Jones Brown is a Canadian-owned insurance brokerage and consulting company incorporated in 1997. We were founded at a time when traditional distribution channels had begun to erode and, as a consequence, insurance buyers were faced with the prospect of diminishing service and the breakdown of longstanding relationships. We believed at that time that the mega-mergers of the large brokers, the rush of the smaller brokers to join publicly financed 'pools' and the intrusion of other financial institutions into the business of insurance created an industry-wide distraction from client focus. Time has shown that our beliefs were well-founded, and the need for our specialized services to fill the void has grown considerably. An underlying principle of our business plan is to develop and maintain close and long-term client relationships. By avoiding unnecessary layers of administration we can be more immediately available to our clients. Our approach is basic and effective; when a relationship with a new client is established, the first thing we do is determine their exposures to financial risk. A program is then developed to manage the risk, and provide insurance if and when required. We take pride in being innovative, and the program we develop may be a refinement of the current one or, if warranted, a total departure. Either way, the result will be practical and cost-effective for the client. At Jones Brown, our experienced professionals take pride in developing close, long term relationships with our clients, and in providing them with maximum value for every dollar spent to protect them from loss.
AMRRP provides insurance protection at equitable pricing, risk management assistance and long-term financial security for Members. The AMRRP, governed by a nine-member Board of Trustees, is a member owned and directed not-for-profit organization operating for the benefit of its Members. AMRRP is the largest insurer of small to medium sized Arizona municipalities, providing comprehensive insurance protection with a variety of coverage options and individual account underwriting. Risk management, loss prevention, education and training are key elements in the success of the AMRRP program.
Brant Mutual Insurance Company is your company, owned by you, and we are committed to serving you with professionalism and integrity. The Insurance Industry recently demonstrated its commitment to keeping consumers fully informed. We fully support total consumer knowledge and awareness. In keeping with our Code of Consumer Rights and Responsibilities, we feel that you have the right to know how our sales distributors (Agents & Brokers) are compensated. Brant Mutual distributes its insurance products through licensed agents (distribute only Brant Mutual products) and brokers (distribute Brant Mutual's products along with others insurers). These Agents and Brokers are located throughout our areas of operation within Ontario. We consider this to be the most effective method of distribution. Our Agents and Brokers live in the communities that Brant Mutual serves and we believe they provide the best possible service and advice to our Policyholders. We are very proud of these knowledgeable and professional individuals. Our Agents and Brokers exercise the utmost diligence, honesty and good faith when performing their duties, in properly and promptly servicing policies, and in our communications and dealings with Policyholders. Our Agents and Brokers are compensated for the services they provide by means of a commission schedule, which is included in our contractual agreement. The schedule is as follows: Automobile Policies: 5.0% to 12.5% of the premium. Farm Policies: 9% to 20% of the premium. Residential Policies: 9% to 20% of the premium. Commercial Policies: 9% to 20% of the premium Contingent Profit Commission: This agreement is available to some of our distributors to recognize the contribution of the individual Agent's or Broker's Policyholders to the profitability of all Policyholders. The formula used takes into account: The earned premiums generated from business written by the Agent/Broker. The cumulative 3-year average experience for claims generated from business written by the Agent/Broker including adjusting costs. The operating expenses, including reinsurance costs, allocated to the Agent/Broker. If the calculation generates a profit, a portion of that profit is paid to the Agent/Broker, if no profit is generated no payment is made. The amount payable under the Contingent Profit Commission is capped at a percentage of gross profit. Total commissions paid to distributors in 2004 were $712,258 ($652,398 in 2003). This represents 12.3% of Written Premium for 2004 (12.5% in 2003). Contingent profits paid to distributors in 2004 and 2003 are included in the above totals. Brant Mutual Insurance Company has no equity position in any brokerage business. In addition, Brant Mutual Insurance Company has not made any loans or provided any other financial support to our Brokers in the development of their brokerage business, to acquire other brokerages or to facilitate succession among partners due to say, retirement. Brant Mutual Insurance Company would only provide broker loans or business financing if it was deemed by the Board of Directors and Management to be in the best interests of our Policyholders. If you have any questions, please contact us.
The Duke Agency is now an affiliate of TexCap-Concord Insurance Services. Please visit our new website at www.texcap-concord.com.
Jones DesLauriers Insurance Management Inc. offers only the best commercial insurance, personal insurance, and financial services experience to each of our valued clients. We leverage our people, our strengths and our extensive knowledge to develop creative insurance solutions that are as hard working as you are. We are the broker of choice for quality conscious insurance buyers who appreciate thoroughly planned, cost effective strategies to risk management - to help them make smart insurance decisions and enhance their opportunities. The brokerage is built on the merging of two dynamic companies. Together, these two organizations create a unique blend of strengths - the diversity, knowledge base and service offering of a larger company, combined with the flexibility and personalized approach of a smaller company. It's a "best of both worlds" experience that you will only find with Jones DesLauriers Insurance Management Inc.
Since 1879, Midstate Mutual Insurance Company's mission has been to provide our policyholders throughout upstate New York with quality business and property insurance protection, developing a variety of products and coverage to meet our policyholders' changing needs. This has been done while keeping premiums competitive and the financial condition of the company strong. Throughout the decades, the proof that Midstate Mutual Insurance Company has met this mission has been through our growth. We now have over 12,000 policyholders for which the company provides both personal lines and commercial lines policies. This has resulted in premium growth of over $11.7 million. Originally, our products were sold by director/agents who sold policies to their relatives, friends and neighbors. Now, we are represented by over 180 independent agents in over 220 locations across New York State.
PIB is an affiliate of a multi-line Insurance and Financial Services brokerage operation. Our goal is to offer you exceptional service, competitive pricing and quality products. Our organization is comprised of 3 distinct divisions: Programmed Insurance Brokers Inc. (PIB) - offering Home, Auto and Commercial Insurance as well as Life, Living Benefits and Estate Planning, and PIB Financial - our Financial Planning and investment services division. RWAM Disability Management Inc. operates as a disability management company specializing in early intervention and resource management.
http://www.integrityinsurance.com
Integrity Insurance is firmly rooted in Appleton, Wisconsin, the heart of the Fox Cities. In the midst of a growing community, Integrity Insurance associates are excited at the prospects of a growing company and the opportunities this growth presents. We are committed to developing a familial culture based around our values: Integrity, Candor, Ownership, Teamwork and Do The Right Thing. Integrity Insurance strives toward creativity among the associates, which in turn fuels the success of the company. We are committed to providing and maintaining an open work atmosphere where associates' ideas are cultivated into everyday processes. In doing so, we consistently seek input from our associates through surveys, committees and participation in strategic planning sessions. By allowing our associates the freedom to make independent decisions, they are able to see the immediate impact of their contributions. We recognize the benefits of developing our associates to reach their full potential and we promote a workplace where all associates have the opportunity to learn, develop, contribute, and challenge the status quo. Our award winning, modern facility offers a warm feeling and a comfortable work environment. To assist in the well being of our associates, Integrity Insurance offers an onsite fitness center with full locker room facilities. In addition, our business casual dress standards lend to a comfortable work environment. During the summer months we have a revised schedule that allows us to work half days on Fridays. These are just a few of the reasons that Integrity Insurance is a great place to work!
http://www.businessriskpartners.com
Business Risk Partners specializes in Errors and Omissions (E&O) insurance protection. Our mission is to combine E&O underwriting expertise with web-based technology to provide excellent underwriting and service to our agent and broker partners and their clients. And, we've partnered with the financial strength of Lloyd's, an internationally recognized leader in specialty insurance coverage.
Founded in 1989, The Whitmore Group, Ltd. has steadily built our business beyond insurance brokering. Each of our managers is vital to the operation and structure of The Whitmore Group. I invite you to review our website for information about the divisions of The Whitmore Group and our management team. Working together is something The Whitmore Group does exceptionally well. At The Whitmore Group, we understand the importance of providing insurance products that meet the needs and concerns of our clients as well as building relationships that stand the test of time. That is why, at The Whitmore Group, A Relationship Is A Partnership. The Whitmore Group, Ltd. provides the gamut of insurance products and services such as Commercial Property and Casualty, our specialized Funeral Services Program, Personal Insurance, Health Benefits, Life Insurance and Estate Planning, Financial Services, Real Estate Insurance Programs, and Claim Services. The Whitmore Group is committed to simplifying the insurance purchasing process for our clients while securing their coverage with only the finest insurance providers available. For these reasons, we encourage you to communicate your reaction. Your comments and thoughts are most welcome as we continue to serve you better. I can be reached directly at JMetzger@whitmoregroup.com. Please accept my personal thanks for visiting our website and your interest in The Whitmore Group.
CAA Saskatchewan has been helping motorists since 1917. Whether you are in Saskatchewan or anywhere in North America, CAA is there for you. CAA Saskatchewan offers a variety of memberships to meet the various needs of our members. From the Basic to the Plus RV, there is a membership that will give you the coverage you need. A CAA Saskatchewan membership has never been worth more! Our wide range of automotive, travel, insurance and auto repair services is frequently being expanded and revised to meet the changing needs of our members. For information on our membership services, choose from one of the options in the menu above. Or, you can join CAA Saskatchewan online.
Sabal Insurance Group is a full-service insurance agency specializing in the development of innovative insurance solutions for commercial clients. Commercial insurance is our focus and expertise. We provide insurance for property, general and professional liability, medical and legal liability, workers' compensation and automotive and truck fleets. Sabal Insurance Group also has niche specialties in home health and hospice, affordable housing, surety bonding, export trade credit, risk management and employee benefit programs. We serve a diverse client base that spans the United States and Latin America from our headquarters in Fort Lauderdale, Florida. Unlike company-owned agencies, Sabal Insurance Group represents more than one insurance carrier, so we offer our clients a wider choice of insurance products and coverage at the best available price. We add exceptional value to insurance and risk management programs through creative ideas and aggressive representation of our clients' interests. We are committed to being one of the premier independent insurance agencies in the United States, while maintaining the highest ethical standards and credibility with our clients, carriers and the public. Sabal Insurance Group is a Proud Member of: PCA Logo NAHC Logo
Berger & O'Neal is a firm of proven professionals. We are caring and conscientious people that you can depend on. We have a commitment to maintain a high standard of excellence and create a lasting relationship of mutual trust and service with each of our clients. With over 150 years of combined experience, our staff is qualified to analyze your insurance needs and provide you with the coverage and service that you would expect from a professional insurance agency.
RGI Insurance Services provides insurance protection for doctors and medical groups. Our unique approach, helps our clients save time and money so they can focus on the success of their practice. We protect our clients by offering competitively priced insurance products that successful practices need including
Mauritian Eagle Insurance Company Limited carries out short and long term insurance businesses while its subsidiary Mauritian Eagle Leasing Co Ltd is a company dealing in finance leases. Short term insurance comprises general insurances and covers fire and allied perils, accidents, marine, motor and travel. Long term insurance relates to life assurances and pension plans. (Source: ARS)
Unigard markets insurance through licensed independent insurance agencies in approximately 600 locations spanning the states of Arizona, California, Idaho, Montana, Nevada, Oregon, Utah and Washington. Seven branch offices provide local service and authority for commercial underwriting, sales and claims service to agents and policyholders.
JBL&K is an employee-owned independent agency. Unlike national firms whose decision-makers are located elsewhere, we are local, influential and responsive. JBL&K is very committed to remain an independent agency and provide the most comprehensive insurance and risk management services available.
Holman Insurance Brokers Ltd. is dedicated to selling and servicing quality insurance products designed to best meet the needs of our customers. These services are offered through stable and strong insurers, at a competitive price that reflects our commitment to customer satisfaction, employee happiness, and the highest standards in the industry. The values we believe in at Holman include: Integrity, quality, sincerity, professionalism, and prompt courteous service.
CAPCO provides coverage for only one line of business, so it is not subject to potential losses in other lines of insurance. CAPCO provides protection which is not subject to a monetary limitation for any one Investor account or in total upon the default or insolvency of the Principal. Q. Will CAPCO be able to respond to claims? CAPCO has received an A+ credit and financial strength rating from Standard & Poor's and is licensed by the state of Vermont to write Excess SIPC protection. As noted above, CAPCO was capitalised by the 15 firms that formed it and has a very strong reinsurance program (all current reinsurers are rated AAA). Q. What kind of experience/history does CAPCO have in responding to claims? There have been very few, if any, Excess SIPC claims paid by any insurance carrier since this type of protection was first offered in the marketplace. As a newly formed company, CAPCO has no experience responding to Excess SIPC or Excess FSCS protection claims. Accordingly, CAPCO has retained service providers with claims experience in many other lines of insurance to assist in the event claims are incurred. In order to facilitate an orderly and timely claims process in the unlikely event of a claim, CAPCO and its advisors have designed a comprehensive claim form which is available for client review on CAPCO's website www.capcoexcess.com. Q. How does an Investor with a protected broker subsidiary in the United Kingdom submit a claim to CAPCO? The Investor should follow the claims submission procedures specified in CAPCO's Surety Bond Claim Form, a copy of which is provided on the CAPCO website www.capcoexcess.com.
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