At Brown & Brown (B&B®), we know that we must be as agile as the cheetah in order to thrive in the currently very competitive insurance environment. Our unique culture has enabled us to quickly chase down new opportunities, adapt our products and services to best meet market demands, and satisfy our many and varied clients.

UNIFI Mutual Holding respects the individuality of its subsidiaries, but likes to keep them all in one place. UNIFI Mutual Holding owns Ameritas Holding, which in turn owns three subsidiaries: Ameritas Life, Acacia Life, and Union Central Life. All three companies provide life insurance and annuity products nationwide. Through its companies, UNIFI also offers such services as financial planning and workplace investing, and has some $30 billion of assets under management. Other companies under its umbrella include socially responsible mutual fund manager Calvert Group, Acacia Federal Savings Bank in Virginia, and Ameritas Group, which offers dental and eye care insurance.

Founded in 1970 as N.E.L. Permanent Health Insurances Limited (a subsidiary of Surrey-based life insurer NEL), in 1990 Unum Limited became a subsidiary of US-based Unum Corporation (now UnumProvident Corporation) after Unum acquired NEL. E pluribus unum is an apt phrase for describing this company. Unum Limited, which operates as UnumProvident, provides short- and long-term income protection or disability insurance to more than 2 million people in the UK. UnumProvident is the leading UK provider of group income protection and also offers critical illness insurance, as well as executive-income replacement insurance. The company's insurance products cover both employer groups and individuals.

Linda Blood and Frank Berriz opened American Coast Title Company in 1988. Joel Phillips joined Linda and Frank in ownership in 1999. All three are involved in day-to-day operations.ACT is a hands-on company. ACT has no outside investors awaiting huge profits, no stock analysts to keep happy and no consulting firm creating or revising the company's public image. ACT has dedicated title professionals who understand that the best insurance of success is superior service to our clients.

Arig has been a trusted risk partner for over a quarter century. Established by the governments of Kuwait, Libya and the United Arab Emirates, the Company has since grown to become one the market leaders among regional reinsurers. Today, Arig is a publically traded company owned by over 6000 private and institutional investors and listed on the stock exchanges of Bahrain, Dubai and Kuwait.

Equity Red Star, the Lloyd’s underwriting business, is the UK’s 6th largest motor insurer and has been providing insurance products for more than 60 years. It offers a diverse range of products, including private car, classic car, van, motorcycle, taxi, minibus, fleet, haulage, agricultural vehicle, motor breakdown, household and personal accident. Equity Direct Broking Limited operates through affinity partners, driving leading brands in their markets and administering transferred existing businesses from UK brokers, supported through UK call centres.

What if your auto insurance company could also issue you a driver's license? It can in western Canada, where Insurance Corporation of British Columbia (ICBC) is not only the sole provider of British Columbia's (BC) mandated basic auto insurance coverage, but is also in charge of operating the province's motor vehicle department. Formed by the provincial government in 1973, ICBC provides liability and uninsured motorist coverage to about 2.6 million customers through its required Basic Autoplan policy. The company also issues drivers' licenses and offers other standard motor vehicle services. ICBC is regulated by The BC Utilities Commission, which approves the insurance company's rates.

MullinTBG helps executives benefit from their benefit plans. Offering more than 600 customized plans, MullinTBG helps both large corporations and emerging growth companies retain personnel with executive benefits, retirement, and compensation packages. It offers such specialty insurance products as company-owned life insurance and customized nonqualified deferred compensation plans. MullinTBG also specializes in plan design, enrollment, record keeping, reporting, and communications. Through subsidiary MullinTBG Advisors, the firm offers financial planning and investment advice. It has offices throughout the US. Prudential Financial acquired MullinTBG in 2008 and made it part of its Prudential Retirement business.

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.

The National Motorcycle Dealers Association (NMDA), MBA's subsidiary, was created to provide to the large existing network of motorcycle dealerships, manufacturers and associated industry businesses in the U.S. and Canada an integrated platform of programs to deliver insurance, finance and business solutions backed by nationally recognized vendors.MBA's experience in the insurance field plus the company's existing operations infrastructure have provided the network and tools to build the NMDA rapidly from its formation in early fall 2004. Partners and program members of the NMDA already include GEICO, Aon, Aegon, Zurich, the Van Tuyl Group and many additional service providers.

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