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.

Zurich in North America is a part of Zurich Financial Services Group (Zurich), an insurance-based financial services provider with a global network of subsidiaries and offices in North America and Europe as well as in Asia Pacific, Latin America and other markets. Founded in 1872, the Group is headquartered in Zurich, Switzerland and employs approximately 60,000 people serving customers in more than 180 countries, including more than 9,500 employees in North America.

At AmWINS, we’re all about finding a better way. That’s why we’ve created a culture in which we continually challenge each other to maintain a clear vision, seek new solutions, utilize the newest technology and offer superior responsiveness.With seasoned personnel, broad market relationships and deep knowledge of our specific industry niches, we can help you structure the right solutions for your clients. We are dedicated to supporting the efforts of retail agents and brokers, giving you the freedom and flexibility to take advantage of our wholesale insurance expertise and market clout. A strong and cohesive company with resources stretching from coast to coast, we also value a very personal approach to business and still operate in an entrepreneurial spirit – allowing our brokers to continue to grow and provide leading-edge solutions to our retail clients.

If AEGON USA was an Argonaut, its quest would be to conquer the US insurance market. AEGON USA, LLC company, a subsidiary of Dutch insurance giant AEGON that operates under the AEGON Americas moniker, provides life insurance and accident and health insurance (such as cancer and long-term care policies) to some 30 million customers throughout the US. Its products include traditional whole life, universal life, variable universal life, and term life insurance for individuals and groups. AEGON USA also offers annuity and investment products, such as mutual funds, as well as asset management services. Subsidiaries include Monumental Life, Transamerica Life, and Western Reserve Life.

Phoenix Group Holdings has a Premium Listing on the London Stock Exchange and is a member of the FTSE 250 index. The Group is a closed life assurance fund consolidator that specialises in the management and acquisition of closed life and pension funds, and operates primarily in the United Kingdom. Measured by total assets, the Group is the largest UK consolidator of closed life assurance funds. The Group has around 6.5 million1 policyholders and assets of £69 billion1. The Group has two core business segments: life assurance (including its management services operations) which is referred to as 'Phoenix Life', and asset management which is referred to as 'Ignis Asset Management'. The Group has eight operating life companies which hold policyholder assets.

United Property & Casualty Insurance Company ("UPC") is a Florida domiciled Property & Casualty stock insurance company located in St. Petersburg, Florida. UPC is a wholly owned subsidiary of United Insurance Holdings, L.C. whose parent company is United Insurance Holdings Corp., a publicly traded company. UPC's operations are administered by United Insurance Management, L.C., as Managing General Agent.

Jackson National Life Distributors (JNLD) offers the retail variable, fixed, and equity-indexed annuity and life insurance products of its parent Jackson National Life Insurance Company's to financial institutions, independent securities brokers, and independent agents. Its operations are divided into Registered wholesalers, who focus on selling variable annuities to securities brokers, and Guaranteed wholesalers, who market fixed annuities and traditional life insurance. JNLD's Seminar Systems offer training programs for financial advisers while its Wealth Strategies unit helps agents advise their clients on wealth management and retirement planning.

Lancashire Holdings Limited property insurance and reinsurance operations (nearly half of sales) insure damage to residential, commercial, manufacturing, government, and other structures. Its energy segment specializes in worldwide offshore property damage, business interruption, and construction insurance to the upstream and downstream energy industries. Lancashire also offers marine, aviation, terrorism, and political risk (including war) coverage. The company -- which relies on brokers to sell its products in more than 30 countries around the world -- has underwriting offices in Bermuda and London, and a marketing office in Dubai.

Royal Neighbors of America is not referring to Canadians. The company, a not-for-profit fraternal benefit society established in 1895, is all-American. Formed to offer affordable life insurance to US women, who were largely excluded from the life insurance market of the time, today Royal Neighbors sells traditional life insurance products and annuities to both men and women. Its 250,000 policyholders benefit from a number of other membership privileges, including scholarship opportunities and fraternal aid in the wake of illness or disaster. In addition to life insurance, the organization sells Medicare supplemental insurance.

Service Life and Casualty Insurance, which does business as Service Group, is driven in more ways than one. The company offers credit and gap loss insurance to consumers through automotive dealers in Arizona, Colorado, Louisiana, New Mexico, and Texas. Through sister firm Service Lloyds Insurance, the company also provides workers' compensation coverage to auto dealers in Texas. It issues vehicle service contracts through an affiliation with warranty provider United Service Protection. Service Life and Casualty writes and sells products directly and through a network of independent agents and managing general agents. The Service Group companies are controlled by the founding Gray family.

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