Churchill Insurance provides coverage for your car, home, and even for travel. Other services include pet insurance (making at least one bulldog very happy), breakdown coverage (think of a British version of AAA), and van and motorcycle insurance. The company has some interesting marketing techniques, and even sells a nodding-head (aka a bobble head) version of Churchill (the dog) on its Web site, as well as Churchill ringtones and wallpaper for cell phones. Churchill Insurance is a subsidiary of The Royal Bank of Scotland.

Through subsidiaries in Asia, Europe, and North and South America, PartnerRe Ltd writes treaty (groups of risks) and facultative (individual risks) reinsurance for such primary coverage as property, casualty, and life insurance, as well as catastrophe, energy, marine, and other specialty insurance. PartnerRe was one of several pure-catastrophe reinsurers founded in the tax haven of Bermuda after Hurricane Andrew made reinsurance glamorous. The company provides services for customers in more than 150 countries. PartnerRe operates from about 20 offices around the globe.

Looking for auto coverage? Go west, young man -- or east, north, or south. Bristol West Holdings Bristol West Holdings sells non-standard private passenger insurance; that is, insurance for those who have trouble getting standard coverage because of bad driving records, age, limited financial resources, and the like. The company operates in some 40 states through about 10,000 agents. Though the majority of Bristol West's customers buy minimum liability policies, the company also offers collision and comprehensive coverage, as well as medical payments coverage that pays for health care costs related to automobile accidents.

Lancer Insurance isn't your average car insurer. The firm specializes in commercial auto insurance for niche markets, writing coverage for clients such as bus companies, limousine drivers, long-haul truckers, and rental car fleets. Its main Lancer Insurance division provides transportation coverage nationwide. The company also operates smaller subsidiaries that cater to customers in and outside of the commercial auto arena. Its D.C. White unit targets small and midsized auto businesses in New York and New Jersey. Nobel Insurance provides coverage to explosives manufacturers, MOPS provides coverage for Coast Guard employees, and Owner Operator DIRECT provides single-unit trucking policies.

Gen Re's history began in 1921 when two Norwegian companies, Norwegian Globe and Norwegian Assurance, merged and took the name General Casualty and Surety Reinsurance Corporation. Starting with $800,000 in capital and $900,000 in surplus, General Casualty and Surety set out to write casualty reinsurance. In 1923, American investors acquired the company and changed the name to General Reinsurance Corporation. In 1929 General Reinsurance affirmed that it would be only a direct reinsurer and also would write no less than 100% of a treaty. In 1945, General Reinsurance Corporation merged with Mellon Indemnity, bringing new capital to the company so that, in the face of foreign competition, it could become a stronger reinsurance force.

Founded in 1992 by the Dental Society of Massachusetts, as a "by dentists, for dentists,®" company, Eastern Dentists Insurance Company (EDIC) has grown to thousands of members in Massachusetts, Rhode Island, Connecticut, New Hampshire, Vermont, Maine, New Jersey, New York and Pennsylvania. The company was expressly formed to control the rising costs of dental malpractice insurance and allow our colleagues to control our own destinies.

Founded in 1867, the mutual life insurer operates throughout the US, offering a range of individual and commercial life and disability insurance products. Union Central Life Insurance also provides employee and executive benefit planning, estate planning, and retirement planning. It distributes its products through independent general agencies. Union Central keeps dry under the umbrella of UNIFI Mutual Holding, along with its sister companies Ameritas Life Insurance and Acacia Life Insurance.

Southern Farm Bureau Life Insurance Company was founded in 1946 as a joint venture of the farm bureau federations in Alabama, Arkansas, Kentucky, Mississippi, and Texas; other states joined later. If farm livin' is the life for you, you may already know about Southern Farm Bureau Life Insurance. The company, which focuses on serving American Farm Bureau members, offers customers in ten southern states such products as life, disability, and long-term care insurance. Southern Farm Bureau Life Insurance also provides retirement planning and other financial planning services. Its products are sold through Farm Bureau Insurance agents who also sell the property/casualty products of sister company Southern Farm Bureau Casualty Insurance.

Northwestern Mutual also offers brokerage and trust services through its investment services and wealth management subsidiaries. Keep an eye on the quiet ones. Northwestern Mutual Life Insurance, touting itself as "The Quiet Company," is one of the largest US life insurers, with more than $1 trillion in individual policies in force. Its 7,000 representatives sell a lineup of life, disability, long-term care, and employee benefits products (health, dental, 401(k) plans). It also offers retirement products, including annuities and mutual funds, to a clientele of small businesses and prosperous individuals. Its institutional asset manager Frank Russell Company is known for the Russell 2000 stock index.

Founded in 2006, Homeowners Choice began providing property and casualty insurance for Floridians just as large national insurers began exiting the hurricane-prone market to reduce exposure. The majority of the company's insurance policies have been assumed from Citizens Property Insurance Corporation, a state-supported insurer. Although Homeowners Choice has assumed more than 50,000 property and casualty insurance policies from Citizens, the company has done so selectively, assuming policies based on its own underwriting criteria. The company also sells policies through a network of more than 1,300 independent agents.

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