The Texas Windstorm Insurance Association is a not-for-profit association that provides hail and windstorm coverage to Texan gulf coast property owners. The company is a pool of all property/casualty insurers that are authorized to write such policies in the state of Texas. The association has seen its policyholders triple to hundreds of thousands since Hurricanes Katrina and Rita hit the gulf coast several years ago. State legislators founded Texas Windstorm Insurance Association as a last resort provider -- providing coverage when other carriers pull out of high risk areas -- in 1971.

AFBA's for-profit 5Star Financial division, founded in 1989, sells to the general public, offering individual life insurance, supplemental health insurance, and other financial services such as banking and mutual funds. Taking risks that might scare off other commercial insurance companies, Armed Forces Benefit Association (AFBA) provides group life insurance products for military personnel, government employees, police officers and firefighters, and defense department contractors. The not-for-profit membership association was established in 1947 and has some 300,000 members; its policies contain no war or terrorism restrictions. It sells property/casualty policies through affiliate Armed Forces Insurance.

Markel International Limited, a subsidiary of the US-based property and casualty insurance company, Markel Corporation, writes business through two companies: Markel International Insurance Company and Markel Syndicate 3000, its Lloyd's syndicate. Markel International operates six divisions: professional risk and commercial coverage in the UK (Markel UK), marine and energy, non-marine property, professional liability, specialty property/casualty (including accident and reinsurance), and high-end livestock insurance. The company has focused on growing its business abroad, including Canada, Singapore, Spain, and Sweden.

In the 17th Century London's importance as a trade centre led to an increasing demand for ship and cargo insurance.Lloyd's coffee house became recognised as the place for obtaining marine insurance. From its first beginnings in Edward Lloyd’s Coffee House in 1688, Lloyd’s has been a pioneer in insurance. Starting with its roots in marine insurance, Lloyd’s has grown over 300 years to become the world’s leading market for specialist From 17th century shipping and Lord Nelson’s victory at the Battle of Trafalgar, through the devastation of the San Francisco earthquake in 1906, and on to the emergence of space satellite technology in the late 20th century, the story of Lloyd’s is both a long and an interesting one.

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.

Think of the Society of Lloyd's (dba Lloyd's of London) as a busy market where groups who have risks can meet up with groups who have money to insure risk. As the world's leading insurance exchange, Lloyd's regulates about 80 syndicates run by more than 50 managing agents. Customers include corporate underwriters and wealthy individuals transacting specialty property/casualty insurance business worth billions in premiums each year. Also part of the picture are Lloyd's brokers, who bring business to the market. Lloyd's is a top conduit for aviation and marine insurance, as well as its more specialized specialty insurance covering celebrity body parts or protecting against acts of terrorism.

Scottish Re Group Limited is a holding company organized under the laws of the Cayman Islands with its principal executive office in Bermuda. Through our operating subsidiaries, we are engaged in the reinsurance of life insurance, annuities and annuity-type products. These products are written by life insurance companies and other financial institutions located in the United States, as well as in other countries around the world.

Union Mutual Fire Insurance Company writes property/casualty insurance for individual and small to midsized business clients throughout New England and upstate New York. Union Mutual Fire Insurance, its New England Guaranty Insurance subsidiary, and its Eastern Mutual Insurance affiliate together operate as Union Mutual of Vermont Companies. Policy lines include automobile, homeowners, marine, business owners, and workers' compensation. All products are sold through a network of independent agencies. Union Mutual Fire Insurance, a mutual insurance company owned by its shareholders, has a history dating back to 1874.

SCOR S.E. provides non-life reinsurance and life reinsurance products. Its non-life reinsurance products include reinsurance covering property damage, industrial and commercial goods, vehicles, ships, stored or transported merchandise, operating losses caused by fires or other events, and damages caused to third parties under civil liability coverage, including automobile liability and general civil liability; specialty reinsurance activities, including credit and surety, ten-year inherent defects insurance, aviation, space, marine, engineering, agricultural risks, and structured risk transfer; reinsurance covering various insurable risks during construction and operation of industrial groups and service companies; and reinsurance coverages underwritten through joint ventures and partnerships. Its life reinsurance products cover life, health and medical insurance, and personal insurance, such as accidents, disability, illness, or incapacity.

Headquartered in Philadelphia, Radian connects lenders, homebuyers, investors and loan servicers using a suite of private mortgage insurance and related risk management products and services. They help promote and preserve the tradition of homeownership while protecting lenders from default-related losses on residential first mortgages. We also facilitate the sale of low-downpayment mortgages in the secondary market. Our commitment to homeownership is built on a foundation of evaluating credit risk; we help clients and investors expertly and prudently manage risk in any market condition. Radia

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