When other insurance carriers reject you, don't cry a river, call one! James River Group writes specialty property/casualty insurance through its two primary operating subsidiaries. James River Insurance offers excess & surplus lines (policies that have been rejected by standard carriers), including general casualty, professional liability, and environmental coverage in 49 states and Washington, DC. Stonewood Insurance provides workers' compensation in North Carolina and Virginia, primarily for homebuilders. The company distributes its products through a network of independent brokers and agents. Private investment firm D. E. Shaw owns James River.

Count the rings on Woodmen and you'll get back to 1890. Woodmen of the World Life Insurance Society is a life insurance company formed to benefit the members of Woodmen of the World, a fraternal organization with some 750,000 members across the US. The company provides its members with traditional life insurance, as well as annuities for both individuals and small businesses. It also offers mutual funds and 529 college savings accounts through its Woodmen Financial Services subsidiary. Additionally, members have access to major medical coverage and disability insurance via marketing agreements with some third-party insurers.

PICC Property and Casualty (PICC P&C) is the leading property and casualty (P&C) insurer in bustling China. Founded in 1949 as the state-owned People's Insurance Company of China (now known as PICC Group), PICC P&C was spun off in 2003. It operates throughout most of China with more than 10,000 branch offices providing primarily auto insurance (more than 70% of sales). Additional types of coverage include commercial property, liability, accident, and homeowners insurance. PICC Group holds 70% of the company while beleaguered US firm AIG holds 10% of its shares.

The Loews Corporation's main interest is insurance through publicly traded subsidiary CNA Financial, which offers commercial property/casualty coverage. Other wholly owned and partially owned holdings include hotels in the US and Canada through its Loews Hotels subsidiary. Its energy holdings include contract oil-drilling operator Diamond Offshore Drilling (which operates roughly 50 offshore oil rigs), interstate natural gas transmission pipeline systems operator Boardwalk Pipelines, and HighMount Exploration & Production (also natural gas)

Got a house clinging to the edge of a cliff in California? Century-National Insurance will talk with you, even if other insurers wouldn't touch your house with a 10-foot pole. The company sells personal and commercial property/casualty insurance and specializes in homeowners coverage. To better serve the California market, it offers a line of earthquake-only policies. It also offers personal and commercial auto insurance. There are many things you can do in the case of an accident, but the first thing is to remain calm. Check all passengers for injuries first, then call the police or paramedics if necessary. If it is safe, move your vehicle away from traffic, then collect the other driver's information. For a detailed list of what to do in case of an accident, select this link ACCIDENT INFORMATION. The LOSS INFORMATION FORM should be kept in your vehicle and completed at the scene of an accident.

HCC Insurance Holdings, Inc., together with its subsidiaries, provides property and casualty, surety, group life, accident, and health insurance coverage, as well as related agency and reinsurance brokerage services to commercial customers and individuals worldwide. It underwrites financial insurance risks in its financial products line of business, which includes directors’ and officers’ liability, employment practices liability, errors and omissions liability, surety and credit, and fidelity insurance products. The company writes medical stop-loss insurance that provides coverage to companies, associations, and public entities that elect to self-insure their employees’ medical coverage for losses. It also engages in insuring aviation risks, which include coverage for antique and vintage military aircrafts, cargo operators, commuter airlines, corporate aircrafts, fixed base operations, military and law enforcement aircrafts, private aircraft owners, and rotor wing aircrafts. The company offers hulls, engines, avionics and other systems, liabilities, and cargo and other ancillary coverage. Its London market account business consists of marine, energy, property, and accident and health businesses. In addition, HCC Insurance Holdings underwrites property and liability businesses, such as event cancellation, contingency, public entity, and U.K. liability; and writes facultative or individual account reinsurance, and treaty reinsurance businesses. The company markets its products directly to customers, as well as through a network of independent and affiliated brokers, producers, agents, and third party administrators. HCC Insurance Holdings was founded in 1974 and is headquartered in Houston, Texas.

SCOR Reinsurance is an insurer's insurer. The company is the American arm of French firm SCOR and covers other insurers against large losses such as hurricanes and earthquakes. It is also licensed to write a wide array of both life insurance and property/casualty insurance such as accident, burglary and theft, health, aircraft liability, fire, forgery, hail, ocean marine, and auto liability. North American premiums account for for about a quarter of the total premiums collected by the parent company. SCOR Reinsurance is now part of the SCOR Americas hub that oversees SCOR activities from Toronto to Rio de Janiero.

Securian Financial Group, Inc. was founded in 1880 and restructured as a mutual holding company in 2005. After 125 years of being in business, Minnesota Mutual felt secure enough to change its name to Securian Financial Group and serve the entire US. The company still operates through its subsidiary Minnesota Life which offers individual and group life and disability insurance and annuities, as well as retirement services. Other subsidiaries include its brokerage network, Securian Financial Services, and its Allied Solutions business which distributes Securian products. Its Advantus Capital Management provides institutional asset management. It also offers a small amount of property/casualty coverage nationwide.

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.

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.

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