Founded in 1912 and headquartered in Lansing, Mich., Accident Fund Insurance Company of America has always been the No. 1 provider of workers compensation insurance in Michigan. Since we began our national expansion in 2000, we have become a formidable competitor on the national level. We are licensed to provide workers compensation coverage in 49 states and the District of Columbia.

HM Insurance Group makes the grade in employer stop loss coverage and other group health-related insurance products. A subsidiary of health insurer Highmark, HM Insurance offers stop loss policies to help self-insured companies protect themselves from catastrophic medical claims. It also sells supplemental health plans that cover critical illness, accidents, and hospitalization; the plans also include disability and life insurance components. Additionally, the firm has introduced a customizable limited benefit medical plan and provides administrative services such as COBRA administration and claims processing for self-insured groups. HM Insurance, which consists of four operating companies, operates nationwide.

Canada Life Financial is a subsidiary of Great-West Lifeco, which is itself controlled by the Power Corporation of Canada. Canada Life Financial is the parent of Canada Life Assurance which offers both group and individual policies for life, critical illness, creditor, and disability insurance as well as reinsurance. Canada Life Assurance also provides annuities, pension plans, trusts, and other investment products, along with financial and investment management. In addition to serving customers in Canada, the company does business in Germany, Ireland, the Isle of Man, the UK, and the US.

Ohio Casualty underwrites a variety of commercial property/casualty insurance products including property and general liability, equipment breakdown, workers' compensation, schools, and commercial farm policies. The company also offers loss prevention programs to its customers. Ohio Casualty sells its products through independent agents in seven mid-central and eastern states and Washington D.C. Historically, half of its customers are contractors or artisans, the rest are typically smaller business owners, including merchants and service providers. The company is owned by Liberty Mutual.

Oxford Life Insurance, which was founded in 1965, is a subsidiary of AMERCO, the owner of U-Haul International. Oxford Life Insurance company offers individual life insurance, annuities, and other types of policies targeted to middle income seniors under its own name and through its subsidiaries. Its Christian Fidelity Life Insurance subsidiary focuses on sales of Medicare supplement and funeral insurance to seniors in Arizona, Indiana, Missouri, Oklahoma, and Texas. Subsidiary North American Insurance specializes in third-party administration for Medicare supplement policy holders across the US.

Unitrin, Inc., through its subsidiaries, engages in the property and casualty insurance, life and health insurance, and automobile finance businesses primarily in the United States. The company offers automobile, homeowners, fire, and various other types of property and casualty insurance to individuals; and commercial automobile insurance to businesses. It also provides preferred and standard risk automobile and homeowners insurance, as well as nonstandard personal and commercial automobile insurance. In addition, the company sells automobile and homeowners insurance through employer-sponsored voluntary benefit programs. Further, it offers homeowners and renters insurance directly to consumers. The company also involves in reinsurance services; and financing of used automobiles through the purchase of retail installment contracts from automobile dealers. It provides automobile insurance primarily through direct mail and Web insurance portals. The company was founded in 1990 and is based in Chicago, Illinois.

Hays Companies is one of the fastest growing, privately held insurance brokers in the country. Since our founding in 1994, we’ve grown to over 550 experienced professionals in more than 20 offices across the United States. Our expertise is helping clients protect their assets and earnings, manage their risk, and solve their problems with a focus on measurable results.

SECURA offers a range of personal and commercial property/casualty insurance, including auto, homeowners, and farmowners lines throughout the Midwest. It also provides specialty coverage for the manufacturing, restaurant, and service industries. Nearly two-thirds of the company's business is commercial. Some 400 independent agencies market the company's products. The mutual firm does business in Arizona, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Dakota, Pennsylvania, and Wisconsin; it has one office each in Wisconsin and Michigan. SECURA was founded in 1900 as The Farmers Home Mutual Hail, Tornado, and Cyclone Insurance Company.

Penn-America Group® offers property and casualty products designed for small commercial businesses through a select network of wholesale general agents empowered with specific binding authority. Its insurance companies hold admitted licenses and surplus lines qualifications in all 50 states and D.C. and maintain A.M. Best "A" (Excellent) XI ratings.Penn-America's insureds are small businesses that have limited access to larger standard lines insurers and must seek insurance in the “excess and surplus lines” market because of their rural locations, small premium size and non-standard risk characteristics. In this secondary market Penn-America is rewarded with higher prices than the standard lines segment, more flexibility in excluding coverage for specific loss exposures and lower premium taxes and state guaranty-fund assessments.

Fidelity National Financial provides title insurance, escrow, and other services related to real estate transactions. It is now the big dog in the title insurance sector, (the next largest player is First American) and accounts for more than 45% of all title insurance policies in the US. The company operates through underwriters including Fidelity National Title Company, Chicago Title, Ticor Title, Security Union Title, and Alamo Title. It sells its products both directly and through independent agents. Fidelity National Financial's specialty lines include flood and home warranty insurance.

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