Heath Lambert is a leading UK independent insurance adviser and broker with over 130 years of experience in the insurance industry. We listen to our clients, and deliver the right insurance and advisory solutions for their needs. In 1997, during what was considered to be the softest market conditions in the history of insurance, a leveraged buy-out by the management was agreed.Lambert Fenchurch, itself a product of an earlier merger between Lowndes Lambert Group plc and Fenchurch plc can trace its origin back over 160 years to the coal factoring business set up by Francis Devereux Lambert, which developed into shipping and insurance broking.

In 1993, a joint venture was created with South Staffordshire Water in response to a perceived gap in the home emergency market. Home insurers did not offer customers a complete home emergency solution. With this in mind, the HomeServe vision - to offer customers home emergency related insurance products, and give them peace of mind - was born. From selling the first plumbing and drains policy in 1994, the business has transformed into a successful, fast moving FTSE 250 company, with over 9 million emergency insurance policies sold across the UK, France, Spain and the US. Partnerships have been formed with utility, energy and insurance companies.

Employers Holdings, Inc., through its subsidiaries, operates in the commercial property and casualty insurance industry in the United States. The company provides workers’ compensation insurance to small businesses engaged in low to medium hazard industries. It distributes its products through independent local, regional, and national agents and brokers, as well as through strategic partnerships and alliances. The company is headquartered in Reno, Nevada.

AmTrust Financial Services, Inc., through its subsidiaries, operates as a multinational specialty property and casualty insurance company in the United States and internationally. The company operates in three segments: Small Commercial Business, Specialty Risk and Extended Warranty, and Specialty Middle Market Business. The Small Commercial Business segment provides workers’ compensation insurance and an array of commercial package products, including commercial property, general liability, inland marine, automobile, workers’ compensation, umbrella, and farm and ranch owners’ coverage to small businesses, such as restaurants, retail stores and strip malls, professional offices, owner or contractor of building management-operations, private schools, business traveler hotels/motels, light manufacturing, small grocery and specialty food stores, light contracting, distributors, and laundry/dry cleaners. The Specialty Risk and Extended Warranty segment serves manufacturers, service providers, retailers, and third party warranty administrators that provide coverage for accidental damage, mechanical breakdown, and related risks for consumer and commercial goods. This segment also provides coverage for products, such as personal computers, consumer electronics, consumer appliances, automobiles, cellular telephones, furniture, heavy equipment, homeowner’s latent defects warranty, hand tools, credit payment protection, gap insurance, commercial and residential properties, and legal expenses. The Specialty Middle Market Business segment underwrites worker’s compensation, package products, general liability, commercial auto liability, and other specialty commercial property and casualty insurance for retail, wholesale, service operations, artisan contracting, trucking, light and medium manufacturing, and habitational markets. The company sells its products through a network of independent wholesale agents, brokers, and retail agents. The company is based in New York, New York.

Hochheim (pronounced "Hoe Hime") Prairie Insurance provides property/casualty insurance to residents of rural Texas towns. Products include auto, homeowner, farmowner, small business, and machinery coverage, as well as insurance for hay, feed, seed, and fertilizer; water and irrigation systems; and windmills. The company sells its products through a network of some 200 independent agents across the state. Subsidiary Texana Financial provides non-insurance services. Hochheim Prairie Insurance was founded by a group of rural Texans in 1892 to help protect members from property losses due to storms and fires; it is mutually-owned by its 120,000 policyholders.

Allianz Insurance Company Guangzhou Branch represents global insurer Allianz's non-life operation in the Chinese province of Guangzhou. Allianz Guangzhou offers a variety of individual and commercial property/casualty insurance policies. Its product line includes auto, homeowners, travel, marine cargo, engineering, and liability insurance, as well as short-term health and accident policies. Allianz Guangzhou is licensed to provide insurance only within Guangdong province, with the exception of certain large-scale commercial risk offerings, which are offered nationwide.

Established in 1902 to insure doctors and dentists, Physicians Mutual now provides general and supplemental health insurance products such as cancer, dental, long-term care, and Medicare supplements to members nationwide. It offers packaged insurance products for consumers and small business employees. The company's Physicians Life Insurance subsidiary provides individual life insurance and annuity products. Physicians Mutual has a nationwide agency distribution and is boosting its online and direct marketing efforts. Although the name seems narrow, Physicians Mutual Insurance Company offers insurance to a wide range of customers.

SBLI was founded in 1907. The Savings Bank Life Insurance Company of Massachusetts! Originally selling life insurance only through savings banks, SBLI now sells a variety of life insurance products and annuities directly to consumers. Its products include term life, whole life, group life, and specialty children's life insurance, and it is the top writer of ordinary life insurance in Massachusetts. However, SBLI has expanded to sell its products in more than 35 states. While the company now sells its products directly and through independent brokers and agents, it still sells through banks and has partnership agreements with several regional banking associations.

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.

COPIC Companies comprises COPIC Insurance CCOPIC Financial Service Group, Ltd., and COPIC Medical Foundation.Together, COPIC Companies strives to be the premier diversified service organization providing for the professional liability insurance and other needs of the health care community through advocacy, through innovation and through the commitment and dedication of our employees.

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