With one of the world's leading insurers and one of India's leading makers of motorcycles as its investors, Bajaj Allianz knows a thing or two about property insurance. The company is a joint venture between Allianz and Bajaj Auto subsidiary Bajaj Finserv. Bajaj Allianz provides an array of general insurance services via a domestic network of some 200 offices. Its product line includes auto, homeowners, commercial, health, and travel insurance. Automotive insurance comprises the bulk of the company's annual revenue. Since its founding in 2001, Bajaj Allianz has grown to become one of the leading general insurance agencies in the country. Bajaj Auto owns about 75% of the company.

American Physicians Service Group is a liability insurance writer and provider for medical professionals through its wholly-owned subsidiary American Physicians Insurance Company (API). It insures about 6,400 individual doctors and group practices primarily in Texas, but also in Arkansas and Oklahoma. Approximately 90% of its premiums are written through purchasing groups. About one-fifth of its premiums come from selling directly to policyholders. American Physicians Service Group has agreed to be acquired by ProAssurance for about $230 million.

The Progressive Corporation has motored beyond its traditional business into standard-risk and preferred auto insurance, as well as other personal-use vehicle coverage (motorcycles, recreational vehicles, and snowmobiles). Progressive also offers commercial policies for heavy trucks, vans, and lighter trucks. It writes a bit of professional liability insurance for directors' and officers' insurance of community banks. The company markets directly to consumers online and by phone, and through 30,000 independent agents who account for roughly 60% of the company's business.

Fidelity National Financial provides title insurance, escrow, and other services related to real estate transactions. It is now the big dog in the title insurance sector, (the next largest player is First American) and accounts for more than 45% of all title insurance policies in the US. The company operates through underwriters including Fidelity National Title Company, Chicago Title, Ticor Title, Security Union Title, and Alamo Title. It sells its products both directly and through independent agents. Fidelity National Financial's specialty lines include flood and home warranty insurance.

Sun Life Financial Inc., together with its subsidiaries, provides various life and health insurance, savings, investment management, retirement, and pension products and services to individuals and corporate customers. Its product portfolio includes individual life insurance, individual annuity and saving products, group life and health insurance, group pension and retirement products, mutual funds, asset management services, individual health insurance, and reinsurance-life retrocession. The company distributes its products through direct sales agents; independent and managing general agents; financial intermediaries, such as brokers; banks; pension and benefit consultants; and direct sales, including Internet and telemarketing. Sun Life Financial Inc. operates primarily in Canada, the United States, the United Kingdom, and Asia. It has a joint venture agreement with CIMB Group Sdn Bhd. Sun Life Financial Inc. was founded in 1999 and is based in Toronto, Canada.

Pacific Life & Annuity can turn your wishes into a plan. Along with parent company Pacific Life Insurance, Pacific Life & Annuity (PL&A) offers annuity and life insurance products to individuals and groups. Unlike Pacific Life, however, PL&A is licensed in the state of New York and offers many of its products only in the New York market. In addition to individual life insurance and annuities, PL&A issues structured settlement annuities, which are used to make payments to injured parties in personal injury and workers' compensation cases, and other financial investment products.

Heath Lambert is a leading UK independent insurance adviser and broker with over 130 years of experience in the insurance industry. We listen to our clients, and deliver the right insurance and advisory solutions for their needs. In 1997, during what was considered to be the softest market conditions in the history of insurance, a leveraged buy-out by the management was agreed.Lambert Fenchurch, itself a product of an earlier merger between Lowndes Lambert Group plc and Fenchurch plc can trace its origin back over 160 years to the coal factoring business set up by Francis Devereux Lambert, which developed into shipping and insurance broking.

RAM Holdings Ltd. was founded in 1998 as a Bermuda-based provider of financial guaranty reinsurance. We conduct substantially all of our operations through our wholly owned subsidiary, RAM Reinsurance Company Ltd. They provide financial guaranty reinsurance for public finance and structured finance obligations, covering risks in both the United States and international markets. They insure policies underwritten by our primary financial guaranty insurance company customers to a remote-loss standard, meaning that risks are insured only if an insurer expects that no loss will occur during the term of the policy.

Established in 1980, JEVCO has always distinguished itself in the specialized markets of recreational vehicles such as motorcycles, ATV and snowmobiles.While continuing to offer solutions for those clients who are harder to insure, JEVCO, forever attentive to its brokers, has continually added to its offering in order to provide a broader range of products to insurance brokers across Canada.

Founded in 1904, IFIC provides surety insurance in all 50 US states; Washington, DC; and Puerto Rico. IFIC writes five lines of surety: contract (which accounts for about half its business), commercial, bail, customs, and subdivision (covers construction costs related to municipal property projects such as fixing curbs or sewer lines). IFIC has a strong history with small contractors, primarily in its home base of New Jersey. The company operates more than two dozen branches throughout the US; its biggest concentration of offices is on the East Coast.

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