Bolton & Company can make the search for risk reduction products smooth and easy. An employee-owned insurance brokerage, Bolton & Company offers property/casualty insurance policies, employee benefit programs, estate planning, surety bonding, risk management services, and human resources consulting to both corporations and individuals. It also provides claims handling and loss prevention programs. The company maintains licenses throughout the US but does most of its business in Southern California. Dorance Bolton founded the company, which is a member of brokerage consortium Assurex Global, in 1931.

ING Groep N.V., a financial services company, provides banking, investment, life insurance, and retirement services worldwide. The company offers wealth accumulation, savings, and mortgage products and services to individuals, and small-and medium-sized businesses, as well as a range of banking products through independent banking agents; and credit products through agents, brokers, and vendors. It provides current account services and payments systems, such as savings accounts, mortgage loans, consumer loans, credit card services, investment products, and life and non-life insurance products, as well as asset management services. The company also provides wealth management services to high net worth individuals. In addition, it offers various financial products, such as mutual funds, e-brokerage, payment accounts, and pensions; and lending, payments and cash management, structured finance, leasing and commercial finance, and financial markets products and services. Further, the company offers life insurance, investments, and retirement services for retail customers; a range of traditional, unit-linked, and variable annuity policies written for individual and group customers; mandatory and voluntary pension funds; fire, motor, disability, transport, and third party liability insurance for individual and commercial/group clients; and disability insurance products and complementary services for employers and self-employed professionals, such as dentists, general practitioners, and lawyers, as well as manages equity, fixed income, and structured investments for institutional investors and private label investment funds. As of December 31, 2009, ING Groep N.V. had approximately 250 retail banking branches in the Netherlands; 800 in Belgium; 430 in Poland/central Europe; and 460 in Asia. ING Groep N.V. was founded in 1991 and is based in Amsterdam, the Netherlands.

MMA is an established and financially secure UK general insurer. Our parent company MMA IARD Assurances Mutuelles was founded 180 years ago and is part of the Covéa Group; one of the leading property and liability mutuals in France with an annual turnover of €13 billion and assets of €60 billion.The MMA Group has over 3 million customers spending nearly €6 billion in premiums every year. Across Europe, MMA has over 13,000 staff and 2,000 branches.

Think of the Society of Lloyd's (dba Lloyd's of London) as a busy market where groups who have risks can meet up with groups who have money to insure risk. As the world's leading insurance exchange, Lloyd's regulates about 80 syndicates run by more than 50 managing agents. Customers include corporate underwriters and wealthy individuals transacting specialty property/casualty insurance business worth billions in premiums each year. Also part of the picture are Lloyd's brokers, who bring business to the market. Lloyd's is a top conduit for aviation and marine insurance, as well as its more specialized specialty insurance covering celebrity body parts or protecting against acts of terrorism.

Assurity Life, formed when Woodmen Accident, Assurity Life, and Lincoln Direct merged in 2003, provides group and individual life insurance, disability income protection, and annuity products, serving some 420,000 customer accounts nationwide. It also offers various critical-illness policies (which provide lump-sum payouts for a variety of conditions and diseases). A network of independent brokers as well as affiliated sales representatives (worksite distributors) market Assurity Life's products. With roots going back to 1890, Assurity Life is the primary subsidiary of Assurity Security Group.

SNS REAAL Groep has a real focus on financial services for Dutch customers, particularly retail clients and small-to-medium businesses. Through several operating units, SNS REAAL offers a wide variety of banking and insurance products in the Netherlands. The group's primary subsidiaries are SNS Bank and REAAL Verzekeringen. SNS Bank provides retail banking services online and through about 150 branch offices throughout the Netherlands. REAAL Verzekeringen offers life and general insurance to retail and business clients through independent financial advisers. In addition, the company operates about a dozen other subsidiaries offering everything from socially responsible banking to sustainable asset management.

Gen Re's history began in 1921 when two Norwegian companies, Norwegian Globe and Norwegian Assurance, merged and took the name General Casualty and Surety Reinsurance Corporation. Starting with $800,000 in capital and $900,000 in surplus, General Casualty and Surety set out to write casualty reinsurance. In 1923, American investors acquired the company and changed the name to General Reinsurance Corporation. In 1929 General Reinsurance affirmed that it would be only a direct reinsurer and also would write no less than 100% of a treaty. In 1945, General Reinsurance Corporation merged with Mellon Indemnity, bringing new capital to the company so that, in the face of foreign competition, it could become a stronger reinsurance force.

Canada Life Financial is a subsidiary of Great-West Lifeco, which is itself controlled by the Power Corporation of Canada. Canada Life Financial is the parent of Canada Life Assurance which offers both group and individual policies for life, critical illness, creditor, and disability insurance as well as reinsurance. Canada Life Assurance also provides annuities, pension plans, trusts, and other investment products, along with financial and investment management. In addition to serving customers in Canada, the company does business in Germany, Ireland, the Isle of Man, the UK, and the US.

Generali Deutschland Holding AG is controlled by Italian insurer Assicurazioni Generali and is the holding company for its German operations. For individuals and smaller commercial customers seeking insurance in Germany, Generali Deutschland (formerly AMB Generali) has them covered. Through more than 20 subsidiaries, it is one of that country's top health, life, property/casualty, and liability insurers. Its multiline companies include Aachen Munchener, Volksfursorge, and CosmosDirekt. The company also offers financial services and asset management and owns mortgage bank Deutsche Bausparkasse Badenia. Through its affiliates Generali Deutschland owns interests in building societies and real estate companies.

Union Mutual Fire Insurance Company writes property/casualty insurance for individual and small to midsized business clients throughout New England and upstate New York. Union Mutual Fire Insurance, its New England Guaranty Insurance subsidiary, and its Eastern Mutual Insurance affiliate together operate as Union Mutual of Vermont Companies. Policy lines include automobile, homeowners, marine, business owners, and workers' compensation. All products are sold through a network of independent agencies. Union Mutual Fire Insurance, a mutual insurance company owned by its shareholders, has a history dating back to 1874.

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