At Bituminous, we believe in positioning well qualified insurance decision makers at the point of sale – so we market our programs through some of the best agents in the business. If you rely on your independent insurance agent to help you identify the best fit for your property and casualty insurance needs, be sure you check out Bituminous. The quality of our experience in the industries we have chosen to serve means we are qualified to offer advice in the most specific areas of your concern.

Balboa Insurance Group has been helping lenders for more than 60 years by providing industry-leading risk management and loss mitigation solutions to financial institutions in the mortgage and auto finance industries. Balboa Insurance Group is a part of a Fortune 500 diversified financial services organization, that is financially sound and strong. The company's affliated underwriters include Balboa Insurance Company, Meritplan Insurance Company, Newport E&S Insurance Company, Newport Insurance Company, Balboa Life Insurance Company and Balboa Life Insurance Company of New York.

Northbridge is the largest commercial P&C insurance group in Canada, with premiums of approximately $1.4 billion. Northbridge seeks to bring long term value to our shareholders, insureds and brokers by focusing on diversified Canadian business, operational excellence, innovative differentiation, and a proactive mindset of continuous improvement. We are Canadian owned and operated

Irish Life & Permanent hopes the green, green grass of home will be a fertile spot for growth. Irish Life & Permanent plc has pulled in its expansionist horns in favor of an "Ireland first" strategy, all but confining its sales of insurance, investment management, mortgage loans, and other personal financial products and services to its home country, where it has about a million customers. The company's retail division (Irish Life) provides life insurance, other insurance, and investment products to individuals through its own sales force, independent agents, and the branches of Irish Life & Permanent plc company's banking subsidiary, permanent tsb. Through the bank, Irish Life & Permanent is one of Ireland's leading mortgage lenders.

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.

Western World Insurance Group, established in 1964, is among the top excess and surplus lines insurance groups in the United States with more than forty five years of experience, success and stability. The administrative office of the Western World Insurance Group of companies, including our admitted company affiliate, Stratford Insurance Company, is located in Franklin Lakes, New Jersey, with all member companies domiciled in New Hampshire.

Alleanza Toro is a young company built on an old and long standing foundation. The company, a merger of fellow Assicurazioni Generali subsidiaries Toro Assicurazioni (founded in 1833) and Alleanza Assicurazioni (1898), offers life, property, and business insurance to individuals and small businesses in Italy. The company covers more than 3.3 million customers giving it a 5% market share. In addition to insurance Alleanza Toro also offers pension plans and other financial planning products. Subsidiaries Alleanza, Toro, Lloyd Italico, Augusta Insurance, and DAS combine for more than 2,000 branches operating under the Alleanza Toro umbrella. The company was formed in 2009 when Generali combined the two units.

Atrium Underwriters, a Lloyd's of London insurer and reinsurer also provides insurance for cargo, art, and against acts of terrorism. Its Atrium Underwriters Limited subsidiary manages two Lloyd's syndicates -- Syndicate 570 (property & casualty insurance and reinsurance, accident & health, and professional liability) and Syndicate 609 (energy, marine and aviation risks, non-marine property, war, and more). The company provides its services throughout the UK using a direct sales force.

Quincy Mutual Fire Insurance, along with subsidiary Patrons Oxford Insurance (which operates only in Maine), provides personal and commercial property/casualty coverage to more than 300,000 policyholders throughout New England. Products include auto, homeowners, specialty dwelling, workers' compensation, commercial umbrella, and business owners insurance. The company sells its products through some 500 independent agents in Connecticut, Maine, Massachusetts, New Jersey, New York, and Rhode Island. Quincy Mutual Fire Insurance was founded in 1851.

The Farm Family group of insurance companies, headquartered in Glenmont, New York, is part of the American National Family of Companies. Farm Family has been providing insurance protection for families and businesses in rural and suburban areas since the 1950s in the Northeast and Great Atlantic regions. Over the years, Farm Family has earned a solid reputation, with an established tradition built on integrity and trust.

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