In 1993, a joint venture was created with South Staffordshire Water in response to a perceived gap in the home emergency market. Home insurers did not offer customers a complete home emergency solution. With this in mind, the HomeServe vision - to offer customers home emergency related insurance products, and give them peace of mind - was born. From selling the first plumbing and drains policy in 1994, the business has transformed into a successful, fast moving FTSE 250 company, with over 9 million emergency insurance policies sold across the UK, France, Spain and the US. Partnerships have been formed with utility, energy and insurance companies.

Wilton Re began operations in January 2005 to fill a growing need in the U.S. life reinsurance market. At that time, the number of life reinsurers had decreased materially due to consolidation and decisions by a number of primary companies to eliminate non-core life reinsurance activities. The consolidation reduced the options for risk diversification and reinsurance, and the industry was in need of fresh sources of capital and risk diversification

Erie Indemnity Company was founded in 1925 as an auto insurer, it now provides underwriting and sales and policy administration services to Erie Insurance Exchange, a reciprocal insurance exchange that pools the underwriting of several property/casualty insurance firms. Most of its revenues come from the management fees it charges the exchange, but it also writes a bit of property/casualty insurance of its own through subsidiaries. Its reach includes coverage in about a dozen eastern states and it markets its products through some 9,000 independent agents. The company is the only publicly traded part of the Erie Insurance Group, which also includes Erie Family Life Insurance.

Mercer Insurance Group offers a range of property/casualty insurance policies through subsidiaries such as Mercer Insurance Company, Mercer Insurance Company of New Jersey, Franklin Insurance, and Financial Pacific Insurance. The company focuses on commercial coverage for small to midsized businesses, including multi-peril, surety, and commercial automobile, as well as personal lines (primarily homeowners and auto coverage). Mercer Insurance Group sells its products in seven states - Arizona, California, Nevada, New Jersey, New York, Pennsylvania, and Oregon. The company has agreed to be acquired by United Fire & Casualty for about $190 million.

Arrowhead is an independent program manager providing an extensive range of insurance products nationwide. We pledge to honor our commitments to our producers and carriers by holding ourselves to the highest ethical standards. Our entrepreneurial spirit encourages opportunity and growth while our contributions to the community offer inspiration and motivation.

Combined Insurance Company of America markets and underwrites a combination of supplemental accident, disability, health, and life insurance products. Combined Insurance offers a variety of low premium, low limit accident and health products for middle-income individuals. Its Combined Worksite Solutions division markets exclusively to small businesses while its Combined Select programs offer student insurance products through colleges. Combined Insurance Company of America operates in Europe, North America, and Asia/Pacific. Overseas, Combined Insurance Company of America distributes its products through some 3,000 independent agents while in North America it uses a dedicated sales force of more than 2,000 agents. Combined Insurance is held by ACE Limited.

Markel International Limited, a subsidiary of the US-based property and casualty insurance company, Markel Corporation, writes business through two companies: Markel International Insurance Company and Markel Syndicate 3000, its Lloyd's syndicate. Markel International operates six divisions: professional risk and commercial coverage in the UK (Markel UK), marine and energy, non-marine property, professional liability, specialty property/casualty (including accident and reinsurance), and high-end livestock insurance. The company has focused on growing its business abroad, including Canada, Singapore, Spain, and Sweden.

Through subsidiaries that include Aspen Re, Aspen Bermuda, Aspen UK, and Aspen Specialty, Aspen Insurance Holdings Limited provides property/casualty insurance, specialty insurance, and reinsurance to customers around the world. Its property/casualty reinsurance lines are offered in global markets, as are its specialty insurance products, which include marine, energy and liability, aviation, and specialty reinsurance. Aspen offers commercial property/casualty insurance primarily in the US and UK domestic markets.

Despite its name, UK insurance brokerage group Windsor is not related to the Royal Family. Windsor is an insurance and reinsurance broker, focusing on specialty products including liability insurance for corporate officers and policies for professional soccer players. Its other specialty divisions include aviation, marine, equine and bloodstock, energy, pharmaceuticals, and politics, as well as coverage for high-net-worth individuals. Established in 1933, the company primarily operates through its Windsor Partners unit, which brokers policies through the Lloyd's exchange. Windsor also operates in the UK and internationally through subsidiaries Windsor Insurance Brokers and Windsor Professional Indemnity.

Penn-America Group® offers property and casualty products designed for small commercial businesses through a select network of wholesale general agents empowered with specific binding authority. Its insurance companies hold admitted licenses and surplus lines qualifications in all 50 states and D.C. and maintain A.M. Best "A" (Excellent) XI ratings.Penn-America's insureds are small businesses that have limited access to larger standard lines insurers and must seek insurance in the “excess and surplus lines” market because of their rural locations, small premium size and non-standard risk characteristics. In this secondary market Penn-America is rewarded with higher prices than the standard lines segment, more flexibility in excluding coverage for specific loss exposures and lower premium taxes and state guaranty-fund assessments.

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