Founded in 1905, Lafayette Life was acquired by Cincinnati-based Western & Southern Financial Group in 2005. Lafayette Life Insurance Company may have the name of a Frenchman, but its business is all American. Licensed throughout most of the US, the Lafayette Life Insurance company sells individual life insurance and annuities, as well as group annuities and retirement services. Its qualified markets division helps small businesses administer their retirement plans, including defined benefit and defined contribution plans. The Lafayette Life Insurance company quit writing group life and disability insurance in 2008 to focus on its core operations.

Federated Insurance is a mutual firm with a clear focus. The company provides multiple lines of business insurance coverage and risk management to employers in automotive repair and sales, building construction, printers, funeral homes, and jewelers, among others. Its products and services include workers' compensation, automotive, group life and health, and retirement planning. Federated Insurance markets its products both directly and through an independent sales force in 48 states and Washington, DC. It maintains offices in eight states. Since its founding in 1904, the company has worked closely with trade associations to develop and endorse its insurance programs.

Doing right by employees and employers is the simple philosophy behind Nationwide Better HealthSM. We're dedicated to helping you protect your most valuable asset: the health and well-being of your employees.With the steady rise in corporate health care costs, it's a simple truth that healthier employees are more productive and less costly to insure. And the easier it is to help your employees improve their health, the better.As the first population health management company to truly integrate the best array of health and productivity services available, Nationwide Better Health can help you plan your health and absence management programs more effectively, reduce health care costs and increase productivity.

The Graham Company ranks among the top Insurance Brokers in the United States. From construction and manufacturing to longshore operations, hospitals and more, we provide a full spectrum of property & casualty products, and surety bonds at competitive rates, for high-risk businesses. Additionally, we provide a broad array of employee benefits solutions that can be tailored to meet the needs of businesses in virtually any industry.While many agencies our size have 2,500 accounts, we focus our attention on fewer than 200 clients. That allows us to gain a deeper understanding of the risks associated with each client's operations and tailor-fit insurance programs to best meet their needs.

JCM Partners owns about 45 properties, including apartment communities (containing a total of about 5,000 units), one multi-tenant office/retail property, office properties, and industrial properties. Nearly half of JCM Partners' residential properties are located in Sacramento County; the remainder are in San Joaquin, Solano, Stanislaus, and Contra Costa counties. JCM runs Rent-One.com -- an online apartment rental guide.

Allianz Worldwide Care is there for travelers feeling under the weather in exotic climes. The subsidiary of Allianz provides health insurance for expatriates and their dependents throughout the world. Operating 24-hour help-lines in English, French, German, Italian, and Spanish, Allianz Worldwide Care provides emergency medical assistance and direct settlement with health care providers for inpatient treatment. The company also helps clients locate the nearest hospital and specialist. For those who need to be abroad temporarily, Allianz Worldwide Care provides health-insurance plans lasting between 90 and 300 days.

The Hanover Insurance Group acquired Professionals Direct Insurance Company, whose top talent possess over 20 years of experience writing professional liability insurance for small and mid-sized law firms. Our experienced team of customer support staff, underwriters, legal and claims professionals are all seasoned experts who fully understand complex risks lawyers face. Working in partnership with your agent, we can create a comprehensive insurance program that provides you with the right protection and a very competitive price.

Radian Group is glowing from a conflagration of private mortgage insurance claims. Through subsidiaries Radian Guaranty, Amerin Guaranty, and Radian Insurance, Radian Group provides traditional private mortgage insurance coverage to protect lenders from defaults by borrowers who put down a deposit of less than 20% when buying a home. Such coverage provides protection on individual loans and covers unpaid loan principal and delinquent interest. Its pool insurance covers limited exposure on groups of loans. Radian still insures municipal bonds through its financial guaranty business, but is winding down that business. Radian Group's customers include mortgage bankers, commercial banks, and savings institutions.

Stewart Information Services is happy to have a place in that mountain of papers you sign when buying real estate. The company writes title insurance through its Stewart Title, National Title, and other subsidiaries and distributes policies through more than 8,500 offices and independent agencies in the US and abroad. Unlike most insurance that covers future events or losses, title insurance protects lenders and buyers against past problems with titles. The company also provides real estate information services through its PropertyInfo subsidiary while its Stewart Lender Services offers a variety of mortgage origination process services such as credit reports, property valuations, and tax services.

The nature of risk is increasingly complex and constantly changing. Some risk management challenges are obvious. Others less so, mostly due to events beyond your control or that have yet to be contemplated. Add the scrutiny of regulators, ratings agencies and other stakeholders, and the hurdles are even higher. With your capital at stake, you need a risk and reinsurance advisor with a track record of visionary ideas and delivering on its promises.

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