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.

Enumclaw Insurance Group provides commercial and personal property/casualty insurance in four western states (Idaho, Oregon, Utah, and Washington). Through subsidiaries Mutual of Enumclaw Insurance Company and Enumclaw Property and Casualty Insurance, the company writes a variety of lines, including auto, homeowners, liability, and umbrella insurance. Enumclaw also offers specialty package policies for churches, farms, and business owners. Farmers' Mutual Insurance, the group's Washington-based predecessor, was founded in 1898.

Protecting from the multitude of dangers lurking in the water, mutual insurer North of England Protecting and Indemnity Association (NEPIA) provides marine liability insurance to some 300 members, including cargo carriers and large tanker owners. NEPIA offers protection and indemnity (P&I) insurance, freight demurrage and defense (FD&D, legal expenses), war risk coverage, and more. The company's operations are run through its wholly owned subsidiary, North Insurance Management Limited (NIML). While NEPIA operates primarily in Europe, it also has customers in Asia, the Middle East, and North America. The company maintains liaison offices in Greece, Singapore, and Hong Kong. It was founded in 1886.

Kingsway Financial Services Inc. provides insurance solutions to individuals and businesses in the United States. The company primarily offers non-standard automobile insurance that covers drivers who do not qualify for standard automobile insurance coverage because of their payment history, driving record, place of residence, age, vehicle type, or other factors, as well as provides commercial automobile insurance products. It distributes its products through a network of independent agents. The company was founded in 1989 and is based in Mississauga, Canada.

Encompass Insurance company, formerly known as CNA Personal Insurance, specializes in personal insurance. As one of the largest personal brands in the US, it has more than 1.2 million customers in 42 states. The company offers its products through more than 2,800 independent agents. Products include auto, collectible auto, boat, and homeowners coverage, as well as its Universal Security Policy (combining personal insurance policies into one). Encompass Insurance is a subsidiary of auto insurance giant Allstate Insurance Company, part of the Allstate Corporation.

Western World Insurance Group, established in 1964, is among the top excess and surplus lines insurance groups in the United States with more than forty five years of experience, success and stability. The administrative office of the Western World Insurance Group of companies, including our admitted company affiliate, Stratford Insurance Company, is located in Franklin Lakes, New Jersey, with all member companies domiciled in New Hampshire.

PartnerRe Ltd. (NYSE, Euronext: PRE) is a provider of risk-assumption solutions for the global insurance and capital markets. We provide insurance companies with multiple lines of reinsurance — property & casualty, catastrophe, specialty lines, life, and alternative risk transfer — through our offices around the world.

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.

Horace Mann Educators Corporation, through its subsidiaries, markets and underwrites personal lines of property and casualty insurance, retirement annuities, and life insurance in the United States. Its property and casualty insurance products primarily include private passenger automobile and homeowners insurance. The company also offers annuity products, such as tax-qualified products; and traditional term, whole life, and group life insurance policies. Horace Mann markets its products to K-12 teachers, administrators, and other employees of public schools and their families, as well as to other education-related customers, including elementary and secondary teachers, school administrators, and education support personnel. It sells its products through its agent sales force and independent agent distribution channels. The company was founded in 1945 and is based in Springfield, Illinois.

SNS REAAL Groep has a real focus on financial services for Dutch customers, particularly retail clients and small-to-medium businesses. Through several operating units, SNS REAAL offers a wide variety of banking and insurance products in the Netherlands. The group's primary subsidiaries are SNS Bank and REAAL Verzekeringen. SNS Bank provides retail banking services online and through about 150 branch offices throughout the Netherlands. REAAL Verzekeringen offers life and general insurance to retail and business clients through independent financial advisers. In addition, the company operates about a dozen other subsidiaries offering everything from socially responsible banking to sustainable asset management.

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