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.

Falvey Cargo Underwriting provides marine cargo insurance primarily for high technology and medical industries, but insures just about anything in need of coverage. Typical cargo loads include environmentally-sensitive fiber optic equipment, robotic surgical devices, and pharmaceutical products. The company also provides loss prevention consultations, claims processing services, and recovery services through its ProTecht Risk Solutions program. Falvey Cargo Underwriting -- a licensed underwriting manager for several Lloyd's syndicates -- was founded in 1995.

In the early 1980s, CPAs were faced with a mounting liability insurance crisis. The major insurance carriers, victims of their own rate-cutting war, found themselves with insufficient funds to cover their claims. Most companies discontinued their professional liability insurance coverage for CPAs. Those who continued to offer CPAs liability insurance imposed huge premium increases to cover cash shortfalls. As a result, liability coverage became unaffordable for many CPAs.

John A. Folino is RTI Insurance Services' founder, President and CEO. With offices expanding throughout Pennsylvania, Maryland and Florida, RTI has successfully flourished as a result of mutually beneficial, long-term relationships with clients.Mr. Folino graduated from Duquesne University with a degree in Business Administration. He entered the insurance industry as an independent agent and rapidly became one of the most accomplished producers in the field. With 27 years experience, Mr. Folino has navigated RTI in to a well-established firm by strategic acquisition of key agencies in Western Pennsylvania and Florida, as well as by organic acquisition of new clients.

These pages have been created specially to comply with the laws of accessibility of level AA. This means that we have summarized here the most important contents of our corporate website. If you wish to obtain more information you can access our website in its extended version. Here, internet users will find information about who we are, which is our philosophy and our evolution. One can find articles, details, curiosities, information about our products and about the Group's dimension and financial development...in general the user will find many options to get to know in depth the Grupo Catalana Occidente, the independent company leader in the insurance sector in our country as well as the oldest, on its way up to 150 years of history.

American National Insurance Company and its subsidiaries operate primarily in insurance industry in the United States, the District of Columbia, Puerto Rico, Guam, and American Samoa. American National Insurance Company operates through five segments: Life, Annuity, Health, Property and Casualty, and Corporate and Other. The Life segment offers individual and group life insurance products, including universal life, variable universal life, whole life, and term life; and credit life insurance. The Annuity segment provides variable and fixed annuities for individuals and institutional investors. The Health segment offers medicare supplement, supplemental insurance, hospital surgical, stop-loss, and credit disability insurance. The Property and Casualty segment provides auto insurance, homeowners insurance, agribusiness and commercial insurance, and credit property and casualty insurance. The Corporate and Other segment offers mutual fund and investment advisory products and services. In addition, American National Insurance Company invests in mortgage loans and real estate properties. It distributes its products through home service, multiple line, credit, independent third party marketing organizations, and direct sales to the public. American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas.

At AmWINS, we’re all about finding a better way. That’s why we’ve created a culture in which we continually challenge each other to maintain a clear vision, seek new solutions, utilize the newest technology and offer superior responsiveness.With seasoned personnel, broad market relationships and deep knowledge of our specific industry niches, we can help you structure the right solutions for your clients. We are dedicated to supporting the efforts of retail agents and brokers, giving you the freedom and flexibility to take advantage of our wholesale insurance expertise and market clout. A strong and cohesive company with resources stretching from coast to coast, we also value a very personal approach to business and still operate in an entrepreneurial spirit – allowing our brokers to continue to grow and provide leading-edge solutions to our retail clients.

American Southern began business in March, 1937, operating under the corporate name of Southern Fire and Marine Insurance Company until 1953, when the present name was adopted.There specialize in writing in commercial automobile liability, auto physical damage, and general liability programs through retail agents as well as managing general agents. They are also interested in specialized and unique books of business in the lines we specialize in. Although historically our writings have been directed at public entity automobile, truck physical damage, and general liability, we will consider large blocks of business in other lines, depending upon volume, prior loss experience and expose.

UNIQA Versicherungen, a leading insurance provider in Central Europe, holds a group of insurance companies serving some 15 million customers in about 20 European countries. The group offers life, health, and property/casualty insurance and related financial services. Subsidiaries include UNIQA Sachversicherung (property and casualty insurance lines), UNIQA Personenversicherung (personal insurance), and Raiffeisen Versicherung, which covers accident and life insurance lines and distributes through affiliated Raiffeisen bank branches. Its Salzburger Landes-Versicherung subsidiary, which offers property and and casualty insurance, serves regional insurance companies and is Austria's oldest fire insurer.

Arch Capital Group Ltd., together with its subsidiaries, provides insurance and reinsurance products worldwide. It operates in two segments, Insurance and Reinsurance. The Insurance segment offers casualty; construction; executive assurance; healthcare; national accounts casualty; professional liability; programs; property, energy, marine, and aviation; surety; travel and accident; and other insurance products, such as collateral protection, excess workers' compensation, and employers' liability business. Its products are marketed through a network of licensed independent retail and wholesale brokers. The Reinsurance segment reinsures third party liability and worker’s compensation exposures; individual property risks that include personal lines and commercial property exposures; other specialty lines, including non-standard automobile, surety, accident and health, trade credit, and political risk; catastrophic perils, such as hurricane, earthquake, flood, tornado, hail, and fire; marine business, which includes coverage for hull, cargo, and transit and offshore oil and gas operations, as well as aviation business that includes coverage for airline and general aviation risks; and non-traditional business to provide insurers with risk management solutions. This segment markets its reinsurance products through brokers, as well as directly with the ceding companies. The company was founded in 1995 and is based in Hamilton, Bermuda.

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