The Hanover Insurance company operates through a handful of property/casualty insurance companies, of which Hanover Insurance Company is the largest. Hanover offers personal and commercial insurance, including automobile, homeowners, workers' compensation, and commercial multiple-peril insurance coverage. While the company is licensed to sell its products in all 50 states, its network of independent agents is concentrated in the Midwest, Northeast, and Southeastern US. Citizens Insurance Company of America, which sold the first auto insurance policy in the US, is Hanover's sister company operating in Michigan.

The Guardian Insurance & Annuity Company stands like a sentinel protecting its clients' retirement savings. The company, a subsidiary of mutually owned life insurer The Guardian Life Insurance Company of America, sells variable annuities and variable life insurance policies to individuals and groups looking to accumulate and manage savings over the long term. Its variable annuities have optional riders, including a Guaranteed Minimum Withdrawal Benefit, that protect a client's investment from market fluctuations. Guardian Insurance & Annuity distributes its products primarily through its sister firm, Guardian Investor Services.

Citizens Financial Corporation was incorporated in Kentucky in 1990 at the direction of Citizens Security Life Insurance Company (“Citizens Security”), a Kentucky-domiciled life insurance company. Pursuant to a merger completed in 1991, Citizens Security became a wholly owned subsidiary of the Company. All operations of the Company and its subsidiaries are conducted in Louisville, Kentucky from a 63,000 square foot office building owned by Citizens Security.

The subsidiaries of Missouri Farm Bureau Insurance Services offer a variety of personal and commercial property/casualty and life insurance products to members of the Missouri Farm Bureau (its parent company). Although the company has its roots in agricultural and farm-related insurance, it also provides automobile, homeowners, and boat coverage in addition to whole and term life policies and annuities. Group members include Farm Bureau Town & Country (property/casualty insurance, originally formed in 1946), Farm Bureau Life, and Missouri Farm Bureau Insurance Brokerage, which places health insurance. Its products are distributed through some 225 field agents across Missouri.

Once a global provider of insurance and reinsurance products and services, Alea Group faced a tough year in 2005 from which it never recovered. With catastrophes such as Hurricanes Katrina and Rita in the US and flooding in Europe greatly affecting the company, Alea decided to stop offering new property/casualty policies and divest strategic operations. Its businesses in Bermuda, the US, and Europe are either in runoff or are being sold.

CNA Financial is the umbrella organization for a wide range of insurance providers, including Continental Casualty. The company primarily provides commercial coverage, with such standard offerings as workers' compensation, auto, general, and professional liability, and other products for businesses and institutions. CNA also sells specialty insurance including professional liability for doctors, lawyers, and architects, and vehicle warranty service contracts. The company offers commercial surety bonds, risk and health care claims management, claims administration, and information services. Its products are sold by independent agents and brokers. Holding company Loews owns about 90% of CNA.

Doing right by employees and employers is the simple philosophy behind Nationwide Better HealthSM. We're dedicated to helping you protect your most valuable asset: the health and well-being of your employees.With the steady rise in corporate health care costs, it's a simple truth that healthier employees are more productive and less costly to insure. And the easier it is to help your employees improve their health, the better.As the first population health management company to truly integrate the best array of health and productivity services available, Nationwide Better Health can help you plan your health and absence management programs more effectively, reduce health care costs and increase productivity.

St. Andrew's Group helps folks get out of the trap of credit difficulties, while at the same time protecting creditors from potential losses. Part of the Lloyds Banking Group family of companies, the St. Andrew's Group provides creditor insurance products covering a wide range of risks to businesses throughout the UK including accident, illness, and unemployment. The company operates through the various St. Andrew's Insurance companies, which offer consumer products through partnerships with clients such as consumer and commercial lenders, utility companies, and other insurers. Services include products pricing and support, claims management, third party administration, and coverage for policyholders.

The world's oldest mutual life insurance company isn't aging well. The Equitable Life Assurance Society, founded in 1762, provided life insurance, annuities, pensions, and permanent health insurance to some 650,000 customers in the UK, Germany, and Ireland, until it ceased writing new business in 2000 after a House of Lords ruling that it underpaid some 90,000 guaranteed-annuity policyholders. After losing its court battle, it sought a buyer. Mortgage bank Halifax plc bought much of the troubled company and formed Halifax Equitable (part of Lloyds Banking Group, formerly HBOS plc). Equitable Life has given up hopes of a buyer and intends to just let its business continue until there are no more policy holders.

Patriot Risk Management, Inc. is an insurance holding company focused on the workers' compensation insurance industry. Patriot Risk Services, a wholly owned subsidiary of Patriot Risk Management, Inc., provides workers' compensation nurse case management, cost containment services, claims administration and adjudication services to insurance companies, reinsurers and segregated portfolio captives.

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