Baltimore Life was founded in 1882 and reorganized to a mutual insurance holding company structure in 2001. Baltimore Life keeps its finger on the pulse of citizens in Baltimore and beyond. The company provides a variety of life insurance products and annuities to customers in the US. Products include term and universal life, stewardship annuities, and single premium policies. Independent and affiliated agents sell the company's policies. Licensed in 48 states and Washington, DC, the firm operates primarily in Maryland and Pennsylvania.

RTW, Inc (RTW) isn't just another look-alike provider offering workers' compensation, disability and absence management solutions. We are a company with a purpose. We attract exceptional people who desire to be the best . . . people who are honest and have unwavering ethics and integrity. We work in an environment where we support, trust, respect and listen to each other. We make and keep our promises and commitments to one another and to our customers. We are innovative, creative and passionate about the difference we make in the world. We exist to help you. That is why you need to get to know us better.At RTW, we transform people from absent or idle to present and productive. Knowing that employees are your greatest assets, we developed a proprietary process to identify potentially high-cost claims within the first forty-eight hours of an injury event. Nobody else can do this. To borrow the old cliche, knowledge is power. Putting knowledge into action, we outperform the industry, hands down. Our average claim cost is 57% better than the industry and we close claims faster, resulting in open claims that are 80% less than our competitors.

Medical Liability Mutual Insurance Company (MLMIC) is a leader in the medical malpractice insurance industry and has been meeting the professional liability needs of healthcare professionals for more than 30 years. Its mission is to provide quality professional liability insurance to physicians, dentists, hospitals, and other healthcare professionals at the lowest possible cost.

The Hartford Financial Services Group is an insurer with a range of personal and commercial life and property/casualty insurance products. Through its Hartford Life subsidiary, the company offers individual and group life insurance and annuities, as well as the financial services mentioned in its name (asset management, retirement plans, and mutual funds). Its property/casualty operations include both personal (homeowners, auto) and business coverage (workers' compensation) and specialty commercial coverage for large companies. The Hartford, in business since 1810, sells its products through about 11,000 independent agencies and more than 100,000 registered broker-dealers.

GuideOne provides personal and commercial lines of property/casualty and liability insurance, including standard auto and homeowners coverage. The company targets churches of all faiths (it insures nearly 45,000 -- nearly a fifth of the nation's churches) as well as faith-based private schools and colleges, and church-affiliated senior living facilities. GuideOne's FaithGuard products offer coverage for people who actively attend church. A network of more than 1,500 independent and company agents sell its products. GuideOne was founded in 1947.

AXA UK helps to insure assets and assure wealth protection. The company provides insurance and other financial products and services throughout the UK. Its offerings include property/casualty, life, travel, and health insurance, as well as asset management and financial planning products. AXA UK sells these products through subsidiaries including AXA Insurance UK (general personal and commercial insurance), AXA Sun Life (investments and pensions), AXA PPP healthcare (health insurance), and AXA Ireland (primarily auto insurance). French firm AXA, one of Europe's largest insurance companies, owns AXA UK.

All Risks, Ltd. was formed as an excess and surplus lines facility in 1964 in Baltimore, Maryland. While we have since expanded into additional territories and product lines over the past 40 years, our business is written exclusively through retail agents and brokers. We are independent. All Risks has been the fastest growing, and one of the largest privately held wholesale brokers in the country for over 10 years.

The Navigators Group's various subsidiaries write marine, liability, and other lines of business, primarily in the US and the UK. Its Navigators Insurance and Navigators Underwriting Agency (a Lloyd's of London agency) units write ocean and marine insurance including hull, energy, and cargo insurance, as well as property insurance for onshore energy concerns. Navigators Specialty primarily provides excess and surplus (high risk) lines and general liability coverage for contractors. The firm's subsidiaries are also involved in professional liability, especially directors and officers coverage.

Through subsidiaries in Asia, Europe, and North and South America, PartnerRe Ltd writes treaty (groups of risks) and facultative (individual risks) reinsurance for such primary coverage as property, casualty, and life insurance, as well as catastrophe, energy, marine, and other specialty insurance. PartnerRe was one of several pure-catastrophe reinsurers founded in the tax haven of Bermuda after Hurricane Andrew made reinsurance glamorous. The company provides services for customers in more than 150 countries. PartnerRe operates from about 20 offices around the globe.

jardine lloyd are an international group of Risk Specialists and Employee Benefits Consultants and one of the largest companies of its type in the world. We offer a distinctive choice to our clients and partners through our combination of independence, scale and specialism.As an independent business, we are able to operate with autonomy and flexibility. We have the scale to provide solutions to the complex demands of the world's leading companies and to deliver global servicing whilst recognising that the needs of each of our clients are unique. By developing highly specialised services, we provide our clients with a depth of expertise and experience.

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