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This ACE aims to provide a full house of insurance services. Through subsidiaries, ACE Limited sells property/casualty insurance, life insurance, and reinsurance through subsidiaries around the globe. It primarily provides property/casualty insurance to commercial and personal customers. Policies offered include general liability, homeowners, auto, accident, workers' compensation, and specialty crop and marine coverage. The company's ACE Tempest Re businesses provide reinsurance to property/casualty insurers in North America and Europe. ACE's life insurance and life reinsurance operations are focused in the US and other select markets. Products are primarily marketed through independent brokers.

ACE USA provides a comprehensive range of property/casualty, risk management, accident, disaster, professional lines, workers' compensation, and health insurance products to individuals and businesses throughout the US. It sells these through licensed insurance brokers. ACE USA has dedicated efforts to tailor its services to four specialized industries: construction, health care, energy, and public entities. It also has an arm dedicated to merger and acquisition underwriting practices.

For Acuity, A Mutual Insurance Company, keeping an eye on the prize means meeting its customers' insurance needs. The company writes a variety of personal and commercial property/casualty insurance plans for policyholders in nearly 20 states, primarily in the Midwest. Its products include automobile, homeowners, liability, marine, umbrella, and workers' compensation coverage. Acuity provides policies for such businesses as construction contractors, manufacturers, and small service businesses. Some 900 independent agents sell the company's policies. Acuity was founded in 1925 as Mutual Auto Insurance Company of the Town of Herman. As a mutual insurance firm, the company is owned by its policyholders.

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.

Once a global provider of insurance and reinsurance products and services, Alea Group faced a tough year in 2005 from which it never recovered. With catastrophes such as Hurricanes Katrina and Rita in the US and flooding in Europe greatly affecting the company, Alea decided to stop offering new property/casualty policies and divest strategic operations. Its businesses in Bermuda, the US, and Europe are either in runoff or are being sold.

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