In the early 1980s, CPAs were faced with a mounting liability insurance crisis. The major insurance carriers, victims of their own rate-cutting war, found themselves with insufficient funds to cover their claims. Most companies discontinued their professional liability insurance coverage for CPAs. Those who continued to offer CPAs liability insurance imposed huge premium increases to cover cash shortfalls. As a result, liability coverage became unaffordable for many CPAs.

Headquartered in Philadelphia, Radian connects lenders, homebuyers, investors and loan servicers using a suite of private mortgage insurance and related risk management products and services. They help promote and preserve the tradition of homeownership while protecting lenders from default-related losses on residential first mortgages. We also facilitate the sale of low-downpayment mortgages in the secondary market. Our commitment to homeownership is built on a foundation of evaluating credit risk; we help clients and investors expertly and prudently manage risk in any market condition. Radia

Storebrand Investments, the company's asset management unit, manages mutual funds and client portfolios. If you're planning for your golden years in Norway, you may want to shop at the Storebrand. The company provides insurance and financial services in the Nordic region, including life insurance policies, property/casualty coverage, asset management, and banking. Its largest unit, Storebrand Life, offers pension savings and life and health insurance products, while its Storebrand Skadeforsikring division provides property protection policies to individuals and businesses. The Storebrand Bank subsidiary is a commercial bank that focuses on the retail and corporate markets.

Selling specialist insurance and reinsurance coverage, Chaucer Holdings runs two Lloyd's of London syndicates through its primary subsidiary, Chaucer Syndicates Limited. Chaucer owns Syndicate 1084, which underwrites marine, auto, and other property risks, and controls 54% of Nuclear Syndicate 1176, which covers property and liability risks at nuclear power stations. The company also manages syndicates for other insurance companies, including Antares Holdings and Broadgate Underwriting. Chaucer Holdings, originally established in 1922 as Stewart and Hughman Limited, has operations in counties including the UK, Denmark, and Singapore.

Assurant's businesses provide a unique variety of products and services that assure opportunity, security and peace of mind for our customers. We provide creditor-placed homeowners insurance; manufactured housing homeowners insurance; debt protection administration; credit insurance; warranties and extended services contracts; individual health and small employer group health insurance; group dental insurance; group disability insurance; group life insurance; and pre-funded funeral insurance. Assurant's strategy is to manage a select portfolio of specialty businesses that are leaders in their markets. Assurant's U.S. headquarters office, located in New York's financial district, provides strategic management and key resources for its U.S. operating companies, including asset management, employee benefits, tax, accounting, legal and communications. Assurant also has offices in Syracuse, New York; West Des Moines, Iowa; and in Woodbury, Minnesota; which provide service support for its operating companies in such areas as information technology, financial and human resources systems management, and New York State policy administration.

MAPFRE, S.A., through its subsidiaries, MAPFRE provides customers with property/casualty (especially auto) coverage, life insurance, and reinsurance. The firm does business primarily in its home country of Spain, where it is a top insurer, and in about 40 other nations, including many in North and South America. Individual and group offerings include funeral, home, medical, and agricultural insurance. It additionally provides financial services such as investment and pension funds. MAPFRE also maintains a very successful alliance with Spanish banking company Caja Madrid through which the companies cross-market each other's products.

Genworth help borrowers buy a home—and we help them stay there. By putting less than 20% down, borrowers can responsibly buy a home years sooner, and our MI products make it possible. Even after closing, our innovative HomeOpeners products and services help keep borrowers in their home if times get tough.

Safety National offers a range of alternative risk funding products for workers' compensation through independent insurance agents and brokers. Since 1942, we've been a leading provider of excess workers' compensation coverage to self-insured employers and self-insured groups nationwide. Today, with the addition of our Large Casualty Program, which includes Large Deductible Workers' Compensation and Commercial Auto and General Liability coverage, Safety National has evolved into a versatile alternative market provider.

Kansas City Life Insurance Company, together with its subsidiaries, operates as a financial services company that primarily focuses on the sale and administration of life and annuity insurance products in the United States. The company offers traditional insurance products, which consist of term insurance, whole life insurance, matured endowments, life disability products, and immediate annuities, including various supplementary contract payment options; interest sensitive products, such as universal life, variable universal life, fixed deferred annuities, and variable annuities; and group insurance products, which include life, dental, vision, and disability products. It also offers investment products and broker-dealer services for proprietary and non-proprietary variable insurance products, mutual funds, and other securities. The company sells its products through a sales force of independent general agents, group brokers, and third-party marketing arrangements in 49 states and the District of Columbia. Kansas City Life Insurance Company was founded in 1895 and is headquartered in Kansas City, Missouri.

The Fuji Fire and Marine Insurance Company offers property/casualty insurance including automobile, medical, personal accident, and other lines, as well as life insurance, offered through its Fuji Life subsidiary. The company sells to individuals and to businesses and their employees, and operates "walk-in" insurance retail stores. The Fuji Fire and Marine Insurance Company has roots that run back to 1918, when Nippon Kan-i Kasai Insurance was established as a specialist fire insurer.

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