Endurance Specialty Holdings Ltd. insurance underwriting operations include crop and livestock insurance, health care liability coverage for hospitals, and professional coverage for corporate officers, as well as general property/casualty lines. The company offers various property/casualty reinsurance policies, with a focus on catastrophe coverage. Other reinsurance offerings include marine, aerospace, and surety lines. Endurance Specialty is domiciled in Bermuda and has additional offices in the US and the UK.

Hannover Rückversicherung AG, together with its subsidiaries, operates as a reinsurance company worldwide. It offers non-life reinsurance products and services, including property and casualty reinsurance; structured reinsurance; marine and aviation reinsurance; credit and surety reinsurance, as well as reinsurance products for political risks; facultative and catastrophe reinsurance; reinsurance for agricultural risks; and treaty reinsurance, as well as financial reinsurance and specialty insurance. The company also provides life and health reinsurance products and services, such as life, health, annuity, and personal accident reinsurance.

ERGO Versicherungsgruppe, a German subsidiary of reinsurer Munich Re, owns a majority of the company. I insure, "ergo sum"? ERGO Previdenza (formerly Bayerische Vita) provides life insurance policies to individuals, families, and businesses. The company also provides pension coverage products. ERGO Previdenza sells its products through a network of nearly 300 branch offices and a large sales force throughout Italy. It serves approximately 600,000 customers. Sister company ERGO Assicurazioni provides a wide variety of property/casualty insurance products.

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.

The Seibels Bruce Group writes and sells auto, homeowners, and other property/casualty insurance products and services. Subsidiary Universal Insurance provides standard and nonstandard auto coverage in six Southeastern states. Commercial lines include business owners' policies, commercial auto and umbrella, and commercial package policies. Seibels Bruce, which was taken private in 2004, traces its history back to 1869 and the beginnings of the insurance industry.

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.

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.

Linda Blood and Frank Berriz opened American Coast Title Company in 1988. Joel Phillips joined Linda and Frank in ownership in 1999. All three are involved in day-to-day operations.ACT is a hands-on company. ACT has no outside investors awaiting huge profits, no stock analysts to keep happy and no consulting firm creating or revising the company's public image. ACT has dedicated title professionals who understand that the best insurance of success is superior service to our clients.

American Safety Insurance Holdings (ASI) was part of the first wave of insurance firms domiciling in this tax-sheltered location. Formed to offer insurance to asbestos removers and other environmental risk-remediation providers, the company has expanded into other specialty lines. American Safety Insurance now underwrites residential and commercial construction risks, as well as professional and product liability, and excess and surplus policies. The company also offers alternative risk transfer programs that rely on some measure of self-insurance or shared risk on the part of the insured. The firm sells through a network of 250 agencies in the US.

Operating as COUNTRY Financial, CC Services provides insurance services nationwide that include life, property/casualty, farm and ranch, disability and other traditional insurance products. Its COUNTRY Trust Bank and COUNTRY Capital Management units offer retirement planning, investment advice, asset management, and mutual funds. The company offers niche coverage on farm-related products, including crop insurance and farm vehicle policies. COUNTRY Financial traces its roots back to 1925, when a group of agricultural workers created a fire and lightning insurance company.

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