The nature of risk is increasingly complex and constantly changing. Some risk management challenges are obvious. Others less so, mostly due to events beyond your control or that have yet to be contemplated. Add the scrutiny of regulators, ratings agencies and other stakeholders, and the hurdles are even higher. With your capital at stake, you need a risk and reinsurance advisor with a track record of visionary ideas and delivering on its promises.

American Hardware Mutual Insurance knows the nuts and bolts of commercial property/casualty insurance, including auto, liability, specialty lines, and workers' compensation. The company caters to small and midsized businesses, selling through employed sales representatives in 35 states, primarily in the western, midwestern, and northeastern US. American Hardware Mutual was founded in 1899 to protect hardware dealers from fire losses; it still provides specialized coverage for hardware stores, as well as for farm machinery dealers, car and boat dealers, repair shops, and several other niche businesses.

Standard Life plc operates as a long term savings and investments company worldwide. The company offers a range of life, pensions, protection, savings, and investment products to individual and corporate customers. It also provides commercial mortgage products; investment management services; investment products for individuals and institutional customers through various investment vehicles; open architecture funds; and a range of retirement products and mutual funds. In addition, the company offers group term assurance and savings products; and group savings and retirement, group insurance, and portfolio management products. Standard Life has operations in the United Kingdom, the Asia Pacific, Europe, and North America. It distributes its products through financial consultants, corporate agents, brokers, and bancassurance partners, as well as direct sales force. It was formerly known as Standard Life Assurance Company and changed its name in 2006. Standard Life plc was founded in 1825 and is headquartered in Edinburgh, United Kingdom.

United Fire & Casualty Company, together with its subsidiaries, engages in writing property, casualty, and life insurance; and selling annuities in the United States. Its commercial insurance product line comprises fire and allied lines, other liability, automobile, workers’ compensation, fidelity and surety, and miscellaneous products. The company’s personal insurance product line includes fire and allied lines, including homeowners; and automobile insurance. Its life insurance products comprise single premium annuities, universal life products, and traditional life products; and term and whole life insurance products. The company markets its products through independent agents. United Fire & Casualty Company was founded in 1946 and is headquartered in Cedar Rapids, Iowa.

The NIA Group is a Marsh & McLennan Agency LLC company, a wholly owned subsidiary of Marsh, the world's largest insurance broker. At The NIA Group, we create customized insurance and financial solutions that fit your unique needs and make it possible for you, your company, your employees and your family to flourish in business, at home and in life. Our 500 insurance and financial services professionals, employed at NIA offices throughout New York, New Jersey, Connecticut and Florida, are passionate about their work and highly dedicated to delivering the very best in client service.

Tenet Insurance Company sells a range of business and individual insurance products, including home, liability, vehicle, travel, and medical insurance. The company's business packages provide comprehensive coverage catered to the food and beverage, retail, and light industrial industries. Tenet sells its products through in-house agents to individuals and small to midsized businesses. Other lines include coverage for domestic helpers and overseas coverage for students. Formerly owned by Singapore investment firm Hwa Hong, Tenet Insurance was acquired by Japanese insurance company.

Grenville Mutual Insurance Company offers commercial, automotive, and homeowners insurance as well as agri-business insurance (such as for dairy and beef operations) to customers in Eastern Ontario. Property coverage generates more than 50% of revenues at the company, followed by auto insurance (25%). Established in 1892, Grenville Mutual Insurance Company has been doing what it does for more than 100 years. It is run on a not-for-profit basis and 100% owned by policyholders.

MGIC (www.mgic.com), the principal subsidiary of MGIC Investment Corporation, is the founder and leader of the private mortgage insurance industry, serving more than 3,300 lenders with locations across the country and Puerto Rico. MGIC provides a critical component of our country's residential mortgage finance system, protecting mortgage investors from credit losses. Mortgage insurance from MGIC also benefits consumers by helping them achieve homeownership sooner with low-down-payment loans.

Since our founding in 1866, Hartford Steam Boiler has had a culture that values technical expertise. Our engineering knowledge and experience enables us to understand the causes for loss. We then recommend risk management and loss prevention solutions that help our customers reduce their losses and improve their underwriting results.Hartford Steam Boiler (HSB) is headquartered in Hartford, Conn. We serve businesses, industries and institutions worldwide.Review HSB At-a-Glance for an overview of Hartford Steam Boiler's capabilities. HSB Group, Inc., the parent company of The Hartford Steam Boiler Inspection and Insurance Company, was acquired by Munich Re on April 1, 2009.

Insurance Marketers Inc was founded in 1987 by Evarist Milian Jr., who began operating by marketing employee benefits products. In 1991, the agency diversified into all lines of insurance and since has enjoyed a consistent growth well over 25% per year. IMI is an elite insurance agency in the State of Florida which is committed and specialized in asset protection and Risk Management consulting. We are deeply embedded in our community and committed to offer our customers the best possible innovative insurance solutions along with professionalism and integrity. IMI is motivated by a strong sense of ethics and responsibility to you, our clients.

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