Radian Group is glowing from a conflagration of private mortgage insurance claims. Through subsidiaries Radian Guaranty, Amerin Guaranty, and Radian Insurance, Radian Group provides traditional private mortgage insurance coverage to protect lenders from defaults by borrowers who put down a deposit of less than 20% when buying a home. Such coverage provides protection on individual loans and covers unpaid loan principal and delinquent interest. Its pool insurance covers limited exposure on groups of loans. Radian still insures municipal bonds through its financial guaranty business, but is winding down that business. Radian Group's customers include mortgage bankers, commercial banks, and savings institutions.

Citizens, Inc. and its subsidiaries provide life and health insurance products and services in the United States and internationally. Its Life Insurance segment engages in issuing ordinary whole life insurance products to foreign residents, high net worth and high income residents, and middle income households. This segment offers its products through independent marketing firms and consultants in Latin America and the Pacific Rim. Citizens company’s Home Service Insurance segment focuses on the life insurance needs of the middle to lower income market in Louisiana, Mississippi, and Arkansas. This segment sells ordinary whole life products to provide funding individuals’ final expenses, primarily consisting of funeral and other burial costs, as well as offers limited liability, named peril property policies covering dwellings and contents. Home Service Insurance segment provides policies and services through home service marketing distribution system agents, who sell policies, collect premiums, and service policyholders. Citizens, Inc. was founded in 1969 and is based in Austin, Texas.

Mitsui Sumitomo Insurance is one of Japan's largest non-life insurance companies. The company sells property/casualty, shipping, accident, and auto lines. It also offers asset management and investment services including mutual funds, risk management, and financial consulting, as well as some life insurance products, through subsidiaries and affiliates. Mitsui Sumitomo sells insurance policies in Japan through a network of 570 branches and 40,000 independent representatives, and it has international operations in over 40 countries. The firm merged with fellow Japanese insurers Aioi Insurance and Nissay Dowa General Insurance in 2010; all three companies are now subsidiaries of holding company MS&AD Insurance Group.

Scottsdale Insurance Company is the property/casualty insurer specializes in excess and surplus insurance lines (E&S) -- insurance coverage for higher-risk individuals and businesses including alarm contractors, bars, exterminators, and tree trimmers. The company also offers such niche products as pet insurance, professional liability, and products for public entities (cities and counties). E&S providers are not allowed to advertise directly to consumers, so Scottsdale Insurance relies upon wholesale general agents, brokers, and managers to sell its products through local agents. The company is a subsidiary of Nationwide Mutual Insurance.

Risk management issues can force an organization’s focus to shift away from its core business. In today’s world, the threats of a constantly evolving global marketplace are rapidly growing in scope and magnitude. The reality is that risk management concerns build anxiety in companies.Unmanaged risk will blindside, steal resources, diminish profits, and keep skilled managers laboring in areas outside their expertise. It’s a recipe for executive insomnia.

Validus Holdings, Ltd., through its subsidiaries, provides reinsurance and insurance coverage in the property, marine, and specialty lines markets worldwide. The company underwrites property catastrophe reinsurance, property per risk reinsurance, and property pro rata reinsurance; and insurance and reinsurance on marine risks covering damage to or losses of marine vessels or cargo, yachts and marinas, third-party liability for marine accidents, and physical loss and liability from offshore energy properties. It also underwrites reinsurance on other lines of business, including aerospace, terrorism, life and accident, and health and workers’ compensation catastrophe. In addition, Validus Holdings underwrites short-tail insurance and reinsurance contracts; and specialty insurance products consisting of war (which comprises marine and aviation war, political risks, and political violence), financial institutions, contingency, bloodstock and livestock, accident and health, airlines, and aviation treaty. The company offers its products primarily in the United States, Europe, Latin America and the Caribbean, Japan, and Canada. Validus Holdings, Ltd. was founded in 2005 and is based in Hamilton, Bermuda.

Plymouth Rock Assurance Corporation has provided automobile insurance to New England drivers for nearly 25 years. We are the flagship company of the Plymouth Rock Group of Companies, headquartered in Boston, Massachusetts.Customers consistently choose Plymouth Rock because we provide more than just insurance – we offer the added assurance of great value, ease, and service. Our commitment to delivering more than just insurance has made our agents and policyholders among the most loyal in the industry, and earned us praise from Boston Consumers’ Checkbook. We have also received an "A-/Excellent" rating from the A.M. Best Company, the insurance industry’s premier rating service.

NBIS delivers premier Construction and Transport Risk Management Products and Services. Our goal is to be recognized as a market leader in Specialty Construction and Transport Insurance through customized programs with carriers, trade groups, and distribution partners.Through our special relationships with producers, affinity groups and insured’s, we partner with insurance carriers in customizing responsive risk management programs. Carriers focused on underwriting niche products through Managing General Underwriter (MGU) program administrators are attracted by our specialized expertise in Construction and Transport Industry Underwriting, our proprietary Risk Management Support System©, our ability to assume risk, and the capability of our support professionals and systems to adapt to new opportunities.

Frankenmuth Mutual Insurance provides personal automobile, umbrella, and homeowners coverage, as well as commercial liability, workers' compensation, and other business products. Other offerings include identity theft coverage and yacht and collector car policies. More than 500 independent agencies market the company's products. Founded by Bavarian settlers in 1868, the company only served policyholders in Michigan until the 1970s. Frankenmuth Mutual Insurance is now licensed in 47 states and does business in about a dozen states in the Midwest and Southeast. It operates through Patriot Insurance in the Northeast.

PICO Holdings, Inc., together with its subsidiaries, engages in the ownership and development of water resources and water storage operations in the southwestern United States and Europe. It identifies end users, such as water utilities, municipalities, or developers who require water and develops new sources of water for municipal and industrial usage, as well as constructs and develops water storage infrastructure to facilitate the allocation of available water supplies. The company also develops and sells real estate, and water and geothermal rights; and leases properties for grazing and agricultural uses. In addition, it acquires and develops residential lots, primarily in California. Further, PICO Holdings engages in the acquisition and financing of businesses. PICO Holdings, Inc. was founded in 1981 and is based in La Jolla, California.

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