"History" often implies a longer run and a less recent past than 15 years. In our business, Alternative Risk Transfer (ART), that is a long span. We have evolved from a venture capital-based start-up to a successful and profitable enterprise. Writing almost $1 billion of business with over 300 employees, we have a powerful infrastructure and a professional business culture that is both pragmatic and flexible. We have learned and continue to execute the "art" of ART better than anyone in the industry because that is our sole focus.

Founded in 1992 by the Dental Society of Massachusetts, as a "by dentists, for dentists,®" company, Eastern Dentists Insurance Company (EDIC) has grown to thousands of members in Massachusetts, Rhode Island, Connecticut, New Hampshire, Vermont, Maine, New Jersey, New York and Pennsylvania. The company was expressly formed to control the rising costs of dental malpractice insurance and allow our colleagues to control our own destinies.

Colonial Life & Accident Insurance Company is a market leader in providing benefits solutions in one neat package: excellence in communications, enrollments, service, and personal insurance products and services that make benefits count for employers and their employees alike. For employees whose insurance plans leave them feeling vulnerable, Colonial Life can help restore peace of mind through personal insurance products that complete their coverage. Headquartered in Columbia, S.C, and founded in 1939, Colonial Life offers a broad line of personal insurance products including disability, accident, life, cancer, critical illness, hospital confinement and limited benefit medical coverage.

Security Mutual Insurance provides personal and commercial property/casualty insurance in the northeastern US. Its offerings include homeowners, business owners, liability, umbrella, and marine coverage. The member-owned company also offers specialty multi-peril programs for small businesses. It co-owns another property/casualty insurance firm, New York Mutual Underwriters, with Sterling Insurance. More than 300 independent agencies represent the company throughout the state of New York and in northern Pennsylvania. Security Mutual Insurance Company was founded in 1887 as Tompkins County Co-Operative Fire Insurance.

Korean Reinsurance isn't content just to be one of Asia's largest reinsurance companies. Established in 1963, Korean Re provides both life and non-life reinsurance services for fire and engineering, marine and aviation, casualty and bond, and automotive purposes, among others. Approximately 80% of its premiums originate in Asia (including the Middle East and Africa), with the balance coming from Europe and the Americas. Property and engineering premiums lead the company's portfolio, comprising about 20% of gross premiums written. However, the company has been experiencing growth in its casualty, life, and overseas lines. Korean Re is expanding its global foothold with offices in the US, Europe, and Asia.

In the consolidating European insurance industry, Aviva is a lively player. As the top insurance provider in the UK and a leading insurance firm worldwide, Aviva offers both life and general insurance. Its long-term savings segment focuses on life insurance, pensions, unit trusts, and other products; its general insurance segment includes the stuff which is called "non-life" or "property/casualty" elsewhere: home, auto, and fire coverage. Its Aviva Investors arm provides asset management globally. In the UK it also offers private medical insurance through employers. While most of the company's businesses operate under the Aviva banner, it also operates local businesses under other brands, including RAC.

Federated Insurance is a mutual firm with a clear focus. The company provides multiple lines of business insurance coverage and risk management to employers in automotive repair and sales, building construction, printers, funeral homes, and jewelers, among others. Its products and services include workers' compensation, automotive, group life and health, and retirement planning. Federated Insurance markets its products both directly and through an independent sales force in 48 states and Washington, DC. It maintains offices in eight states. Since its founding in 1904, the company has worked closely with trade associations to develop and endorse its insurance programs.

Alliant Insurance Services' specialty is commercial and specialty insurance. The company brokers multi-line commercial property/casualty insurance, as well as surety bonds and employee benefits through more than 30 offices scattered across the US and in Canada. Offering several specialty programs, the company operates a large public entity business, and it has expertise in providing insurance for energy and health care companies, tribal nations, law firms, and the real estate and construction industries

Founded in 2006, Homeowners Choice began providing property and casualty insurance for Floridians just as large national insurers began exiting the hurricane-prone market to reduce exposure. The majority of the company's insurance policies have been assumed from Citizens Property Insurance Corporation, a state-supported insurer. Although Homeowners Choice has assumed more than 50,000 property and casualty insurance policies from Citizens, the company has done so selectively, assuming policies based on its own underwriting criteria. The company also sells policies through a network of more than 1,300 independent agents.

Four European mutual companies formed White Mountains Reinsurance Company of America (formerly Folksamerica Reinsurance Company) in 1980. Since then, White Mountains Reinsurance Company of America (“White Mountains Re America”) has employed a focused, forward-looking strategy that has provided a foundation for our growth, strengthened our financial position and established our reputation for quality. In 1996, seeing the need for continued surplus growth, White Mountains Re America attracted the interest of White Mountains Insurance Group, Ltd. (“White Mountains”).

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