W. R. Berkley Corporation, founded in 1967, is one of the nation’s premier commercial lines property casualty insurance providers. Each of the operating units in the Berkley group participates in a niche market requiring specialized knowledge about a territory or product. Our competitive advantage lies in our long-term strategy of decentralized operations, allowing each of our units to identify and respond quickly and effectively to changing market conditions and local customer needs. This decentralized structure provides financial accountability and incentives to local management and enables us to attract and retain the highest caliber professionals. We have the expertise and resources to utilize our strengths in the present environment, and the flexibility to anticipate, innovate and respond to whatever opportunities and challenges the future may hold.

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.

NBIS delivers premier Construction and Transport Risk Management Products and Services. Our goal is to be recognized as a market leader in Specialty Construction and Transport Insurance through customized programs with carriers, trade groups, and distribution partners.Through our special relationships with producers, affinity groups and insured’s, we partner with insurance carriers in customizing responsive risk management programs. Carriers focused on underwriting niche products through Managing General Underwriter (MGU) program administrators are attracted by our specialized expertise in Construction and Transport Industry Underwriting, our proprietary Risk Management Support System©, our ability to assume risk, and the capability of our support professionals and systems to adapt to new opportunities.

Tuscarora Wayne Insurance Company is an underwriting and claims management company with programs marketed throughout the Commonwealth of Pennsylvania and the state of Ohio.They trace our roots to a thunderstorm on Spring Hill, Pennsylvania, over a century ago. The story goes that in the early 1870's an insurance agent was traveling from farm to farm in the Spring Hill area, attempting to sell specialized farm insurance policies. He didn't sell much insurance, however after his departure some of the locals started thinking farm insurance might not be such a bad idea... read the entire history.

Torchmark Corporation, through its subsidiaries, provides individual life and supplemental health insurance products, and annuities to middle income households. It offers various life insurance products, including traditional and interest sensitive whole-life insurance, term life insurance, and other life insurance. Torchmark Corporation also provides various health insurance products, including juvenile and senior life coverage; medicare supplement; supplemental limited-benefit health insurance products that include hospital/surgical plans, cancer, and accident plans sold to individuals under age 65; and medicare supplement and medicare part D prescription drug insurance. In addition, it offers a range of annuity products comprising single-premium deferred annuities and flexible-premium deferred annuities. Torchmark Corporation sells its products through direct response, exclusive agents, and independent agents in the United States, Canada, and New Zealand. Torchmark Corporation was founded in 1900 and is based in McKinney, Texas.

Assurant's businesses provide a unique variety of products and services that assure opportunity, security and peace of mind for our customers. We provide creditor-placed homeowners insurance; manufactured housing homeowners insurance; debt protection administration; credit insurance; warranties and extended services contracts; individual health and small employer group health insurance; group dental insurance; group disability insurance; group life insurance; and pre-funded funeral insurance. Assurant's strategy is to manage a select portfolio of specialty businesses that are leaders in their markets. Assurant's U.S. headquarters office, located in New York's financial district, provides strategic management and key resources for its U.S. operating companies, including asset management, employee benefits, tax, accounting, legal and communications. Assurant also has offices in Syracuse, New York; West Des Moines, Iowa; and in Woodbury, Minnesota; which provide service support for its operating companies in such areas as information technology, financial and human resources systems management, and New York State policy administration.

The Group has expanded over the years with the acquisition of CBC UK Limited in 2003, the establishment of Besso Re Limited in 2004 and the acquisition of H. Bernstein Insurance Brokers Limited in 2006. The latter now forms part of the Besso UK division within Besso Limited. Besso Limited in turn has expanded over the years with the arrival of specialist teams, which has combined with steady growth in its traditional broking areas. The Besso Group now has staff of just under 300 people and is based in the City with headquarters in the Crescent, between the Minories and Tower Hill, with CBC UK Limited located in Mansell Street.

Atrium Underwriters, a Lloyd's of London insurer and reinsurer also provides insurance for cargo, art, and against acts of terrorism. Its Atrium Underwriters Limited subsidiary manages two Lloyd's syndicates -- Syndicate 570 (property & casualty insurance and reinsurance, accident & health, and professional liability) and Syndicate 609 (energy, marine and aviation risks, non-marine property, war, and more). The company provides its services throughout the UK using a direct sales force.

Rubin Insurance Agency provides commercial and personal insurance brokerage and risk management services. The company offers a full range of property/casualty products, including liability, workers' compensation, automobile, homeowners, and disability coverage. Rubin Insurance Agency develops niche programs for businesses including contractors, restaurants, and optometrists. It also provides whole and universal life and funeral insurance, as well as retirement planning, estate planning, and financial security analysis. Stuart Rubin founded the company in 1975.

Desjardins Financial Security Life Assurance nurtures a garden of insurance and investment products. The subsidiary of the Desjardins Group offers individual and group life and health insurance, as well as a variety of investment products and other financial services, to some 5 million Canadians. The company's products are distributed through the caisses (savings banks) that make up the Desjardins Group network; Desjardins Financial Security also sells through independent agents, brokers, and financial institutions, as well as via direct marketing (online and telephone).

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