Argo Group International Holdings provides specialty property/casualty insurance and reinsurance products in the US and Europe. Argo Group operates seven subsidiaries which focus on four well-defined markets: excess and surplus (the riskier stuff no one else likes to insure like day care centers and contractors), industry-specific insurance (catering to such niches as mining, dry cleaners, public entities, and grocers), international property and liability coverage, and reinsurance. The company markets and distributes its products through independent agents and brokers.

Arrowpoint Capital Corp. was a subsidiary of UK-based insurer Royal & Sun Alliance, but suffered from relentless trimmings when its business was deemed to be noncore. The business was eventually acquired by a group of its management and outside directors. Renamed Arrowpoint Capital, it operates through its Royal Indemnity, Royal Surplus Lines Insurance, and Security Insurance Company of Hartford subsidiaries. The company continues to offer individual and commercial property/casualty coverage under the Royal Care brand.

Through subsidiaries that include Aspen Re, Aspen Bermuda, Aspen UK, and Aspen Specialty, Aspen Insurance Holdings Limited provides property/casualty insurance, specialty insurance, and reinsurance to customers around the world. Its property/casualty reinsurance lines are offered in global markets, as are its specialty insurance products, which include marine, energy and liability, aviation, and specialty reinsurance. Aspen offers commercial property/casualty insurance primarily in the US and UK domestic markets.

Through its three operating subsidiaries, AssuranceAmerica Corporation writes and markets nonstandard (high-risk) auto insurance to customers in 10 southeastern states. Its AssuranceAmerica Insurance subsidiary writes the policies, while its Managing General Agency markets the products and provides services through a network of 2,500 independent agencies. Its TrustWay Insurance Agencies operates retail agencies in Florida, Alabama, and Georgia, which sell nonstandard auto insurance underwritten by AssuranceAmerica and other unaffiliated carriers.

Atrium Underwriters, a Lloyd's of London insurer and reinsurer also provides insurance for cargo, art, and against acts of terrorism. Its Atrium Underwriters Limited subsidiary manages two Lloyd's syndicates -- Syndicate 570 (property & casualty insurance and reinsurance, accident & health, and professional liability) and Syndicate 609 (energy, marine and aviation risks, non-marine property, war, and more). The company provides its services throughout the UK using a direct sales force.

Austin Mutual Insurance sells personal and commercial property/casualty insurance. Products include automobile, homeowners, farmowners, and mobile home and other dwellings coverage. Other offerings include businessowners coverage, commercial and personal umbrella liability, and workers' compensation. The company does business in Arizona, Idaho, Minnesota, Montana, Oregon, South Dakota, Utah, Washington, and Wisconsin. Its policies are distributed through a network of independent insurance agents. Austin Mutual Insurance was founded in 1896 as the Farmers United Township Mutual Hail Association of Minnesota to provide crop insurance.

Avemco Insurance company provides personal aircraft coverage and other property/casualty coverage for pilots, student pilots, aircraft owners, hangar owners, and others in the aviation industry. Products include construction, medical stop-loss, and coverage of rented and borrowed aircraft; it also sponsors term life insurance policies. The company is licensed to do business throughout the US. Avemco Insurance was founded in 1961 and acquired by specialty insurer HCC Insurance Holdings in 1997.

AXA UK helps to insure assets and assure wealth protection. The company provides insurance and other financial products and services throughout the UK. Its offerings include property/casualty, life, travel, and health insurance, as well as asset management and financial planning products. AXA UK sells these products through subsidiaries including AXA Insurance UK (general personal and commercial insurance), AXA Sun Life (investments and pensions), AXA PPP healthcare (health insurance), and AXA Ireland (primarily auto insurance). French firm AXA, one of Europe's largest insurance companies, owns AXA UK.

Comprised of Axis Insurance and Axis Re, AXIS Capital Holdings offers specialty insurance and treaty reinsurance. Its specialty coverage includes terrorism, aviation and marine war, and political risk; commercial property; professional liability; and onshore and offshore energy. AXIS Capital's reinsurance products, which allow for risk-sharing among insurance companies, include catastrophe, property, liability, credit, auto, and engineering lines. The company, which has operations in Australia, Bermuda, Canada, Ireland, Singapore, Switzerland, the UK, and the US, sells its products through brokers including Marsh, Aon, and Willis Group.

Badger Mutual Insurance company's products include automobile, homeowners, renters, umbrella, property, and general liability coverage. A network of independent agents sells Badger Mutual's products in Arizona, Idaho, Illinois, Iowa, Michigan, Minnesota, Nevada, and Wisconsin. Badger Mutual was founded in 1887 by a group of Lutherans interested in acquiring affordable property damage coverage for their churches.

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