Euler Hermes has expanded organically or through acquisitions to become the world's largest credit insurer. Today the group is present in over 50 countries.After the acquisition by Euler of the German credit insurance group Hermes from Allianz in July 2002, the Euler Hermes group put in place a global harmonisation process of all its brands with a common visual identity. The current Euler Hermes group has mainly been built up by its two largest subsidiaries, Euler Hermes SFAC in France and Euler Hermes Kreditversicherung in Germany.SFAC was founded in 1927 by several large insurance companies, including Assurances Générales (a forerunner to AGF) and Swiss Reinsurance company and has hold since its beginning the no. 1 position in the French credit insurance market.

ocated in Carlsbad, California, William J. King & Associates has served local businesses with their insurance and employee benefit needs since 1972. Our success over the past 30 years has made us the number one agency in North County and among the top ten in San Diego each of the past six years. We pride ourselves on our extensive industry knowledge and creative problem solving solutions that get our clients the best plan to meet their needs; and then providing them with an unprecedented level of personal service.

Nationwide Mutual Insurance Company has offices throughout the US. The company is a leading US property/casualty insurer that also provides life insurance and retirement products through its Nationwide Financial Services subsidiary. Its property/casualty products range from general personal and commercial coverage to such specialty lines as professional liability, workers' compensation, agricultural insurance and loss-control, pet insurance, and other coverage. The company sells its products and provides services through such subsidiaries as ALLIED Group, Nationwide Agribusiness Insurance, GatesMcDonald, and Scottsdale Insurance.

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.

Allied Solutions doesn't feel the need to have a snazzy name in order to distribute insurance products to financial institutions. As the primary distributor for Securian Financial's institutional products, the company serves more than 3,700 credit unions and banks. Banking and credit union customers can then choose from Allied Solutions palette of products including accidental death, disability insurance, home warranty, overdraft protection, pet insurance, term life, and employee benefits. The company operates nationwide via some 20 regional offices. Allied Solutions also provides institutions with risk management services and assistance in remarketing repossessed vehicles and title tracking.

Bermuda: sun, sand, and reinsurance. In 1998 struggling Annuity and Life Re (Holdings) was the first life reinsurer to hang its shingle in the tax-sheltered haven of Bermuda. However, it has ceased writing new coverage and in 2008 dissolved Annuity and Life Re America, which was once the company's flagship subsidiary. Previously it covered term, whole, and universal life insurance policies.

Everest Re markets to US and international insurance companies directly and through independent brokers. Under its reinsurance arrangements, Everest Re assumes risks of policies written by other insurance companies. The company offers specialized underwriting in several areas, including property/casualty, marine, aviation, and surety, as well as medical malpractice, directors and officers liability, and professional errors and omissions liability.

EBS-RMSCO helps businesses find the benefits that fit them best. RMSCO provides a range of third party administrator (TPA) services for companies using self-funded medical, dental, disability, workers' compensation, and liability plans. Services include administering flexible spending accounts, claims settlement, risk management, and provider payments. The company serves about 3,000 clients throughout the US from its offices in New York, Vermont, and Virginia. It distributes its services through brokers and other partners. EBS-RMSCO was created by the merger of EBS Benefit Solutions and RMSCO in 2008. Excellus, also known as The Lifetime Healthcare Companies owns the company.

W. R. Berkley Corporation, founded in 1967, is one of the nation’s premier commercial lines property casualty insurance providers. Each of the operating units in the Berkley group participates in a niche market requiring specialized knowledge about a territory or product. Our competitive advantage lies in our long-term strategy of decentralized operations, allowing each of our units to identify and respond quickly and effectively to changing market conditions and local customer needs. This decentralized structure provides financial accountability and incentives to local management and enables us to attract and retain the highest caliber professionals. We have the expertise and resources to utilize our strengths in the present environment, and the flexibility to anticipate, innovate and respond to whatever opportunities and challenges the future may hold.

Chartis is a world leading property-casualty and general insurance organisation serving more than 45 million clients in over 160 countries and jurisdictions. With a 90-year history, one of the industry’s most extensive ranges of products and services, deep claims expertise and excellent financial strength, Chartis enables its commercial and personal insurance clients alike to manage risk with confidence. Chartis is the marketing name for the worldwide property-casualty and general insurance operations of Chartis Inc.

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