Direct Line Insurance plc was founded in 1985 with a simple idea in mind -- selling car insurance over the phone. It is the UK's leading private automobile insurer, and it has more than 5 million customers across its lines of business. Since its founding, the company has expanded its business to include home, pet, travel, and life insurance. Other products and services include home mortgages, loans, savings, online car buying, and car breakdown service. Direct Line has also expanded geographically by offering services in Germany and Italy. The company is an affiliate of The Royal Bank of Scotland.

Vermont Mutual Insurance Group sells commercial and personal property/casualty insurance -- including automobile, businessowners, homeowners, inland marine, and umbrella coverage -- to clients in the northeastern US. The group consists of three companies: Granite Mutual, Northern Security, and Vermont Mutual Insurance. The companies operate in Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont. A network of independent agents markets the group's products. One of the oldest American mutual insurance firms, Vermont Mutual Insurance Group traces its roots back to 1828 when it was established as a fire insurance company.

OMIC is pleased to provide qualified ophthalmologists with a single, comprehensive, affordable professional liability policy for the full scope of ophthalmic practice. Our underwriters have a clear understanding of the ever-changing risk exposures and business issues facing ophthalmologists today and will work with physicians and their administrators to tailor an insurance policy for their practice. Coverage is available in all 50* states and the District of Columbia (coverage in Wisconsin is limited to eye banks).

MARC my words: If the subject is reinsurance, MARC is ready to talk. Munich American Reassurance Company (MARC) is the US-based life reinsurance subsidiary of global industry giant Munich Re (its sister company Munich Reinsurance America provides property/casualty reinsurance). MARC provides life, annuity, disability, and health reinsurance for insurance companies throughout the US. The company, founded in 1959, writes reinsurance for annuities, credit insurance, and long-term care insurance. It also provides risk management services. Munich American Reassurance Company has offices in Atlanta and Chicago.

2010 marks the twenty second anniversary of ISBA Mutual Insurance Company. However, the factors which created our company go back to the early 1950's. At that time, the Illinois State Bar Association became one of the first state bar associations in the United States to sponsor a program of professional liability insurance for its members. The insurance program was offered through a major commercial insurance company. This sponsored program of lawyers professional liability insurance continued for a period of about 35 years with relative stability.

Allianz Insurance is one of the largest general insurance providers in the UK. The company provides property, casualty, and automobile insurance policies to businesses and individuals. The company's largest segment is its commercial division, which provides property, liability, and motor insurance and risk management services. Its personal business products range from such standard fare as car and home coverage to more specialized products such as wedding, musical instrument and pet insurance. Independent brokers, agents, and affinity groups distribute the company's products. It is also growing its direct-to-consumer sales. Allianz Insurance is part of the Munich, Germany-based Allianz SE.

The nature of risk is increasingly complex and constantly changing. Some risk management challenges are obvious. Others less so, mostly due to events beyond your control or that have yet to be contemplated. Add the scrutiny of regulators, ratings agencies and other stakeholders, and the hurdles are even higher. With your capital at stake, you need a risk and reinsurance advisor with a track record of visionary ideas and delivering on its promises.

Safety Insurance Group, through its subsidiaries (Safety Insurance, Safety Indemnity Insurance, and Safety Property and Casualty), sells property/casualty insurance exclusively in Massachusetts and New Hampshire. The company is one of the top private passenger automobile and commercial automobile insurers in the state, controlling around 11% of each market. Safety Insurance Group also provides homeowners, dwelling fire, personal umbrella, and business-owner policies; it cross-sells its non-auto property/casualty products to increase its share of the market. The company sells its products through more than 800 independent agents.

Intact Financial sits atop the Canadian property/casualty marketplace, providing automobile, property, and liability insurance to both individual and small to midsized commercial clients. The company sells its Intact Insurance products primarily through a network of some 1,800 brokers, but its Belair Insurance subsidiary sells directly online and by phone. The company's Trafalgar Insurance also offers Grey Power-branded personal insurance targeted toward seniors. Formerly known as ING Canada, Intact Financial no longer has any ties to its previous parent, ING Groep.

The Western and Southern Life Insurance Company was founded in 1888 and is held by diversified financial services firm Western & Southern Financial Group. Easterners and Northerners need not apply? Nah, The Western and Southern Life Insurance Company offers life insurance, critical illness insurance, annuities, investment funds, and related products in nearly half of the states in the Union (it's also licensed in about 45 states). The Western and Southern Life Insurance company and its Western-Southern Life Assurance (universal and term life and annuity products) subsidiary market their products through W&S Agency Group, its own sales force of more than 2,000 career agents.

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