The Progressive Corporation has motored beyond its traditional business into standard-risk and preferred auto insurance, as well as other personal-use vehicle coverage (motorcycles, recreational vehicles, and snowmobiles). Progressive also offers commercial policies for heavy trucks, vans, and lighter trucks. It writes a bit of professional liability insurance for directors' and officers' insurance of community banks. The company markets directly to consumers online and by phone, and through 30,000 independent agents who account for roughly 60% of the company's business.

Affirmative Insurance Holdings, through its subsidiaries, writes and sells non-standard auto insurance policies -- that is, coverage for drivers in high-risk categories due to their age, driving records, and other factors -- in 10 states. It markets its own policies, as well as non-standard coverage from other insurers, through some 200 company-owned retail locations (including A-Affordable, Driver's Choice, InsureOne, and USAgencies stores) and through independent and unaffiliated agents. Investment firm J.C. Flowers controls more than half of the company.

Multi-line insurer Groupama is the operating company responsible for a group of regional mutual insurance companies that provide life, health, and property/casualty insurance throughout France. The group also offers retirement savings products, as well as banking and asset management services. Under its three distinct brand names, Groupama, Gan, and Amaguiz.com, the company caters to private individuals, small and midsized businesses, and Internet sales, respectively. The company operates in about a dozen countries in Europe and Asia. Groupama is owned indirectly (through a holding company) by the mutual companies it operates.

Triad Guaranty Insurance, sold private mortgage insurance on residential mortgage loans when buyers could put up less than 20% of the down payment. Its customers have been residential mortgage lenders, including commercial banks and mortgage bankers and brokers. Triad Guaranty marketed its products across the US through its in-house sales force. The company is in the operating in run-off, which means it no longer writes new policies, but continues to service existing customers.

Catholic Order of Foresters was established in 1883 and has more than 140,000 members. Catholic Order of Foresters is a fraternal organization that provides members with a variety of life insurance and annuity products. The organization distributes its products through more than 300 dedicated agents in 31 states and the District of Columbia. It has a network of more than 400 local "courts", through which members participate in community social, spiritual, and educational activities. The not-for-profit organization also grants scholarships for eligible Catholic students, and raises matching funds at the local level for charitable causes.

Businesses are being transformed by technology and the internet. As businesses continue utilizing new technology-based processes, they may not be aware of the emerging risks that could potentially threaten their bottom line. Businesses require risk management professionals who can stay abreast of and mitigate these emerging risks.

Owning a car has become a necessity of life, that's why Permanent General has dedicated itself to providing the insurance needs of thousands. We currently issue policies in Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Missouri, New York, Nevada, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Wisconsin

Personal Group Holdings may seem like an oxymoron to some, but not to these folks. Established in 1984, Personal Group Holdings provides employee benefits administration, insurance brokerage services, mortgage services, and financial planning through subsidiaries such as Personal Insurance & Reinsurance Brokers, Personal Group Benefits, Personal Assurance, and Personal Assurance Financial Services. Clients include Game Stores, Universal Music, and Marston's. In 2005 Personal Group Holdings bought Berkeley Morgan Group, an insurance and finance advising company.

Great Eastern Holdings Limited holds quite a few insurance companies in the far east, and they all want to be great. The company, through its subsidiaries, has operations in Singapore and Malaysia, where it is the largest and oldest insurer, as well as in Brunei, Indonesia, China (via joint venture), and Vietnam. It offers asset management, investment holding, management services, life insurance (through Great Eastern Life Assurance), and other financial services. Great Eastern Holdings' 20,000 dedicated agents sell its products; representatives at major banks also offer its wares. Great Eastern Holdings Limited company, which was incorporated in 1908, is owned by Oversea-Chinese Banking Corp.

Veterinary Pet Insurance (VPI) is one of the oldest and largest providers of medical insurance for dogs, cats, birds, and exotic pets, covering about 475,000 pets in all 50 states and the District of Columbia. Policies cover illnesses, accidents, medical conditions, vaccines, and routine care, with an optional wellness plan. The company was founded in 1980 with the goals of ending economic euthanasia and making veterinary services affordable for all pet owners. VPI is part of Nationwide Mutual Insurance Company.

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