A personal auto insurer operating in a dozen states, First Acceptance specializes in providing non-standard auto insurance -- that is, insurance for drivers who have trouble getting coverage because of poor driving records or payment histories, but who must have the minimum coverage required by state laws. First Acceptance sells its policies, branded Acceptance Insurance, through some 400 retail offices staffed by its own employee agents. In the Chicago area it uses the names Yale Insurance and Insurance Plus.

Scottish Re Group Limited is a holding company organized under the laws of the Cayman Islands with its principal executive office in Bermuda. Through our operating subsidiaries, we are engaged in the reinsurance of life insurance, annuities and annuity-type products. These products are written by life insurance companies and other financial institutions located in the United States, as well as in other countries around the world.

Citizens, Inc. and its subsidiaries provide life and health insurance products and services in the United States and internationally. Its Life Insurance segment engages in issuing ordinary whole life insurance products to foreign residents, high net worth and high income residents, and middle income households. This segment offers its products through independent marketing firms and consultants in Latin America and the Pacific Rim. Citizens company’s Home Service Insurance segment focuses on the life insurance needs of the middle to lower income market in Louisiana, Mississippi, and Arkansas. This segment sells ordinary whole life products to provide funding individuals’ final expenses, primarily consisting of funeral and other burial costs, as well as offers limited liability, named peril property policies covering dwellings and contents. Home Service Insurance segment provides policies and services through home service marketing distribution system agents, who sell policies, collect premiums, and service policyholders. Citizens, Inc. was founded in 1969 and is based in Austin, Texas.

European insurance firm Helvetia Holding primarily operates through Swiss life and property/casualty subsidiaries Helvetia Leben and Helvetia Versicherungen. Its associated companies serve more than 2 million private customers and thousands of small or medium-sized businesses. As a top insurer in Switzerland, Helvetia Holding provides life, pension, auto, liability, and accident insurance policies, as well as reinsurance coverage and risk management services. Geographically, the company's core market consists of Austria, Germany, and Switzerland, but it has expanded through acquisitions into other countries including France, Italy, and Spain. The Patria Cooperative owns 30% of Helvetia Holding.

Title provides real estate title insurance and escrow closing services for residential and commercial property transactions. The company operates offices throughout the US. Along with the basic title insurance and escrow services, the company also offers other title-related services. The company was a subsidiary of LandAmerica Financial Group from 2003 until 2008 when it was sold to Fidelity National Financial. It now operates alongside Fidelity National's other title operations.

Markel Corporation markets and underwrites specialty insurance products and programs. It operates in three segments: Excess and Surplus Lines, Specialty Admitted, and London markets. The Excess and Surplus Lines segment writes property and casualty insurance outside of the standard market for hard-to-place risks, including catastrophe-exposed property, professional liability, products liability, general liability, commercial umbrella, and other coverages. The Specialty Admitted segment writes risks that remain with an admitted insurance company for marketing and regulatory reasons. It writes specialty program insurance, personal and commercial property, and liability coverages. The London markets segment writes specialty property, casualty, professional liability, equine and marine insurance, and reinsurance. The company was founded in 1930 and is based in Glen Allen, Virginia.

Liberty Northwest Insurance is a regional multiline insurer operating in five northwestern states: Alaska, Idaho, Montana, Oregon, and Washington. Its main business is providing workers' compensation insurance to area businesses, and it is the leading private workers' compensation insurer in some of its markets, including Oregon and Montana. However, Liberty Northwest also provides other kinds of commercial and personal coverage, including car, homeowners, business owners, and agribusiness insurance. A subsidiary of Boston-based insurance giant Liberty Mutual, the company is part of its parent's Agency Markets segment, a unit comprising Liberty Mutual's regional insurance carriers.

Doing business through its United National Group and Penn-America Group subsidiaries, Global Indemnity (formerly United America Indemnity) provides specialty and surplus property/casualty insurance, including insurance for social service agencies and vacant properties. The group, one of the larger excess and surplus lines insurers in the US, operates through agents and program managers throughout the nation. Global Indemnity also has operations in Bermuda through its Wind River Reinsurance unit, which offers treaty (group risk) and facultative (individual risk) reinsurance. Investment firm Fox Paine owns a controlling interest in the company.

Austin Mutual Insurance sells personal and commercial property/casualty insurance. Products include automobile, homeowners, farmowners, and mobile home and other dwellings coverage. Other offerings include businessowners coverage, commercial and personal umbrella liability, and workers' compensation. The company does business in Arizona, Idaho, Minnesota, Montana, Oregon, South Dakota, Utah, Washington, and Wisconsin. Its policies are distributed through a network of independent insurance agents. Austin Mutual Insurance was founded in 1896 as the Farmers United Township Mutual Hail Association of Minnesota to provide crop insurance.

Frenkel & Co., Inc. (“Frenkel”) was founded in 1878 by Emil Frenkel, a German immigrant. His sons, George and Leo, participated in the business and emulated Emil’s pioneering spirit and leadership. They firmly established Frenkel’s presence and reputation in the New York insurance market with the imagination and ingenuity characteristic of the American dream. In 1985, the Frenkel & Co., Inc. Employee Stock Ownership Plan (ESOP) was established, allowing Frenkel to remain an independent broker. Frenkel’s ownership remained in the ESOP structure until it was purchased in January 2001 by our current President and Chief Executive Officer, John F. Kelly, and current Chairman of our Board of Directors, Robert E. Shunk.

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