Indiana Farmers Mutual underwrites personal auto, homeowners, farmowners, and commercial insurance for customers in (and only in) Indiana. The company sells its products exclusively through independent agents throughout the state. Indiana Farmers Mutual traces its roots back to 1877 when a group of farmers banded together for protection against fire loss.

Safety Insurance Group, through its subsidiaries (Safety Insurance, Safety Indemnity Insurance, and Safety Property and Casualty), sells property/casualty insurance exclusively in Massachusetts and New Hampshire. The company is one of the top private passenger automobile and commercial automobile insurers in the state, controlling around 11% of each market. Safety Insurance Group also provides homeowners, dwelling fire, personal umbrella, and business-owner policies; it cross-sells its non-auto property/casualty products to increase its share of the market. The company sells its products through more than 800 independent agents.

SCOR Reinsurance is an insurer's insurer. The company is the American arm of French firm SCOR and covers other insurers against large losses such as hurricanes and earthquakes. It is also licensed to write a wide array of both life insurance and property/casualty insurance such as accident, burglary and theft, health, aircraft liability, fire, forgery, hail, ocean marine, and auto liability. North American premiums account for for about a quarter of the total premiums collected by the parent company. SCOR Reinsurance is now part of the SCOR Americas hub that oversees SCOR activities from Toronto to Rio de Janiero.

Lancashire Holdings Limited property insurance and reinsurance operations (nearly half of sales) insure damage to residential, commercial, manufacturing, government, and other structures. Its energy segment specializes in worldwide offshore property damage, business interruption, and construction insurance to the upstream and downstream energy industries. Lancashire also offers marine, aviation, terrorism, and political risk (including war) coverage. The company -- which relies on brokers to sell its products in more than 30 countries around the world -- has underwriting offices in Bermuda and London, and a marketing office in Dubai.

Headquartered in Philadelphia, Radian connects lenders, homebuyers, investors and loan servicers using a suite of private mortgage insurance and related risk management products and services. They help promote and preserve the tradition of homeownership while protecting lenders from default-related losses on residential first mortgages. We also facilitate the sale of low-downpayment mortgages in the secondary market. Our commitment to homeownership is built on a foundation of evaluating credit risk; we help clients and investors expertly and prudently manage risk in any market condition. Radia

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.

Serving approximately 170 countries worldwide, Zurich Financial Services AG is a leading provider of general corporate insurance. Focused on markets in Europe and North America, the company's General Insurance segment offers commercial and personal property/casualty and specialty coverage, while its Global Life segment offers life insurance, annuities, and other investment policies. Zurich's Farmers Group division offers personal property/casualty insurance policies in the US. The company was founded in 1872.

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.

Kingsway Financial Services Inc. provides insurance solutions to individuals and businesses in the United States. The company primarily offers non-standard automobile insurance that covers drivers who do not qualify for standard automobile insurance coverage because of their payment history, driving record, place of residence, age, vehicle type, or other factors, as well as provides commercial automobile insurance products. It distributes its products through a network of independent agents. The company was founded in 1989 and is based in Mississauga, Canada.

On February 11, 1992, at 8:30 a.m., Jeff Cavignac walked out the door of Robson, Cavignac & Associates, and the Jeffrey W. Cavignac Insurance Brokerage (JWCIB) was founded. It was truly a one-man shop. There was no staff, and no business, but there was a mission statement and a business plan. Shortly after opening the doors at 402 West Broadway, Jeff Cavignac was joined by Rob Supple. Rob had also worked at Robson, Cavignac.

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