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Unitrin, Inc., through its subsidiaries, engages in the property and casualty insurance, life and health insurance, and automobile finance businesses primarily in the United States. The company offers automobile, homeowners, fire, and various other types of property and casualty insurance to individuals; and commercial automobile insurance to businesses. It also provides preferred and standard risk automobile and homeowners insurance, as well as nonstandard personal and commercial automobile insurance. In addition, the company sells automobile and homeowners insurance through employer-sponsored voluntary benefit programs. Further, it offers homeowners and renters insurance directly to consumers. The company also involves in reinsurance services; and financing of used automobiles through the purchase of retail installment contracts from automobile dealers. It provides automobile insurance primarily through direct mail and Web insurance portals. The company was founded in 1990 and is based in Chicago, Illinois.

Universal Insurance Holdings, Inc., through its subsidiaries, operates as an insurance company. It performs various aspects of insurance underwriting, distribution, and claims processing. The company’s primary product is homeowners’ insurance. As of December 31, 2009, it serviced approximately 531,000 policies with coverage for wind risks and 10,000 policies without wind risks. It markets and distributes its products and services through a network of independent agents. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings was founded in 1990 and is headquartered in Fort Lauderdale, Florida.

The mutual insurance company serves 7.7 million member customers, primarily military personnel, military retirees, and their families. Its products and services include property/casualty and life insurance, banking, discount brokerage, and investment management. It offers such specialty products as life insurance for soldiers deployed in war zones and financial planning services to invest hazardous duty pay. USAA relies largely on direct marketing to sell its products, reaching clients via the telephone and Internet. The company's USAA Alliance Services unit provides discount shopping (floral, jewelry, and safety items), and travel and delivery services to its members.

Validus Holdings, Ltd., through its subsidiaries, provides reinsurance and insurance coverage in the property, marine, and specialty lines markets worldwide. The company underwrites property catastrophe reinsurance, property per risk reinsurance, and property pro rata reinsurance; and insurance and reinsurance on marine risks covering damage to or losses of marine vessels or cargo, yachts and marinas, third-party liability for marine accidents, and physical loss and liability from offshore energy properties. It also underwrites reinsurance on other lines of business, including aerospace, terrorism, life and accident, and health and workers’ compensation catastrophe. In addition, Validus Holdings underwrites short-tail insurance and reinsurance contracts; and specialty insurance products consisting of war (which comprises marine and aviation war, political risks, and political violence), financial institutions, contingency, bloodstock and livestock, accident and health, airlines, and aviation treaty. The company offers its products primarily in the United States, Europe, Latin America and the Caribbean, Japan, and Canada. Validus Holdings, Ltd. was founded in 2005 and is based in Hamilton, Bermuda.

Vermont Mutual Insurance Group sells commercial and personal property/casualty insurance -- including automobile, businessowners, homeowners, inland marine, and umbrella coverage -- to clients in the northeastern US. The group consists of three companies: Granite Mutual, Northern Security, and Vermont Mutual Insurance. The companies operate in Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont. A network of independent agents markets the group's products. One of the oldest American mutual insurance firms, Vermont Mutual Insurance Group traces its roots back to 1828 when it was established as a fire insurance company.

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