NKSJ Holdings was created to hold two insurance companies: Sompo Japan and Nipponkoa Insurance. While each was a strong player in Japan's property/casualty and life insurance markets, when merger mania hit the industry they didn't want to be left out and formed the joint holding company in 2010. Eventually the two companies will merge into one entity, but until then, the two company brands remain separate. Its businesses include both domestic property/casualty and life insurance as well as overseas insurance products, asset and risk management services, pension plans, and some supplemental health insurance products.

Ambac Financial Group, Inc. is a holding company whose affiliates provide financial guarantees and financial services to clients in both the public and private sectors around the world. Ambac's principal operating subsidiary, Ambac Assurance Corporation, is a guarantor of public finance and structured finance obligations. The Ambac Assurance financial guarantee is an unconditional and irrevocable pledge that investors will receive principal and interest payments in full and on time should the issuer of an Ambac-insured security default.

When Allianz's eyes are smiling -- people are buying insurance. Allianz Ireland, the Irish insurance branch for worldwide insurer Allianz, offers a variety of personal property/casualty insurance offerings including home, motor, pet, travel, and pleasure craft coverage. Its business offerings include motor, commercial property, employer and public liability, and marine and aviation transit insurance products, as well as policies covering health care facilities and schools.

Validus Holdings, Ltd., through its subsidiaries, provides reinsurance and insurance coverage in the property, marine, and specialty lines markets worldwide. The company underwrites property catastrophe reinsurance, property per risk reinsurance, and property pro rata reinsurance; and insurance and reinsurance on marine risks covering damage to or losses of marine vessels or cargo, yachts and marinas, third-party liability for marine accidents, and physical loss and liability from offshore energy properties. It also underwrites reinsurance on other lines of business, including aerospace, terrorism, life and accident, and health and workers’ compensation catastrophe. In addition, Validus Holdings underwrites short-tail insurance and reinsurance contracts; and specialty insurance products consisting of war (which comprises marine and aviation war, political risks, and political violence), financial institutions, contingency, bloodstock and livestock, accident and health, airlines, and aviation treaty. The company offers its products primarily in the United States, Europe, Latin America and the Caribbean, Japan, and Canada. Validus Holdings, Ltd. was founded in 2005 and is based in Hamilton, Bermuda.

American Family Mutual Insurance and its subsidiaries specialize in property/casualty insurance, but also offer life and health coverage, as well as investment and retirement-planning products. The company operates in about 20 states, primarily in the midwestern and western US. It is among the largest US mutual companies that concentrate on auto insurance (State Farm is the biggest). American Family Mutual also provides coverage for homeowners and farmers, as well as restaurants, contractors, and other businesses.

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.

At Bituminous, we believe in positioning well qualified insurance decision makers at the point of sale – so we market our programs through some of the best agents in the business. If you rely on your independent insurance agent to help you identify the best fit for your property and casualty insurance needs, be sure you check out Bituminous. The quality of our experience in the industries we have chosen to serve means we are qualified to offer advice in the most specific areas of your concern.

Transatlantic Holdings, Inc. (TRH) is a leading international reinsurance organization headquartered in New York, with operations worldwide. TRH’s subsidiaries, Transatlantic Reinsurance Company® (TRC), Trans Re Zurich Reinsurance Company Ltd (TRZ) and Putnam Reinsurance Company (Putnam), offer reinsurance capacity on both a treaty and facultative basis -- structuring programs for a full range of property and casualty products, with an emphasis on specialty risks.

Sometimes you can have too much of a good thing. In the case of health plan information overload, Verisk Health (formerly Urix) can help share some of your burden. The firm provides health care data management, consulting, and analysis for self-insured employers and others. The company utilizes a series of software tools to help clients control health care costs, process claims, and avoid risk. Other clients include insurance providers, managed care groups, government entities, and reinsurance companies. Services include data warehousing, expense forecasting, and actuarial, statistical, and financial analysis. Verisk Health is a division of Insurance Services Office, itself a unit of Verisk Analytics.

Baldwin & Lyons, Inc. Protective Insurance subsidiary, licensed throughout the US and Canada, writes property/casualty insurance for large to midsized trucking fleets, as well as public transportation fleets. Baldwin & Lyons' Sagamore Insurance unit specializes in providing insurance to high-risk private auto drivers through a network of independent agents in most US states. Sagamore also sells physical-damage insurance and liability insurance for small trucking fleets. Founded in 1930, Baldwin & Lyons also provides brokerage services.

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