Enumclaw Insurance Group provides commercial and personal property/casualty insurance in four western states (Idaho, Oregon, Utah, and Washington). Through subsidiaries Mutual of Enumclaw Insurance Company and Enumclaw Property and Casualty Insurance, the company writes a variety of lines, including auto, homeowners, liability, and umbrella insurance. Enumclaw also offers specialty package policies for churches, farms, and business owners. Farmers' Mutual Insurance, the group's Washington-based predecessor, was founded in 1898.

Kingsway Financial Services Inc. provides insurance solutions to individuals and businesses in the United States. The company primarily offers non-standard automobile insurance that covers drivers who do not qualify for standard automobile insurance coverage because of their payment history, driving record, place of residence, age, vehicle type, or other factors, as well as provides commercial automobile insurance products. It distributes its products through a network of independent agents. The company was founded in 1989 and is based in Mississauga, Canada.

Securian Financial Group, Inc. was founded in 1880 and restructured as a mutual holding company in 2005. After 125 years of being in business, Minnesota Mutual felt secure enough to change its name to Securian Financial Group and serve the entire US. The company still operates through its subsidiary Minnesota Life which offers individual and group life and disability insurance and annuities, as well as retirement services. Other subsidiaries include its brokerage network, Securian Financial Services, and its Allied Solutions business which distributes Securian products. Its Advantus Capital Management provides institutional asset management. It also offers a small amount of property/casualty coverage nationwide.

The Wawanesa Mutual Insurance company, one of the largest property/casualty insurers in Canada, offers commercial and personal lines, including business, farm, homeowner, and automobile policies. It also owns a demutualized life insurer, Wawanesa Life. Wawanesa operates throughout Canada as well as in California and Oregon. The company sells its products through some 1,300 independent agents (except in Quebec where company agents handle the distribution). Wawanesa is owned by its policyholders.

American Safety Insurance Holdings (ASI) was part of the first wave of insurance firms domiciling in this tax-sheltered location. Formed to offer insurance to asbestos removers and other environmental risk-remediation providers, the company has expanded into other specialty lines. American Safety Insurance now underwrites residential and commercial construction risks, as well as professional and product liability, and excess and surplus policies. The company also offers alternative risk transfer programs that rely on some measure of self-insurance or shared risk on the part of the insured. The firm sells through a network of 250 agencies in the US.

National American Insurance Company (NAICO) provides commercial property and casualty insurance coverage targeted to the oil and gas, construction, retail, and trucking industries in Oklahoma and Texas. The company also writes property and casualty policies for Oklahoma school districts which, along with workers compensation and general liability, also cover school board legal liability. Having sold off its retail operations, NAICO relies upon a network of some 200 independent agents sell its products. Chairman and CEO Brent LaGere controls Chandler Insurance which owns NAICO.

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.

The Western and Southern Life Insurance Company was founded in 1888 and is held by diversified financial services firm Western & Southern Financial Group. Easterners and Northerners need not apply? Nah, The Western and Southern Life Insurance Company offers life insurance, critical illness insurance, annuities, investment funds, and related products in nearly half of the states in the Union (it's also licensed in about 45 states). The Western and Southern Life Insurance company and its Western-Southern Life Assurance (universal and term life and annuity products) subsidiary market their products through W&S Agency Group, its own sales force of more than 2,000 career agents.

When Allianz's eyes are smiling -- people are buying insurance. Allianz Ireland, the Irish insurance branch for worldwide insurer Allianz, offers a variety of personal property/casualty insurance offerings including home, motor, pet, travel, and pleasure craft coverage. Its business offerings include motor, commercial property, employer and public liability, and marine and aviation transit insurance products, as well as policies covering health care facilities and schools.

Credit Guarantee Insurance of Africa insures that your debtors won't leave you holding the bill. The South Africa-based insurance and reinsurance underwriting firm provides coverage products to businesses that protect them from bad debt and non-payment. Credit Guarantee Insurance of Africa also helps companies spot credit risks, both domestic and international. In business since 1956, the company is owned by insurers, banks, and financial institutions.

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