Beacon Mutual Insurance Company is a non-assessable mutual insurance company chartered by the State of Rhode Island. We are now the largest writer of workers' compensation insurance, as well as the largest writer of commercial insurance (property casualty) in Rhode Island. We are financially secure, with over $450 million in admitted assets. Excess surplus is returned to policyholders in the form of lower premiums and/or dividends. Beacon's staff assists policyholders in implementing safety and return-to-work programs that are customized for their particular business. We are dedicated to providing continuous coverage and have the largest claim staff dedicated to workers' compensation.

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”).

Universal Insurance Holdings, Inc., through its subsidiaries, operates as an insurance company. It performs various aspects of insurance underwriting, distribution, and claims processing. The company’s primary product is homeowners’ insurance. As of December 31, 2009, it serviced approximately 531,000 policies with coverage for wind risks and 10,000 policies without wind risks. It markets and distributes its products and services through a network of independent agents. The company was formerly known as Universal Heights, Inc. and changed its name to Universal Insurance Holdings, Inc. in January 2001. Universal Insurance Holdings was founded in 1990 and is headquartered in Fort Lauderdale, Florida.

Lancer Insurance isn't your average car insurer. The firm specializes in commercial auto insurance for niche markets, writing coverage for clients such as bus companies, limousine drivers, long-haul truckers, and rental car fleets. Its main Lancer Insurance division provides transportation coverage nationwide. The company also operates smaller subsidiaries that cater to customers in and outside of the commercial auto arena. Its D.C. White unit targets small and midsized auto businesses in New York and New Jersey. Nobel Insurance provides coverage to explosives manufacturers, MOPS provides coverage for Coast Guard employees, and Owner Operator DIRECT provides single-unit trucking policies.

Founded in 1851, MassMutual's US and global clients include individuals and businesses. The company also offers disability income insurance, long-term care insurance, structured settlement annuities, and trust services. Its subsidiaries include OppenheimerFunds (mutual funds), Babson Capital Management (investor services), Baring Asset Management (international investment), and Cornerstone Real Estate Advisors (real estate investment management). Massachusetts Mutual Life Insurance, sometimes known as MassMutual Financial Group, but usually called by its nickname, MassMutual, provides financial services including life insurance, annuities, money management, and retirement planning.

Erie Indemnity Company was founded in 1925 as an auto insurer, it now provides underwriting and sales and policy administration services to Erie Insurance Exchange, a reciprocal insurance exchange that pools the underwriting of several property/casualty insurance firms. Most of its revenues come from the management fees it charges the exchange, but it also writes a bit of property/casualty insurance of its own through subsidiaries. Its reach includes coverage in about a dozen eastern states and it markets its products through some 9,000 independent agents. The company is the only publicly traded part of the Erie Insurance Group, which also includes Erie Family Life Insurance.

Fidelity National Financial provides title insurance, escrow, and other services related to real estate transactions. It is now the big dog in the title insurance sector, (the next largest player is First American) and accounts for more than 45% of all title insurance policies in the US. The company operates through underwriters including Fidelity National Title Company, Chicago Title, Ticor Title, Security Union Title, and Alamo Title. It sells its products both directly and through independent agents. Fidelity National Financial's specialty lines include flood and home warranty insurance.

Heath Lambert is a leading UK independent insurance adviser and broker with over 130 years of experience in the insurance industry. We listen to our clients, and deliver the right insurance and advisory solutions for their needs. In 1997, during what was considered to be the softest market conditions in the history of insurance, a leveraged buy-out by the management was agreed.Lambert Fenchurch, itself a product of an earlier merger between Lowndes Lambert Group plc and Fenchurch plc can trace its origin back over 160 years to the coal factoring business set up by Francis Devereux Lambert, which developed into shipping and insurance broking.

The Hanover Insurance company operates through a handful of property/casualty insurance companies, of which Hanover Insurance Company is the largest. Hanover offers personal and commercial insurance, including automobile, homeowners, workers' compensation, and commercial multiple-peril insurance coverage. While the company is licensed to sell its products in all 50 states, its network of independent agents is concentrated in the Midwest, Northeast, and Southeastern US. Citizens Insurance Company of America, which sold the first auto insurance policy in the US, is Hanover's sister company operating in Michigan.

Montpelier Re Holdings focuses on coverage for commercial property and property catastrophe reinsurance, protecting against earthquakes, hurricanes, floods, fires, and storms. Montpelier Re also writes marine, aviation, casualty, and personal accident risk reinsurance, in addition to other specialty property insurance and reinsurance products. The company sells through brokers that include Aon, Benfield Group, Marsh & McLennan, and Willis Group. Montpelier Re was founded by Benfield Group and White Mountains Insurance in the wake of September 11, which created a favorable market for reinsurance.

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