Jelf is a leading independent consultancy supporting businesses and individuals with expert advice on matters relating to insurance, healthcare, employee benefits and financial planning.When Chris Jelf founded the Group in 1989, he had a two-fold vision: to build long-lasting, trusted relationships with clients and to provide them with expert advice – a business model which remains fundamental to how we operate today.

Sometimes you can have too much of a good thing. In the case of health plan information overload, Verisk Health (formerly Urix) can help share some of your burden. The firm provides health care data management, consulting, and analysis for self-insured employers and others. The company utilizes a series of software tools to help clients control health care costs, process claims, and avoid risk. Other clients include insurance providers, managed care groups, government entities, and reinsurance companies. Services include data warehousing, expense forecasting, and actuarial, statistical, and financial analysis. Verisk Health is a division of Insurance Services Office, itself a unit of Verisk Analytics.

CSO is a mutually owned insurance company specializing in the debt protection market. Our vision is to be the leader in debt protection products by providing innovative solutions and value to its lenders, agents, customers and policyholders. They are uniquely positioned to capitalize on the dual focus of credit life and disability products and debt cancellation programs. These product offerings are marketed by business partners consisting of automobile dealerships and financial institutions. CSO's extensive network of employed sales and training professionals and general agents allow for effective and responsive servicing of its accounts.

One part of the Faraday Group, Faraday Holdings is the parent company of Faraday Underwriting, which in turn is the manager of the Faraday Syndicate 435 at Lloyd's. Funding for the syndicate (to the tune of $575 million in 2004) is provided by another subsidiary, Faraday Capital. Berkshire Hathaway acquired the syndicate in 1999 and Faraday Holdings is now a subsidiary of Berkshire's General Re. The company provides risk management underwriting through three primary teams: property, casualty, and aviation. The Faraday Group also includes Faraday Reinsurance, a separate unit of General Re.

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.

CUNA Mutual knows a thing or two about credit unions, having served them and their members since 1935. The company provides insurance (such as credit insurance and health benefit packages) for the credit unions themselves, as well as consumer products like homeowners and crop insurance that the institutions can offer to their members. Participants in CUNA Mutual's MemberCONNECT program, for instance, can offer auto and homeowners insurance provided jointly by CUNA and its partner Liberty Mutual. CUNA also provides credit unions with software and marketing support for bringing in new members and advisory services for growing their investments. It operates throughout the US and in some foreign markets.

American Safety Insurance Holdings (ASI) was part of the first wave of insurance firms domiciling in this tax-sheltered location. Formed to offer insurance to asbestos removers and other environmental risk-remediation providers, the company has expanded into other specialty lines. American Safety Insurance now underwrites residential and commercial construction risks, as well as professional and product liability, and excess and surplus policies. The company also offers alternative risk transfer programs that rely on some measure of self-insurance or shared risk on the part of the insured. The firm sells through a network of 250 agencies in the US.

Transatlantic Holdings, Inc. (TRH) is a leading international reinsurance organization headquartered in New York, with operations worldwide. TRH’s subsidiaries, Transatlantic Reinsurance Company® (TRC), Trans Re Zurich Reinsurance Company Ltd (TRZ) and Putnam Reinsurance Company (Putnam), offer reinsurance capacity on both a treaty and facultative basis -- structuring programs for a full range of property and casualty products, with an emphasis on specialty risks.

As one of the largest marketers of employee benefits in the United States, we offer the product diversity and security you seek in a benefits provider. Our core business is focused on small to mid-size employer groups. Assurant Employee Benefits offers the strength and stability you can count on and is a national leader in all product lines based on number of contracts in force.* We are a part of Assurant Inc., a Fortune 500 company and a member of the S&P 500 Index. Assurant Employee Benefits has offices nationwide and is headquartered in Kansas City, Missouri. We are a customer-driven, service-oriented organization committed to providing its customers with the quality products and services they've come to expect.

Liberty International Underwriters (LIU)™, a division of Liberty Mutual Group, was formed in 1999 as a global specialty lines business with an emphasis on niche insurance products distributed through the independent broker network.With offices in Atlanta, Boston, Chicago, Dallas, Houston, Los Angeles, New York, Miami, San Juan, Seattle, San Francisco, Toronto, Calgary, Montreal, Vancouver, Dublin, London, Bristol, Manchester, Paris, Madrid, Cologne, Dubai, Zurich, Amsterdam, Hong Kong, Brisbane, Melbourne, Sydney and Singapore, LIU is a major focal point for specialized coverage of complex risks for Liberty Mutual.

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