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Optimum General provides property/casualty insurance to both individuals and commercial entities in Canada. Lines offered include personal automobile, homeowners, corporate property, and commercial liability coverage. Products are underwritten through subsidiaries that include Optimum West Insurance, Optimum Insurance Company, and Optimum Farm Insurance. The insurance lines are distributed through a network of some 500 independent brokers. Optimum General's parent company, the Optimum Group, also deals in financial services, life insurance, and real estate management.

Oregon Mutual Insurance operates within and outside of the Oregon territory. The company provides personal and commercial property/casualty insurance coverage to customers in California, Idaho, Nevada, Oregon, and Washington, partially through subsidiary Western Protectors Insurance. Its offerings include standard and specialty automobile, homeowners, farmowners, and liability policies. More than 550 independent agents produce and sell the company's products; it has over a dozen administrative, regional, and claims offices in operation. As a mutual insurer, the company is owned by the approximately 120,000 policyholders it insures. A group of businessmen founded Oregon Mutual Insurance in 1894.

Through subsidiaries in Asia, Europe, and North and South America, PartnerRe Ltd writes treaty (groups of risks) and facultative (individual risks) reinsurance for such primary coverage as property, casualty, and life insurance, as well as catastrophe, energy, marine, and other specialty insurance. PartnerRe was one of several pure-catastrophe reinsurers founded in the tax haven of Bermuda after Hurricane Andrew made reinsurance glamorous. The company provides services for customers in more than 150 countries. PartnerRe operates from about 20 offices around the globe.

Operating as Penn National Insurance, the company and its affiliates offer commercial and personal property/casualty insurance and surety bonds. Pennsylvania accounts for 40% of the firm's business. The company's Inservco subsidiary provides third-party claims administration and risk management services for self-insured customers. Independent agents sell the company's products. Penn National Insurance was founded by a farmers' association in 1919.

The country's leading animal health insurer, Petplan covers more than a million dogs, cats, and rabbits. Veterinary fees, death from illness or injury, boarding kennel fees, and loss by theft or straying are just some of Petplan's coverage plans. The company was established in 1976 in response to the high cost of veterinary care, and it commands a 45% market share of the UK small-animal market. Founder Patsy Bloom (who started Petplan with a £250 loan) sold the company to Allianz Insurance in 1996 for £32 million.

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