China, Indonesia, Macao, New Zealand, and other Asia/Pacific countries. The company partners with AllianceBernstein to provide asset management services in Australia and New Zealand. French insurance giant AXA owns 54% of the firm. AXA APH has become an object of desire for local banks, and AXA would like to take over all of its Asian operations.

Founder, chairman, and CEO Bruno Rousset owns a controlling stake in April Group company. April Group provides services for insurers that design and administer health, accident, and savings plans. April Group distributes its products and services through brokers and agents, as well as through partnerships with retailers, banks, and travel agencies. When "avril" showers bring a flood of insurance claims, April can help you. The firm owns more than 40 companies that operate in four areas: individual personal protection insurance, corporate insurance, life insurance and savings, and individual property and casualty.

For over a quarter of a century, Bowen, Miclette & Britt has brought to its customers a commitment to excellence, innovation and service in the complex world of insurance and risk management. Bowen, Miclette & Britt is a leading independent privately-held insurance brokerage and risk management consulting firm. They are the 76th largest commercial retail insurance broker in the United States, offering a wide array of insurance services, including all lines of commercial insurance, bonds and surety, employee benefits, personal insurance and professional employer services.

Desjardins Financial Security Life Assurance nurtures a garden of insurance and investment products. The subsidiary of the Desjardins Group offers individual and group life and health insurance, as well as a variety of investment products and other financial services, to some 5 million Canadians. The company's products are distributed through the caisses (savings banks) that make up the Desjardins Group network; Desjardins Financial Security also sells through independent agents, brokers, and financial institutions, as well as via direct marketing (online and telephone).

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