W. R. Berkley Corporation, founded in 1967, is one of the nation’s premier commercial lines property casualty insurance providers. Each of the operating units in the Berkley group participates in a niche market requiring specialized knowledge about a territory or product. Our competitive advantage lies in our long-term strategy of decentralized operations, allowing each of our units to identify and respond quickly and effectively to changing market conditions and local customer needs. This decentralized structure provides financial accountability and incentives to local management and enables us to attract and retain the highest caliber professionals. We have the expertise and resources to utilize our strengths in the present environment, and the flexibility to anticipate, innovate and respond to whatever opportunities and challenges the future may hold.

Tennessee Farmers Insurance Companies (TFIC) provide life, auto, and homeowners insurance to folks in Tennessee, be they farmers or not. The company operates through subsidiaries such as Tennessee Farmers Mutual and Tennessee Farmers Life, and selling under the Farm Bureau Insurance brand. Products include auto liability (Tennessee Farmers Mutual is one of the largest auto insurers in the state), homeowners and farmowners coverage, personal umbrella liability, and a variety of life insurance and annuity products. TFIC sells its products through independent agents located in every county in Tennessee. The company was founded in 1948.

CSO is a mutually owned insurance company specializing in the debt protection market. Our vision is to be the leader in debt protection products by providing innovative solutions and value to its lenders, agents, customers and policyholders. They are uniquely positioned to capitalize on the dual focus of credit life and disability products and debt cancellation programs. These product offerings are marketed by business partners consisting of automobile dealerships and financial institutions. CSO's extensive network of employed sales and training professionals and general agents allow for effective and responsive servicing of its accounts.

Hiscox focuses on niche risks rarely placed by other insurers. The company also provides reinsurance and operates a Lloyd's of London syndicate. Products include personal accident, travel, and kidnapping coverage for high net-worth individuals and a variety of protection for businesses (small and medium-sized), including fine art, marine, liability, political risk, professional indemnity, and terrorism policies. Hiscox's biggest market is the US, where it has expanded its presence through acquisitions and new operations, including offering professional liability coverage to the technology, media, and telecommunications industries.

National Guardian Life was founded in 1910. National Guardian Life Insurance wants to protect its customers' financial security to the very end. National Guardian Life (also known as NGL Insurance) is a mutual insurance company specializing in senior life products including pre-need and final expense insurance as well as group dental and vision benefits, and a pharmaceutical discount program. The company is licensed in all US states (except New York) and Washington, DC, and markets its products through independent agencies and funeral directors. Its Settlers Life Insurance subsidiary markets final expense products through agents in more than 25 states.

Standard Insurance is the largest member of StanCorp Financial Group's insurance division, which insures more than 7 million employees through some 30,000 employer group policies. It is licensed in 49 states and Washington, DC; sister firm Standard Life Insurance Company of New York covers the New York territory. Standard Insurance hopes to set the standard for life and disability insurance providers everywhere. Standard Insurance underwrites group and individual insurance products (branded as The Standard), including short-term and long-term disability, life, and accident insurance. Standard Insurance company also offers dental and vision benefits, retirement plans, and annuities, as well as benefits management services.

Prudential Financial, Inc., through its subsidiaries, provides various financial products and services in the United States, Asia, Europe, and Latin America. The company operates through three divisions: The U.S. Retirement Solutions and Investment Management, The U.S. Individual Life and Group Insurance, and The International Insurance and Investments. The U.S. Retirement Solutions and Investment Management division offers individual variable and fixed annuity products, as well as provides retirement investment and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors. This division also provides investment management and advisory services to the public and private marketplace. The U.S. Individual Life and Group Insurance division provides individual variable life, term life, and universal life insurance products; and group life, long-term and short-term group disability, long-term care, and group corporate-owned and trust-owned life insurance products to institutional clients. It also sells accidental death and dismemberment, and other ancillary coverages, as well as provides plan administrative services. In addition, this division offers preferred provider and indemnity dental coverage plans to clients. The International Insurance and Investments division provides international individual life insurance products in Japan, Korea, and other foreign countries; and provides proprietary and non-proprietary asset management and investment advice and services to retail and institutional clients internationally. In addition, the company engages in real estate brokerage franchise business, which involves marketing its franchises to the real estate companies. Further, it provides institutional clients and government agencies with various services in connection with the relocation of their employees. Prudential Financial was founded in 1875 and is headquartered in Newark, New Jersey.

In the 17th Century London's importance as a trade centre led to an increasing demand for ship and cargo insurance.Lloyd's coffee house became recognised as the place for obtaining marine insurance. From its first beginnings in Edward Lloyd’s Coffee House in 1688, Lloyd’s has been a pioneer in insurance. Starting with its roots in marine insurance, Lloyd’s has grown over 300 years to become the world’s leading market for specialist From 17th century shipping and Lord Nelson’s victory at the Battle of Trafalgar, through the devastation of the San Francisco earthquake in 1906, and on to the emergence of space satellite technology in the late 20th century, the story of Lloyd’s is both a long and an interesting one.

Symetra Financial Corporation, together with its subsidiaries, operates as a financial services company in the life insurance industry in the United States. The company’s Group segment offers medical stop-loss insurance, limited benefit medical plans, group life insurance, accidental death and dismemberment insurance, and disability income insurance to employer groups ranging from 50 to 5,000 individuals. This segment also offers managing general underwriting services. Its Retirement Services segment offers fixed and variable deferred annuities, including tax sheltered annuities, individual retirement accounts, and group annuities to qualified retirement plans. Symetra Financial Corporation’s Income Annuities segment offers single premium immediate annuities to customers seeking a reliable source of retirement income; and structured settlement annuities to fund third party personal injury settlements. This segment also offers funding services options to existing structured settlement clients. Its Individual segment offers a range of term and universal life insurance, as well as bank-owned life insurance products. Symetra Financial Corporation distributes its products through financial institutions, employee benefits brokers, third party administrators, specialty brokers, independent agents, and advisors. Symetra Financial Corporation company was founded in 1957 and is headquartered in Bellevue, Washington.

Farmers Mutual Hail has been providing peace of mind for Midwest Farmers and their families since 1893. Our customers have come to rely on our strong tradition of excellent claims service and unmatched financial security.FMH provides crop insurance in 15 Midwestern states, and maintains a Reinsurance Department for accepting risks from both domestic and international insurance companies. For security and peace of mind in the heartland, look to the cloud of Farmers Mutual Hail.

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