United Fire & Casualty Company, together with its subsidiaries, engages in writing property, casualty, and life insurance; and selling annuities in the United States. Its commercial insurance product line comprises fire and allied lines, other liability, automobile, workers’ compensation, fidelity and surety, and miscellaneous products. The company’s personal insurance product line includes fire and allied lines, including homeowners; and automobile insurance. Its life insurance products comprise single premium annuities, universal life products, and traditional life products; and term and whole life insurance products. The company markets its products through independent agents. United Fire & Casualty Company was founded in 1946 and is headquartered in Cedar Rapids, Iowa.

In 1935, George Petersen was the founding partner of the agency that still bears his name—and which still upholds his ideals of intensely focused customer service and cultivation of long-term relationships. Founded in Eureka, California and gradually branching out through the entire north coast, the agency today offers comprehensive insurance services from seven offices.As one of the largest independently owned brokerage firms in Northern California, we enjoy the kind of access to markets that brings tremendous value to clients. That translates into competitive pricing, but just as important is our value as a trusted resource for our clients.

Founded in 1912 and headquartered in Lansing, Mich., Accident Fund Insurance Company of America has always been the No. 1 provider of workers compensation insurance in Michigan. Since we began our national expansion in 2000, we have become a formidable competitor on the national level. We are licensed to provide workers compensation coverage in 49 states and the District of Columbia.

PICO Holdings, Inc., together with its subsidiaries, engages in the ownership and development of water resources and water storage operations in the southwestern United States and Europe. It identifies end users, such as water utilities, municipalities, or developers who require water and develops new sources of water for municipal and industrial usage, as well as constructs and develops water storage infrastructure to facilitate the allocation of available water supplies. The company also develops and sells real estate, and water and geothermal rights; and leases properties for grazing and agricultural uses. In addition, it acquires and develops residential lots, primarily in California. Further, PICO Holdings engages in the acquisition and financing of businesses. PICO Holdings, Inc. was founded in 1981 and is based in La Jolla, California.

Workmen's Auto Insurance Company has been steering drivers in the right direction since 1949. Now in our 60th year of business, the Company continues an established tradition of customer satisfaction, technological innovation, and financial stability. Workmen's is headquartered in Los Angeles, California and is licensed in 23 states and active in 10, from Washington to Florida. We provide personal lines automobile insurance distributed through independent agents in those states, as well as offer homeowners and renters products in California!

Ageas SA/NV (formerly known as Fortis SA/NV) stoically defends its fortress of insurance offerings, though its financial service ramparts have been pillaged. ageas SA/NV provides life, health, and property/casualty insurance in Belgium and other European and Asian countries. Laid low by high debt and the contraction of credit markets in 2008, the firm received a hefty bailout from the Benelux governments. The then-Fortis sold its Dutch units to the Netherlands government and its remaining bank operations to BNP Paribas. In 2010, Fortis underwent a rebranding effort and changed its name to Ageas.

Reliance Standard Life Insurance Company (Reliance Standard) is a leading insurance carrier specializing in innovative and flexible employee benefits solutions including disability income and group term life insurance, a suite of voluntary (employee paid) coverage options and fully integrated absence management. Reliance Standard markets these solutions through independent brokers and agents to employers of all sizes. Rated A (Excellent) by A.M. Best*, Reliance Standard began its centennial year in 2006. Reliance Standard Life Insurance Company provides insurance products and services in all states (except New York), the District of Columbia, Puerto Rico and the U.S. Virgin Islands. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, home office: New York, N.Y. Product availability and features may vary by state. It distributes its products through independent agents and brokers.

Since its predecessor was founded as Columbus Mutual in 1906, Columbus Life Insurance Company has consistently grown and prospered for 100 years. Today, we have more than 2,000 financial service representatives marketing our insurance products and services, supported by a diverse and talented home office team of insurance professionals.At Columbus Life we believe that we best serve our policyowners through continued support of our financial service representatives. We believe that if they are treated as we would want to be treated, they will market the Company's products and services with greater enthusiasm. More importantly, a strong and friendly relationship with the field representatives will encourage them to develop a long-term relationship with their clients and Columbus Life.

Sterling National Corporation is a leading provider of lender placed hazard insurance tracking and outsourcing services, voluntary insurance products, property tax software and services, and customer experience solutions. Nationwide, we serve lenders, mortgage servicing organizations, financial institutions, and homebuilders as well as their end customers. Headquartered in Atlanta, Georgia, Sterling National has more than 1,400 employees in nine offices across the country including California, North Carolina, Florida, Iowa, Nebraska, and Texas.

Penn-America Group® offers property and casualty products designed for small commercial businesses through a select network of wholesale general agents empowered with specific binding authority. Its insurance companies hold admitted licenses and surplus lines qualifications in all 50 states and D.C. and maintain A.M. Best "A" (Excellent) XI ratings.Penn-America's insureds are small businesses that have limited access to larger standard lines insurers and must seek insurance in the “excess and surplus lines” market because of their rural locations, small premium size and non-standard risk characteristics. In this secondary market Penn-America is rewarded with higher prices than the standard lines segment, more flexibility in excluding coverage for specific loss exposures and lower premium taxes and state guaranty-fund assessments.

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