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.

Swiss Life Holding Ltd provides life and health insurance products to groups and individuals and pension systems to multinational corporations. It markets to its individual and group customers, located in a handful of western European countries, through its own agents and a network of independent agents and banking partners. It sets up customized employee benefit programs for multinationals through the Swiss Life Network, an association of local insurers, some of them owned by Swiss life, some of them independent. The firm also does business in asset management and private banking. Though it has pared down its operations and ambitions considerably, Swiss Life Holding is still Switzerland's leading life insurer.

Affirmative Insurance Holdings, through its subsidiaries, writes and sells non-standard auto insurance policies -- that is, coverage for drivers in high-risk categories due to their age, driving records, and other factors -- in 10 states. It markets its own policies, as well as non-standard coverage from other insurers, through some 200 company-owned retail locations (including A-Affordable, Driver's Choice, InsureOne, and USAgencies stores) and through independent and unaffiliated agents. Investment firm J.C. Flowers controls more than half of the company.

If you are one of the 15 million customers who do business with independent agents because of the counsel and choice they provide, you need to know about Deerbrook Insurance Company. Deerbrook is totally dedicated to customers who prefer an independent insurance advisor to help with insurance needs. At Deerbrook, we have the background and experience to help meet your auto insurance needs. Deerbrook has been built upon the cornerstones of reliable protection and superior service. This is how we build strong relationships that provide you with quality coverage and peace of mind.

Self-Insured Schools of California (SISC) is an insurance society and risk management organization that pools the resources of various school districts in California to purchase health, workers' compensation, and other property/casualty insurance for school district employees and facilities. All board members are school district employees, as are the organization's administrative personnel. More than 365 educational agencies are members of the group, which utilizes such providers as Blue Cross of California, CIGNA, Kaiser Permanente, and Delta Dental. SISC is managed by the Kern County Superintendent of Schools Office.

White Mountains Insurance Group, Ltd., through its subsidiaries, operates property and casualty insurance, and reinsurance businesses. The company’s OneBeacon segment offers specialty line products, including specialty liability products, marine insurance, tuition reimbursement, professional liability, collector car and boat, and accident and health products; commercial line products, such as multi-peril, auto, workers compensation, general liability, umbrella, property, and inland marine products to small and middle market businesses; and personal insurance products, including homeowners, personal auto, and combination insurance policies. This segment offers its products through a network of independent agents, regional and national brokers, and wholesalers. Its White Mountains Re segment provides reinsurance coverage for property, casualty, accident and health, agriculture, aviation and space, and other exposures, as well as reinsurance advisory services, specializing primarily in property and other short-tailed lines of reinsurance. The company’s Esurance segment writes personal auto insurance through its Website and through select online agents. It offers its products and services in the United States, Europe, Canada, the Caribbean, Latin America, and Asia. White Mountains Insurance Group, Ltd. was founded in 1980 and is headquartered in Hamilton, Bermuda.

Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, offers property and casualty insurance products to small businesses and individuals in New York. The company was formerly known as DCAP Group, Inc. and changed its name to Kingstone Companies, Inc. in July 2009. Kingstone Companies was founded in 1961 and is based in Hewlett, New York.

Answer Financial offers shoppers the opportunity to compare quotes and purchase auto or home insurance policies from top companies through its award-winning Web site or through its sales center staffed by licensed insurance professionals. Answer Financial is one of the largest online personal insurance agencies in the U.S., with over 324,000 policies in force as of July 2010 Insurance shoppers in all 50 states can compare insurance quotes from up to 15 top-rated companies Products offered through Answer Financial include: auto insurance, homeowners/renters/condo insurance, RV insurance, & personal watercraft insurance

Quincy Mutual Fire Insurance, along with subsidiary Patrons Oxford Insurance (which operates only in Maine), provides personal and commercial property/casualty coverage to more than 300,000 policyholders throughout New England. Products include auto, homeowners, specialty dwelling, workers' compensation, commercial umbrella, and business owners insurance. The company sells its products through some 500 independent agents in Connecticut, Maine, Massachusetts, New Jersey, New York, and Rhode Island. Quincy Mutual Fire Insurance was founded in 1851.

Risk management issues can force an organization’s focus to shift away from its core business. In today’s world, the threats of a constantly evolving global marketplace are rapidly growing in scope and magnitude. The reality is that risk management concerns build anxiety in companies.Unmanaged risk will blindside, steal resources, diminish profits, and keep skilled managers laboring in areas outside their expertise. It’s a recipe for executive insomnia.

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