ACSTAR writes many difficult contract and commercial surety bonds. ACSTAR make relationship driven decisions on borderline cases based on solid and supported recommendations from agents.ACSTAR is licensed in all 50 states. At ACSTAR, the company view the agents as strategic partners, thereby eliminating unnecessary and time consuming layers of underwriting. Whether coverage is needed for a standard or difficult case, ACSTAR is interested in discussing your client's needs. ACSTAR is committed to developing special relationships with proven surety professionals.ACSTAR is rated A by A.M. Best, U.S. Treasury-Listed, and can write bonds up to $11 million with the reinsurance. However, ACSTAR don't consider any bond too small.

To assure the continued availability of the highest quality insurance for dentists at the lowest premiums consistent with sound operating principles. To remain sensitive and responsive to our shareholder, policyholders, participating associations and the communities they serve.

Rubin Insurance Agency provides commercial and personal insurance brokerage and risk management services. The company offers a full range of property/casualty products, including liability, workers' compensation, automobile, homeowners, and disability coverage. Rubin Insurance Agency develops niche programs for businesses including contractors, restaurants, and optometrists. It also provides whole and universal life and funeral insurance, as well as retirement planning, estate planning, and financial security analysis. Stuart Rubin founded the company in 1975.

Assurity Life, formed when Woodmen Accident, Assurity Life, and Lincoln Direct merged in 2003, provides group and individual life insurance, disability income protection, and annuity products, serving some 420,000 customer accounts nationwide. It also offers various critical-illness policies (which provide lump-sum payouts for a variety of conditions and diseases). A network of independent brokers as well as affiliated sales representatives (worksite distributors) market Assurity Life's products. With roots going back to 1890, Assurity Life is the primary subsidiary of Assurity Security Group.

RTW, Inc (RTW) isn't just another look-alike provider offering workers' compensation, disability and absence management solutions. We are a company with a purpose. We attract exceptional people who desire to be the best . . . people who are honest and have unwavering ethics and integrity. We work in an environment where we support, trust, respect and listen to each other. We make and keep our promises and commitments to one another and to our customers. We are innovative, creative and passionate about the difference we make in the world. We exist to help you. That is why you need to get to know us better.At RTW, we transform people from absent or idle to present and productive. Knowing that employees are your greatest assets, we developed a proprietary process to identify potentially high-cost claims within the first forty-eight hours of an injury event. Nobody else can do this. To borrow the old cliche, knowledge is power. Putting knowledge into action, we outperform the industry, hands down. Our average claim cost is 57% better than the industry and we close claims faster, resulting in open claims that are 80% less than our competitors.

Zenith National Insurance Corp. is an indirect wholly-owned subsidiary of Fairfax Financial Holdings Limited. Zenith National Insurance Corp. is the holding company for Zenith Insurance Company and its subsidiaries, including ZNAT Insurance Company ("Zenith"). Zenith is primarily engaged nationally in the workers' compensation insurance business. Zenith conducts business in 45 states and the District of Columbia through independent agencies.

Comprised of Axis Insurance and Axis Re, AXIS Capital Holdings offers specialty insurance and treaty reinsurance. Its specialty coverage includes terrorism, aviation and marine war, and political risk; commercial property; professional liability; and onshore and offshore energy. AXIS Capital's reinsurance products, which allow for risk-sharing among insurance companies, include catastrophe, property, liability, credit, auto, and engineering lines. The company, which has operations in Australia, Bermuda, Canada, Ireland, Singapore, Switzerland, the UK, and the US, sells its products through brokers including Marsh, Aon, and Willis Group.

Texas Mutual Insurance Companies are the state's leading provider of workers' compensation insurance, and we offer exceptional services at competitive prices. They've been serving Texas since 1991. That's when the Texas Legislature first chartered the Texas Workers' Compensation Insurance Fund and gave us the task of stabilizing the workers' comp system. In 2001, the Legislature redesigned our charter and changed our name to Texas Mutual Insurance Company.

One part of the Faraday Group, Faraday Holdings is the parent company of Faraday Underwriting, which in turn is the manager of the Faraday Syndicate 435 at Lloyd's. Funding for the syndicate (to the tune of $575 million in 2004) is provided by another subsidiary, Faraday Capital. Berkshire Hathaway acquired the syndicate in 1999 and Faraday Holdings is now a subsidiary of Berkshire's General Re. The company provides risk management underwriting through three primary teams: property, casualty, and aviation. The Faraday Group also includes Faraday Reinsurance, a separate unit of General Re.

With roots (and tree rings) dating back over a hundred years, Lumbermen's Underwriting Alliance offers commercial property/casualty coverage to the forest products industry, plastics industry, professional employment organizations, and assisted living facilities. Its products include building and personal property insurance, specialty policies, surety bonds, and workers' compensation plans, which make up about one-quarter of the company's business. Lumbermen's Underwriting Alliance is licensed to do business in the continental US and throughout Canada.

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