Protecting from the multitude of dangers lurking in the water, mutual insurer North of England Protecting and Indemnity Association (NEPIA) provides marine liability insurance to some 300 members, including cargo carriers and large tanker owners. NEPIA offers protection and indemnity (P&I) insurance, freight demurrage and defense (FD&D, legal expenses), war risk coverage, and more. The company's operations are run through its wholly owned subsidiary, North Insurance Management Limited (NIML). While NEPIA operates primarily in Europe, it also has customers in Asia, the Middle East, and North America. The company maintains liaison offices in Greece, Singapore, and Hong Kong. It was founded in 1886.