d i a g n o s i s : F r a u d a n n u a l r e p o r t

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d i a g n o s i s :

F r a u d

2 0 1 1 a n n u a l r e p o r t

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President’s Letter: Applying the Right Antidotes

Data Analytics: The Art and Science of Fraud Diagnosis Investigations: Improving a Well-Oiled Machine

Training: Expanding Your Options

Legislative Advocacy: When Bigger Really is Better

Public Awareness: Let’s Put the Insurance Fraud Yahoo on YouTube

Membership Listing

Board of Governors

Advisors to the Board

NICB Senior Leadership Team

Financial Statements

Information Resources

t a b l e o F c o n t e n t s

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There’s a highly popular, Emmy-winning television show that has aired for nine seasons called “House M.D.” It’s about an unconventional, yet brilliant, doctor and his team of inquisitive young physicians who diagnose the undiagnosable. All within the span of an hour, they encounter an extraordinarily challenging medical problem, debate various hypotheses and treatments, and save the patient. They do it episode after episode, year after year, with a 100 percent cure rate. And through it all, Dr. House and his team keep us entertained in the process.

If only diagnosing and curing insurance fraud and vehicle theft were that easy.

In 2011, the National Insurance Crime Bureau (NICB) completed its 99th season of providing the property-casualty insurance industry, self-insured organizations and the American public with unique solutions for detecting, deterring and stopping insurance crime. In that long time span, we haven’t eradicated this annual multi-billion dollar disease. But each year, we make progress in diagnosing its symptoms, treating the root causes and stopping its infectious spread.

The NICB’s progress can be attributed to several factors, beginning with the support of our nearly 1,100 members and hundreds of partners in the law enforcement and prosecutorial communities who have rallied behind the anti-fraud cause for so many years. Your continuing interest in uncovering fraudulent claims and holding criminals accountable for their actions is the starting point for every NICB solution. Secondly, we have a powerful internal guide for every successful NICB diagnosis: the Integrated Business Plan, or IBP. Enacted three years ago, this strategic plan continues paying dividends for our members and other stakeholders. As you’ll read in this year’s annual report, our five operational disciplines made measurable progress in achieving and exceeding IBP performance metrics during 2011.

The NICB’s adaptability is another key contributing factor. We’ve recognized in recent years that our 350-plus employees must maintain constant flexibility when developing and deploying resources against shifting crime trends.

For example, as a result of a myriad of factors that include data analytics advancements, expanded investigative and training capabilities, aggressive law enforcement and prosecution, legislative

President’s Letter

APPLying the

right Antidotes

improvements and boosted public awareness initiatives, vehicle thefts nationwide declined 60 percent from 2000 to 2010. While many vehicle criminals certainly went to prison, thanks to our collective efforts, others migrated to alternative scams that offered lower risks and higher potential payoffs.

Given this changing landscape, the NICB has shifted upward of 10 percent of our investigative resources since 2008 from vehicle theft to other growing criminal priorities affecting members, particularly medical and commercial fraud, specialized equipment crimes and cargo theft. Critically, we’ve made these adjustments without detrimentally affecting our vehicle theft recoveries, as evidenced by the more than 4 percent increase in NICB agent vehicle recoveries last year from 2010. Credit the IBP’s adaptive structure and our team’s ingenuity for achieving these transitions, as well as the $326 million in minimum estimated value which we returned to member companies last year.

What these factors all clearly point to is that there is no single cure for fraud and theft. We know this well after nearly 100 years of applying various remedies. But by sharing information, applying new technologies and integrating our collective expertise, together we are the long-term cure-all to crimes affecting every insurance policyholder nationwide. Like the fictional Dr. House and his colleagues, the NICB has yet to be stumped by the global pandemic known as insurance crime. We simply need more than an hour each week to diagnose the problem and apply the right antidotes.

Joseph H. Wehrle, Jr.

President and Chief Executive Officer

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There’s an art behind this science.

In 2011, we reorganized the NICB analytics staff into medical, commercial and vehicle teams to more effectively address member priorities and paint a better fraud-fighting landscape nationwide.

Designed to root out medical provider fraud, waste and abuse, the Aggregated Medical Database continued along its development path for a 2012 launch. However, we began distributing its initial deliverable, MedAWARESM Alerts, to participating members last year. We published and disseminated 155 MedAWARE

Alerts in 2011, which resulted in connections to existing cases and several new case initiations. The alerts diagnosed questionable upcoding and unbundling billing practices, modifier abuses, and template billing practices in which medical facilities billed large percentages of patients with identical diagnoses and procedure codes. The Commercial Liability Claims Project demonstrates another unique skill of our data analytics discipline. To identify individuals potentially engaged in commercial liability fraud, we analyzed claimants from 2008 to 2011 to uncover those with elevated numbers of relevant commercial liability claims.

Unlike their applicability to many other NICB analyses, questionable claims are not necessary for producing effective commercial liability

claim investigative leads. Oftentimes, the suspicious nature of elevated claims — rather than questionable indicators — is cause enough to issue Strategic Information Reports to NICB field staff and subsequent ForeWARNSM Alerts to members. During this project, we issued 50 ForeWARN Alerts, opened 44 cases, and

identified many individuals submitting potentially fraudulent commercial liability claims who previously went undetected.

While we redeployed some NICB resources to new and expanding crime categories, our vehicle theft analytics expertise flexed its 99 years of collective strength in 2011 through the Vehicle Theft Leads Initiative. This program analyzes vehicle history and vehicle identification number (VIN) information to proactively identify stolen vehicles, vehicle fraud, counterfeit VINs and organized crime ring activity.

Working with the New York Department of Motor Vehicles, as well as Experian (a global information services company that manages an online automotive history service) and Carco (a leading provider of vehicle pre-inspections nationwide), we disseminated 126 investigative leads through the Vehicle Theft Leads Initiative that resulted in 59 vehicle recoveries valued at $1.75 million. Further, the effort supported a law enforcement investigation of a large-scale vehicle theft ring that led to several arrests.

dAtA AnALytics

the Art And science

of frAud diAgnosis

Questionable

Claim Submissions ForeWarnSM

Strategic Alerts Published Medical Fraud Task Force Alerts Published Public ForecastSM

Reports Published

MedaWareSM

Alert

Identifications

s t a t i s t i c s

100,450

343

878

19

NICB data analytics professionals examine insurance crimes in a one-of-a-kind living laboratory comprised of millions of data records, advanced technologies and specialized software

applications. Using high-tech tools, we diagnose fraud and theft trends, uncover organized crime patterns, and produce volumes of analysis with the skill and accuracy of laboratory scientists.

5

169 medical providers, 144 medical clinics, 251 different locations in 17 states

Vice President of Data Analytics Brian Smidt addresses medical fraud technologies and our new MedAWARE program at the International

Association of Special Investigation Units (IASIU) Annual Seminar and Expo in San Antonio.

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And who were the beneficiaries of this well-oiled investigative expertise and field support? NICB members and the American public. While we did not start any new Major Medical Fraud Task Forces in 2011, we improved our existing groups by ensuring they worked at full capacity, leveraged their access to investigative leads provided by NICB data analysts, and efficiently prioritized their organized crime ring cases.

NICB agents and Medical Fraud Task Force team members also expanded their efforts to educate local prosecutors on the scope and seriousness of medical fraud crimes, and why they should pursue these cases. Diagnosing and investigating medical fraud crimes is just the start — we must also work collectively to prosecute them as well.

Specialized equipment theft continued to capture more NICB investigative attention in 2011. We strengthened our partnerships with several manufacturers of agricultural and heavy equipment, boats and power sports equipment by building the technical infrastructure to obtain their shipping and assembly records, warranty data and updated vehicle marking information that can prove crucial to NICB investigations and recoveries.

Further, we provide training to manufacturers and law enforcement agencies on specialized equipment theft scams and identification techniques. Through these outreach efforts and information exchanges, we create faster and more effective diagnoses of criminal problems and promote more powerful solutions.

Our field operations staff was also quick to respond to the outbreak of natural disasters that devastated many U.S. communities last year. For instance, following massive tornadoes in Alabama and Missouri, we immediately published Catastrophe Advisories to alert members about potential fraud scams, many of which are perpetrated by criminals who arrive on-site after the initial damage period with offers to repair houses and commercial properties. Their resulting shoddy work and fraudulent claims contribute billions of dollars in losses to NICB members and can imperil the safety of innocent policyholders. We also served as a catastrophe investigative liaison for local law enforcement agencies.

Another change implemented in 2011 was a reorganized field structure that streamlined our investigative discipline into nine regions, and now allows us to place greater investigative emphasis and additional resources toward growing medical-related fraud crimes.

investigAtions

imProving A

WeLL-oiLed mAchine

Since the days of our predecessor organizations, the National Automobile Theft Bureau and Insurance Crime Prevention Institute, the NICB has been characterized as the grease between the two huge gears of law enforcement and the insurance industry. In a year when shrinking municipal budgets stretched law enforcement resources nationwide, NICB Field Operations provided extraordinary operational support in 2011 to help law enforcement agencies battle such crimes as medical fraud, specialized equipment theft, catastrophe fraud, and domestic and international vehicle theft.

7 NICB Agent

Vehicle Recoveries/ Estimated Value NICB Agent Specialized Equipment Recoveries/ Estimated Value NICB Agent Cargo Theft Property Recoveries/ Estimated Value Member-Reported Loss Mitigation Restitution Ordered

s t a t i s t i c s

15,394/

$48,460,618

816/

$12,250,552

66/

$5,441,967

$37,113,087

$22,982,236

Senior Vice President and Chief Operating Officer Jim Schweitzer discusses vehicle repatriation issues with NICB staff at the Foreign Operations Office in Chula Vista, Calif.

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Since our training group’s inception, we have continually developed educational programming that provides options for NICB members and law enforcement agents to improve their anti-fraud knowledge. From printed training guides and indicators, to videos, to classroom and academy training, to online learning methodologies, we realize one training “size” doesn’t fit everyone’s needs.

Introduced in 2011, our Interactive Indicator Guide takes one of our most tried-and-true educational tools — NICB anti-fraud paper indicators — and elevates them to an electronic level that improves fraud diagnoses. Years in the making, this software application puts the NICB’s nearly 30 anti-fraud indicator documents at your fingertips so members can immediately identify potential red flags in claims submissions. The electronic guide is more than just a laundry list of indicators: You can interact with the software by selecting specific indicators; which then provides additional information concerning the indicator, potential resolution steps and the insurance lines most frequently affected by the indicator. With nearly 12,000 relationships programmed into the Interactive Indicator Guide, this diagnostic tool is a major evolution in anti-fraud detection and sets the framework for redesigned NICB paper indicators in 2012. Another new training option for NICB members is the TrueStorySM Case Study program. Developed with the International Association

of Special Investigation Units (IASIU) and available via the NICB Document Download Center (nicbdocs.org), these 13-and-counting interactive case studies eliminate the age-old teaching challenge of “lecturing” to non-engaged students. They can be used as a standalone training tool or in conjunction with other educational activities thanks to leader’s guides that accompany each study.

Designed to last 30 minutes or less, the case studies have students examine a claim actually submitted to a carrier (a true story), identify the scenario’s fraud indicators, describe potential steps to resolve the indicators, and determine how to process the claim. At the end of each study, students learn what happened in the true case.

Finally, your options for learning how to diagnose and apply appropriate treatments for medical fraud crimes expanded last year with the introduction of the NICB Medical Investigations Academy. Our latest academy format, the Medical Investigations Academy is an intensive four-day learning experience taught at our headquarters training facility by NICB special agents and Matt Kuschner, D.C., of the Travelers Medical Investigative Unit. This academy can facilitate 30 students per session and focuses especially on organized groups committing medical fraud crimes.

trAining

exPAnding your oPtions

Benjamin Franklin famously said that “an ounce of prevention is worth a pound of cure,” meaning that it is better to avoid problems in the first place, rather than fixing them after they arise. NICB training programs and educational services are that ounce of prevention when tackling weighty insurance crime problems.

9 Member Students

Trained in the FraudSmartSM

Classroom/ Number of Sessions NICTA Online Offerings Taken Value of Member Classroom and Online Training Training and Job Aid Materials Distributed and Downloaded Law Enforcement Student Classroom Enrollment/ Number of Sessions Visitors to nicbtraining.org, the NICB’s Free Law Enforcement Training Website Continuing Education Credits Processed by the NICB and NICTA

s t a t i s t i c s

15,247/582

73,900

$6,222,125

88,500

20,800/510

62,700

14,188

Special Agent Dennis Handley presents during a 2011 Medical Investigations Academy course.

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Stepping back a year, among the key issues we diagnosed during our 2010 Texas Insurance Fraud and Vehicle Theft Summit was a loophole in the state’s immunity statute that hampered information sharing with the NICB. As a result, some NICB members in Texas were reluctant to share files with us, thus inhibiting our ability to detect, deter and stop the Lone Star state’s growing staged accident, property fraud, cargo theft and towing fraud problems...not to mention potential links between these crimes and organized rings nationwide.

Working with the Texas Department of Insurance in the state capital of Austin, our government affairs team mobilized an effort to fix this statute in 2011. More than a simple technical correction that offers our members immunity assurance when sharing information with the NICB, the statute adjustment produced big improvements in how you share information and investigate cases with NICB agents in our Dallas-based Southwest Region.

Just 80 miles south of Austin in San Antonio, we made our debut last year as an exhibitor at the National Conference of State Legislatures (NCSL) Legislative Summit. With more than 5,000 attendees, this event is the premier annual gathering of state lawmakers from around the country, and we were the only insurance advocacy group represented there. Being an NCSL exhibitor provided us with a new opportunity to educate legislators and influential public policy experts on fraud issues affecting their communities. Not only did we provide them with critical information and data,

but NICB President and Chief Executive Officer Joe Wehrle also met with Texas House Speaker Joe Strauss during the conference. This San Antonio premiere set the stage for expanding our NCSL presence when the event comes to our hometown of Chicago in 2012.

Speaking of summits, our own highly successful fraud summit program also got bigger and better last year as we expanded it from the single-state format to a multistate approach combined with a federal component. The 2011 Federal/Mid-Atlantic (FMA) Insurance Fraud Summit assessed insurance crime issues affecting Virginia, Maryland and Washington, D.C., and reviewed the NICB’s involvement in such federal initiatives as the National Motor Vehicle Title Information System and the regional health care fraud summits co-sponsored by the Departments of Justice and Health and Human Services.

The FMA Summit convened more than 230 attendees and distinguished panelists from the insurance industry, federal government agencies and local prosecutorial offices. Together, we discussed and devised meaningful action steps for such big regional crime issues as medical fraud, staged accidents, towing-related fraud, and abuses by property and public adjusters.

Finally, in preparation for the Florida 2012 legislative session, we hosted public town hall meetings in Tampa, Orlando and Miami to highlight the effects and impact of the personal injury protection (PIP) reform issue for consumers.

LegisLAtive AdvocAcy

When Bigger reALLy

is Better

Federal/Mid-Atlantic Insurance Fraud Summit Attendees Federal/Mid-Atlantic Insurance Fraud Summit Recommendations Florida PIP Town Hall Meetings

States Where the NICB Has Direct Legislative Involvement on Fraud and Theft Issues

s t a t i s t i c s

238

15

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Bigger isn’t always better. But in big states like Texas that have experienced significant increases in insurance crime in recent years, little changes weren’t good enough in 2011.

11

Government Affairs Director Tim Lynch moderates a panel discussion on organized fraud rings at the Federal/Mid-Atlantic Insurance Fraud Summit.

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In 2011, the communications and membership group deployed proven public relations methods, along with new media technologies, to spread the word about fraud and theft crimes and get the American public as mad about them as we are.

The past year was an especially difficult one for many areas of the country hit hard by catastrophic tornadoes, hurricanes and wildfires. Using the multimedia reach of news releases, billboards and radio ads, we unleashed a storm of our own by warning consumers about contractor scams that oftentimes occur following these acts of nature. Our campaign to stop “storm chasers” and prevent towing scams resulted in hundreds of stories, including several by investigative reporters at Chicago’s WBBM-TV and CBS News.

However, the NICB public awareness whirlwind didn’t stop after the storms passed.

Our ongoing communications campaigns about PIP fraud and staged accidents in Florida and New York informed consumers about how fraud impacts their household vehicle insurance budgets. These publicity efforts helped generate some of the nearly 7,000 tips that came in to our 800-TEL-NICB and TIP411 text messaging hot lines.

In total, the NICB was mentioned in more than 10,000 print, television, radio and online news stories during 2011, with the corresponding media coverage value surging 53 percent to $39 million from the previous year. These statistics are dramatically higher than those from just three years ago when we launched the Integrated Business Plan, and directly related to our enhanced public awareness focus as one of the NICB’s five core disciplines.

We also expanded our video production and distribution capabilities, with more than 50 videos now available on our website and YouTube channel. Among other initiatives, we launched NICB News, a quarterly newscast on insurance fraud, and began producing live webinars that included more than 9,000 views from the 26th Annual IASIU Seminar & Expo. Our communications team members also maintained an active NICB social media presence on Twitter, Facebook, LinkedIn and the new NICB Blog (www.nicbblog.org). Communicating our crime-fighting efforts to NICB members and the American public is something we work hard at every day, and we were pleased to have our 2010 Annual Report recognized for top Gold Award honors by the Washington, D.C.-based Association TRENDS’ All Media Contest.

PuBLic AWAreness

Let’s Put the insurAnce

frAud yAhoo on youtuBe

Like any disease, diagnosing fraud is one thing. Halting its spread and curing it altogether is another. From our experience, we know that two key components to stopping insurance crime are: 1) public awareness, and 2) public outrage.

13 Online News

Media Stories/ Coverage Value Print News Media Stories/Coverage Value

Broadcast News Media Stories/ Coverage Value Total Coverage Value of All Media

s t a t i s t i c s

4,352/

$33,429,657

4,216/

$4,132,910

1,577/

$1,830,877

$39,393,444

Vice President and Chief Communications Officer Roger Morris is interviewed by WBBM-TV/ Chicago Investigative Reporter Pam Zekman regarding our 2011 towing fraud campaign.

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AAA Northern California, Nevada & Utah Insurance Exchange

AAA Mid-Atlantic Insurance Company AAA Mid-Atlantic Insurance Company

of New Jersey ACA Insurance Company

California State Automobile Association Inter-Insurance Bureau

Keystone Insurance Company Western United Insurance Company

ACCC Insurance Company

Access Insurance Company

Accident Fund Group

Accident Fund General Insurance Company

Accident Fund Insurance Company of America

Accident Fund National Insurance Company

Compwest Insurance Company Third Coast Underwriters

United Wisconsin Insurance Company

ACE USA Group

ACE American Insurance Company ACE American Lloyds Insurance

Company

ACE American Reinsurance Company ACE Fire Underwriters Insurance

Company

ACE Indemnity Insurance Company ACE Insurance Company of Illinois ACE Insurance Company of Ohio ACE Insurance Company

of the Midwest

ACE Property and Casualty Insurance Company

Atlantic Employers Insurance Company Bankers Standard Fire and Marine

Company

Bankers Standard Insurance Company Century Indemnity Company

Century Reinsurance Company Illinois Union Insurance Company Indemnity Insurance Company

of North America

Insurance Company of North America

Pacific Employers Insurance Company

Westchester Fire Insurance Company Westchester Surplus Lines Insurance

Company

Affirmative Insurance Group Affirmative Insurance Company Affirmative Insurance Company of

Michigan

Insura Property and Casualty Insurance Company, Inc.

US Agencies Casualty Insurance Company, Inc.

US Agencies Direct Insurance Company

Alliance Insurance Companies

Alliance Indemnity Company Alliance Insurance Company, Inc. Farmers Alliance Mutual Insurance

Company

Alliance United Insurance Company

Allianz U.S. Group

Allianz Global Risks U.S. Insurance Company

Allianz Life Insurance Company of New York

Allianz Life Insurance Company of North America

Allianz Underwriters Insurance Company

American Automobile Insurance Company

American Insurance Company American Standard Lloyd’s Insurance

Company

Associated Indemnity Corporation Chicago Insurance Company Euler American Credit Indemnity

Company

Fireman’s Fund County Mutual Insurance Company

Fireman’s Fund Indemnity Corporation Fireman’s Fund Insurance Company Fireman’s Fund Insurance Company

of Georgia

Fireman’s Fund Insurance Company of Hawaii, Inc.

Fireman’s Fund Insurance Company of Louisiana

Fireman’s Fund Insurance Company of Ohio

Interstate Fire & Casualty Company Interstate Indemnity Company Jefferson Insurance Company National Surety Corporation

San Francisco Reinsurance Company Vintage Insurance Company

Allstate Insurance Group

ALIC Reinsurance Company Allstate Assurance Company Allstate County Mutual Insurance

Company

Allstate Floridian Insurance Company Allstate Indemnity Company Allstate Insurance Company Allstate Life Insurance Company

of New York

Allstate New Jersey Insurance Company

Allstate New Jersey Property and Casualty Insurance Company Allstate North America Insurance

Company

Allstate Property and Casualty Insurance Company Allstate Texas Lloyd’s American Heritage Life Castle Key Indemnity Company Castle Key Insurance Company Charter National Life Insurance

Company

Deerbrook Insurance Company Encompass Floridian Indemnity

Company

Encompass Floridian Insurance Company

Encompass Home and Auto Insurance Company

Encompass Indemnity Company Encompass Independent Insurance

Company

Encompass Insurance Company Encompass Insurance Company

of America

Encompass Insurance Company of Massachusetts

Encompass Insurance Company of New Jersey

Encompass Property and Casualty Company

Encompass Property and Casualty Insurance Company of New Jersey First Colonial Insurance Company Intramerica Life Insurance Company

Lincoln Benefit Life Company

North Light Specialty Insurance Company (North Light) Northbrook Indemnity Company Surety Life Insurance Company

Ally Insurance Holdings, Inc.

CIM Insurance Corporation

MIC Property and Casualty Insurance Corporation

Motors Insurance Corporation

AMERCO Corp Group

Amerco Corp

North American Fire & Casualty Insurance Company

Republic Western Insurance Company

American Alliance Casualty Company

American European Group

American European Insurance Company

Rutgers Casualty Insurance Company Rutgers Enhanced Insurance Company United International Insurance

Company

American Family Insurance Group

American Family Insurance Company American Family Life Insurance

Company

American Family Mutual Insurance Company

American Standard Insurance Company of Ohio

American Standard Insurance Company of Wisconsin

American Freedom Insurance Company

2011 Active memBer grouPs

American General Holdings, Inc.

Apollo Casualty Company of Florida Apollo Casualty Insurance Company Delphi Casualty Company

American Insurance Acquisition, Inc. (AIAI)

American Country Insurance Company

American Service Insurance

Company, Inc.

American Modern Insurance Group

American Family Home Insurance Company American Modern Home

Insurance Company

American Modern Insurance Company of Florida

American Modern Lloyds Insurance Company American Modern Select

Insurance Company

American Modern Surplus Lines Insurance Company

American Southern Home Insurance Company American Western Home

Insurance Company

First Marine Insurance Company

American National P&C Group

American National County Mutual Insurance Company

American National General Insurance Company American National Lloyds

Insurance Company

American National Property and Casualty Company

Anpac Louisiana Insurance Company Farm Family Casualty Insurance Company

Pacific Property & Casualty Company

United Farm Family Insurance Company

American Road Insurance Company, Inc.

American Safety Insurance Companies

American Safety Casualty Insurance Company

American Safety Indemnity Company American Safety Risk Retention Group

Ameriprise Auto & Home Insurance

Ameriprise Auto & Home Insurance IDS Property Casualty Insurance

Company

Amica Mutual Group

Amica Life Insurance Company Amica Lloyds of Texas

Amica Mutual Insurance Company Amica Property and Casualty

Insurance Company

Anchor Insurance Holdings Group

Anchor General Insurance Company

Pacific Star Insurance Company Arbella Insurance Group

Arbella Indemnity Insurance Company Arbella Mutual Insurance Company Arbella Protection Insurance

Company, Inc.

Commonwealth Mutual Insurance Company

Commonwealth Reinsurance Company

Covenant Insurance Company AssuranceAmerica Insurance

Company

Assurant Solutions

American Bankers Insurance Company of Florida

American Reliable Insurance Company American Security Insurance Company Caribbean American Property

Insurance Company Financial Insurance Exchange Reliable Lloyds Insurance Company Voyager Indemnity Insurance Company Voyager Property and Casualty

Insurance Company

Auto Club Group - Michigan

Auto Club Group Insurance Company Auto Club Insurance Association Auto Club Property and Casualty

Insurance Company MEEMIC Insurance Company Memberselect Insurance Company

Auto Club Insurance Company of Florida

Auto Club South Insurance Company

AutoOne Insurance

AutoOne Insurance Company AutoOne Select Insurance Company

Auto-Owners Insurance Group

Auto-Owners Insurance Company Home-Owners Insurance Company Owners Insurance Company Property-Owners Insurance Company Southern-Owners Insurance Company

Balboa Insurance Group

Balboa Insurance Company Balboa Life Insurance Company Balboa Life Insurance Company

of New York

Balboa Lloyds Insurance Company Fleet Insurance Company

General Fidelity Insurance Company Meritplan Insurance Company Newport Insurance Company

Baldwin & Lyons Group Protective Insurance Company

Sagamore Insurance Company

BCS Insurance Group

BCS Insurance Company BCS Life Insurance Company Plans Liability Insurance Company

Berkshire Hathaway Insurance Group

Columbia Insurance Company GEICO Casualty Company

GEICO General Insurance Company GEICO Indemnity Company

Government Employees Insurance

Company

National Fire & Marine Insurance Company

National Indemnity Company National Indemnity Company of

Mid-America

National Indemnity Company of the South

National Liability & Fire Insurance Company

Brethren Mutual Insurance Company

BrickStreet Mutual Insurance Company

California Casualty Group

California Casualty & Fire Insurance Company

California Casualty General Insurance Company of Oregon

California Casualty Indemnity Exchange California Casualty Insurance Company

Capital Insurance Group

California Capital Insurance Company Eagle West Insurance Company Monterey Insurance Company

Nevada Capital Insurance Company CASCO Indemnity Company

Caterpillar Insurance Company

Centennial Casualty Company

Central Services Group

A. Central Insurance Company

New York Central Mutual Fire Insurance Company

Century-National Insurance Company

Chubb Group of Insurance Companies

Chubb Custom Insurance Company Chubb Indemnity Insurance Company

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Chubb Insurance Company of New Jersey

Chubb Lloyds Insurance Company of Texas

Chubb National Insurance Company

Executive Risk Indemnity, Inc. Executive Risk Specialty Insurance

Company

Federal Insurance Company Great Northern Insurance Company

Northwestern Pacific Indemnity

Company

Pacific Indemnity Company Texas Pacific Indemnity Company

Vigilant Insurance Company

Cincinnati Financial Corporation

Cincinnati Casualty Company, The Cincinnati Indemnity Company, The Cincinnati Insurance Company, The Cincinnati Specialty Underwriter, The

Citizens Property Insurance Corporation

Civil Service Employees Group Civil Service Employees Insurance

Company

CSE Safeguard Insurance Company

CNA Insurance Companies

American Casualty Company of

Reading, Pennsylvania

Columbia Casualty Company Continental Casualty Company Continental Insurance Company Continental Insurance Company of New

Jersey, The

First Fire & Casualty Insurance of Hawaii, Inc.

First Indemnity Insurance Company of Hawaii, Inc.

First Insurance Company of Hawaii, Ltd.

First Security Insurance Company of Hawaii, Ltd.

National Fire Insurance Company of Hartford

Surety Bonding Company of America Transportation Insurance Company

Universal Surety of America

Valley Forge Insurance Company Western Surety Company

Commerce Insurance, a MAPFRE Company

American Commerce Insurance Company

Citation Insurance Company (MA) Commerce Insurance Company, The Commerce West Insurance Company MAPFRE Insurance Company

of Florida

Statewide Insurance Company

Companion Property and Casualty Insurance Company

Concord Group Insurance Companies

Concord General Mutual Insurance Company

Green Mountain Insurance Company, Inc.

State Mutual Insurance Company (ME) Sunapee Mutual Fire Insurance

Company

Vermont Accident Insurance Company, Inc.

Consumers Insurance USA, Inc.

CorePointe Insurance Company

Cornerstone National Insurance Company

COUNTRY Financial

Cotton States Mutual Insurance Company

Country Casualty Insurance Company Country Mutual Insurance Company Country Preferred Insurance Company Holyoke Mutual Insurance Company in

Salem

Middlesex Mutual Assurance Company

Modern Service Insurance Company

MSI Insurance Company Shield Insurance Company

Country-Wide Insurance Company CUNA Mutual Group

CUMIS Insurance Society, Inc.

CURE Auto Insurance

DHC Group

Danielson Insurance Company Danielson National Insurance Company National American Insurance Company

of California

Valor Insurance Company, Inc.

Direct Auto Insurance Company

Direct General Group

Direct General Insurance Company Direct General Insurance Company of

Louisiana

Direct General Insurance Company of Mississippi

Direct Insurance Company

Direct National Insurance Company

Donegal Insurance Group

Atlantic States Insurance Company Donegal Mutual Insurance Company Le Mars Insurance Company Michigan Insurance Company Peninsula Indemnity Company Peninsula Insurance Company Sheboygan Falls Insurance Company Southern Insurance Company of

Virginia

Southern Mutual Insurance Company

DTRIC Insurance Company, Limited

Electric Insurance Company

EMC Insurance Companies

Dakota Fire Insurance Company EMC Insurance Companies

EMC Property and Casualty Company EMC Reinsurance Company

EMCASCO Insurance Company Employers Modern Life Company Farm and City Insurance Company Hamilton Mutual Insurance Company of

Cincinnati, Ohio, The

Illinois EMCASCO Insurance Company Union Insurance Company of

Providence Erie Insurance Group

Erie Family Life Insurance Company Erie Insurance Company

Erie Insurance Company of New York Erie Insurance Exchange

Erie Insurance Property & Casualty Company

Flagship City Insurance Company

Esurance

Esurance Insurance Company Esurance Insurance Company of New

Jersey

Esurance Property and Casualty Insurance Company

Eveready Insurance Company

Everest Re Group

Everest Indemnity Insurance Company Everest National Insurance Company Everest Reinsurance Company Everest Security Insurance Company

Mt. McKinley Insurance Company

Fairfax Financial Group

Crum & Forster Indemnity Company Crum & Forster Insurance Company Crum & Forster Underwriters Company

of Ohio

Fairmont Specialty Insurance Company

North River Insurance Company, The

United States Fire Insurance Company Zenith Insurance Company

Zenith Star Insurance Company ZNAT Insurance Company

Farmers Insurance Exchange

21st Century Casualty Company 21st Century Insurance Company 21st Century Insurance Company of

the Southwest

AIG Advantage Insurance Company

AIG Auto Insurance Company of New Jersey

AIG Centennial Insurance Company

AIG Hawaii Insurance Company, Inc. AIG Indemnity Insurance Company AIG National Insurance Company, Inc. AIG Preferred Insurance Company AIG Premier Insurance Company American Federation Insurance Company American International Insurance Company American International Insurance Company

of California, Inc.

American International Insurance Company of Delaware

American International Insurance Company of New Jersey

American International Pacific Insurance Company American Pacific Insurance Company, Inc.

Bristol West Casualty Insurance Company Bristol West Insurance Company Bristol West Preferred Insurance Company

Civic Property and Casualty Company

Coast National Insurance Company Exact Property and Casualty Company Farmers Insurance Company of Arizona Farmers Insurance Company of Idaho Farmers Insurance Company of Oregon Farmers Insurance Company of Washington Farmers Insurance Company, Inc.

Farmers Insurance of Columbus, Inc. Farmers New Century Insurance Company Farmers New World Life Insurance Company Farmers Reinsurance Company

Farmers Texas County Mutual Insurance Company Fire Insurance Exchange

Foremost County Mutual Insurance Company

Foremost Insurance Company Grand Rapids, Michigan Foremost Lloyds of Texas

Foremost Property and Casualty Insurance Company Foremost Signature Insurance Company

Illinois Farmers Insurance Company Mid-Century Insurance Company Mid-Century Insurance Company of Texas

Neighborhood Spirit Property and Casualty Company New Hampshire Indemnity Company, Inc.

Security National Insurance Company (FL) Texas Farmers Insurance Company Truck Insurance Exchange

FBL Financial Group, Inc.

Farm Bureau Mutual Insurance Company KFB Insurance Company, Inc.

Western Agricultural Insurance Company

FCCI Insurance Group, Inc. Brierfield Insurance Company FCCI Advantage Insurance Company

FCCI Commercial Insurance Company FCCI Insurance Company

Monroe Guaranty Insurance Company National Trust Insurance Company

Federated Mutual Group

Federated Mutual Insurance Company

Federated Service Insurance Company Fidelity National Group

Fidelity National Insurance Company Fidelity National Lloyds

Fidelity National Property and Casualty

First Acceptance Insurance Group

First Acceptance Insurance Company of Georgia, Inc. First Acceptance Insurance Company of Tennessee First Acceptance Insurance Company, Inc.

First American Corporation

First American Home Buyers Protection Corp

First American Property & Casualty Insurance Company First American Specialty Insurance Company

First Chicago Insurance Company

Florists’ Mutual Group

Florists’ Insurance Company Florists’ Mutual Insurance Company

Founders Insurance Company

Gateway Insurance Company

Georgia Farm Bureau Group

Georgia Farm Bureau Casualty Insurance Company Georgia Farm Bureau Mutual Insurance Company

GeoVera Holdings, Inc. Group

GeoVera Insurance Company GeoVera Security Insurance Company GeoVera Specialty Insurance Company

Pacific Select Property Insurance Company Germania Mutual Group

Germania Farm Mutual Insurance Association

Germania Fire & Casualty Company Germania Insurance Company Germania Select Insurance Company Texas Heritage Insurance Company

Global Liberty Insurance Company of New York

GMAC Insurance Personal Lines Group

GMAC Insurance Company Online, Inc. GMAC Insurance Holding

Integon Casualty Insurance Company Integon General Insurance Corporation Integon Indemnity Corporation Integon National Insurance Company Integon Preferred Insurance Company MIC General Insurance Corporation National General Assurance Company National General Insurance Company New South Insurance Company

Gramercy Insurance Company

Grange Mutual Casualty Group

Grange Indemnity Insurance Company Grange Insurance Company of Michigan Grange Mutual Casualty Company

Grange Property & Casualty Insurance Company Integrity Mutual Insurance Company

Integrity Property & Casualty Insurance Company Trustgard Insurance Company

Great American Property and Casualty Insurance Group

American Empire Insurance Company

American Empire Surplus Lines Insurance Company Great American Alliance Insurance Company Great American Assurance Insurance Company Great American Casualty Insurance Company Great American Contemporary Insurance Great American E & S Insurance Company Great American Fidelity Insurance Company Great American Insurance Company

Great American Insurance Company of New York Great American Lloyd’s Insurance Company Great American Protection Insurance Company Great American Security Insurance Company Great American Spirit Insurance Company Mid-Continent Assurance Company Mid-Continent Casualty Company National Interstate Insurance Company

2011 Active memBer grouPs

(11)

19 18

National Interstate Insurance Company of Hawaii, Inc. Oklahoma Surety Company

Triumphe Casualty Company

Greater New York Group

GNY Custom Insurance Company

Greater New York Mutual Insurance Company Insurance Company of Greater New York Strathmore Insurance Company

GUARD Insurance Group

AmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company

GuideOne Insurance

GuideOne America Insurance Company GuideOne American Life Insurance Company GuideOne Elite Insurance Company GuideOne Life Insurance Company GuideOne Lloyds Insurance Company GuideOne Mutual Insurance Company

GuideOne Property & Casualty Insurance Company GuideOne Specialty Mutual Insurance Company

Hallmark Financial Services, Inc.

American Hallmark Insurance Company of Texas Hallmark County Mutual Insurance Company Hallmark Insurance Company

Hallmark Specialty Insurance Company

Hanover Insurance Group

AIX Specialty Insurance Company

Allmerica Financial Alliance Insurance Company

Allmerica Financial Benefit Insurance Company

Citizens Insurance Company of America Citizens Insurance Company of Illinois Citizens Insurance Company of Ohio Citizens Insurance Company of the Midwest

Hanover American Insurance Company Hanover Insurance Company

Hanover Lloyd’s Insurance Company Hanover National Insurance Company Hanover New Jersey Insurance Company

Massachusetts Bay Insurance Company NOVA Casualty Company

Professionals Direct Insurance Company Verlan Fire Insurance Company, MD

Harleysville Insurance Company

Berkshire Mutual Insurance Company

Harleysville Insurance Company

Harleysville Insurance Company of New Jersey Harleysville Insurance Company of New York Harleysville Insurance Company of Ohio Harleysville Lake States Insurance Company Harleysville Life Insurance Company Harleysville Mutual Insurance Company Harleysville Pennland Insurance Company Harleysville Preferred Insurance Company Harleysville Worcester Insurance Company Harleysville-Atlantic Insurance Company Harleysville-Garden State Insurance Company

Mid-America Insurance Company Penn Mutual Insurance Company

Hartford Insurance Group, The

First State Insurance Company

Hartford Accident and Indemnity Company Hartford Casualty Insurance Company

Hartford Financial Services – WC

Hartford Fire Insurance Company Hartford Insurance Company of Illinois Hartford Insurance Company of the Midwest Hartford Insurance Company of the Southeast Hartford Lloyd’s Insurance Company Hartford Underwriters Insurance Company New England Insurance Company Nutmeg Insurance Company

Pacific Insurance Company, Ltd.

Property and Casualty Insurance Company of Hartford Sentinel Insurance Company, Ltd.

Trumbull Insurance Company Twin City Fire Insurance Company

Hastings Mutual Insurance Company

Hawaii Employer’s Mutual Insurance Company (HEMIC)

HCC Insurance Holdings, Inc.

American Contractors Indemnity Company

Avemco Insurance Company

HCC Specialty Insurance Company Houston Casualty Company Pioneer General Insurance Company Suretec Insurance Company United States Surety Company US Specialty Insurance Company

Hiscox Insurance Group

Hiscox Insurance Company, Inc.

Hiscox Specialty Insurance Company, Inc.

Homesite Insurance Group

Homesite Indemnity Company Homesite Insurance Company

Homesite Insurance Company of California Homesite Insurance Company of Florida Homesite Insurance Company of Georgia Homesite Insurance Company of Illinois Homesite Insurance Company of New York Homesite Insurance Company of the Midwest Homesite Lloyds of Texas

Horace Mann Insurance Group

Horace Mann Insurance Company Horace Mann Lloyds

Horace Mann Property & Casualty Insurance Company Teachers Insurance Company

IAT

Acceptance Casualty Insurance Company Acceptance Indemnity Insurance Company Commercial Alliance Insurance Company Harco National Insurance Company

Occidental Fire & Casualty Company of North Carolina Transguard Insurance Company of America, Inc. Wilshire Insurance Company

ICW Group

Explorer Insurance Company, The Independence Casualty & Surety Company Insurance Company of the West

Westward Insurance Company

IFA Insurance Company

Imperial Management Group

Imperial Fire and Casualty Insurance Company

IMT Group, The

IMT Insurance Company (Mutual) Wadena Insurance Company

Infinity Property & Casualty Insurance Group

Hillstar Insurance Company

Infinity Assurance Insurance Company Infinity Auto Insurance Company Infinity Casualty Insurance Company

Infinity County Mutual Insurance

Company

Infinity General Insurance Company Infinity Indemnity Insurance Company Infinity Insurance Company

Infinity Preferred Insurance Company Infinity Premier Insurance Company Infinity Reserve Insurance Company Infinity Safeguard Insurance Company Infinity Security Insurance Company Infinity Select Insurance Company Infinity Specialty Insurance Company Infinity Standard Insurance Company Insuremax Insurance Company

Interboro Insurance Company

Interinsurance Exchange of the Automobile Club

AAA Texas County Mutual Insurance Company

Auto Club Casualty Company Auto Club Family Insurance Company Auto Club Indemnity Company Automobile Club Inter-Insurance

Exchange

Automobile Club of Southern California Life Insurance Company

Interstate Auto Insurance Company, Inc.

Interstate Bankers Casualty Company

Island Insurance Group

Island Insurance Company, Ltd. Island Premier Insurance Company,

Ltd.

Tradewind Insurance Company, Ltd.

Kemper Preferred

Alpha Property & Casualty Insurance Company

Capital County Mutual Fire Insurance Company

Charter Indemnity Company Financial Indemnity Company Kemper Independence Insurance

Company

Merastar Insurance Company

Mutual Savings Fire Insurance

Company

National Merit Insurance Company Old Reliable Casualty Company Response Indemnity Company Response Indemnity Company of

California

Response Insurance Company Response Worldwide Direct Auto

Insurance Company

Response Worldwide Insurance Company

Trinity Universal Insurance Company

Union National Fire Insurance Company

United Casualty Insurance Company of America

Unitrin Advantage Insurance Company

Unitrin Auto and Home Insurance Company

Unitrin County Mutual Insurance Company

Unitrin Direct Insurance Company Unitrin Direct Property & Casualty

Company

Unitrin Preferred Insurance Company Unitrin Safeguard Insurance Company Valley Insurance Company

Valley Property & Casualty Insurance Company

Warner Insurance Company

Kentucky Farm Bureau Group

FB Insurance Company Kentucky Farm Bureau Mutual

Insurance Company

Kingstone Insurance Company

Kingsway America Group

Amigo Insurance Company Mendakota Insurance Company Mendota Insurance Company

Universal Casualty Company Lancer Insurance Group

Lancer Insurance Company North Sea Insurance Company

Lebanon Valley Insurance Company Liberty Mutual Group

America First Insurance Company America First Lloyd’s Insurance

Company

American Ambassador Casualty Company

American Economy Insurance Company

American Fire and Casualty Company American States Insurance Company American States Insurance Company

of Texas

American States Life Insurance Company

American States Lloyds Insurance Company

American States Preferred Insurance Company

Atlas Assurance Company of America

Bridgefield Casualty Insurance

Company

Bridgefield Employers Insurance

Company

Colorado Casualty Insurance Company Consolidated Insurance Company Empire Life Insurance Company Employers Insurance of Wausau

A Mutual Company Excelsior Insurance Company

First Liberty Insurance Corporation, The First National Insurance Company of

America

First Safeco National Life Insurance Company

General Insurance Company of America

Globe American Casualty Company GoAmerica

Golden Eagle Insurance Corporation Hawkeye Security Insurance Company Indiana Insurance Company

Insurance Company of Illinois Liberty County Mutual Insurance

Company

Liberty Insurance Company of America Liberty Insurance Corporation Liberty Insurance Underwriters, Inc. Liberty Life Assurance Company of

Boston

Liberty Lloyds of Texas

Liberty Mutual Fire Insurance Company Liberty Mutual Insurance Company Liberty Mutual Personal Insurance

Company

Liberty Northwest Insurance Corporation

Liberty Personal Insurance Company Liberty Surplus Insurance Corporation LM General Insurance Company LM Insurance Corporation LM Personal Insurance Company LM Property and Casualty Insurance

Company

Merchants and Business Men’s Mutual Insurance Company

Mid-American Fire & Casualty Company

Midwestern Indemnity Company, The Montgomery Mutual Insurance

Company, The

National Insurance Association Netherlands Insurance Company

North Pacific Insurance Company

Ohio Casualty Insurance Company, The Ohio Security Insurance Company Oregon Automobile Insurance

Company

Peerless Insurance Company

Safeco Insurance Company of America Safeco Insurance Company of Illinois Safeco Insurance Company of PA Safeco Life Insurance Company Safeco Lloyds Insurance Company Safeco National Insurance Company Safeco National Life Insurance

Company

Safeco Surplus Lines Insurance Company

San Diego Insurance Company Wausau Business Insurance Company Wausau General Insurance Company Wausau Underwriters Insurance

Company

West American Insurance Company

Loya Group

Fred Loya Insurance Company Loya Casualty Insurance Company

2011 Active memBer grouPs

(12)

21 20

Vision Insurance Company

Magna Carta Companies

Business Alliance Insurance Company Paramount Insurance Company

Public Service Mutual Insurance

Company

Western Select Insurance Company

Markel Corporation Group

Associated International Insurance Company

Deerfield Insurance Company

Essex Insurance Company

Evanston Insurance Company

FirstComp Insurance Company Markel American Insurance Company Markel Insurance Company

Maryland Automobile Insurance Fund

Maya Assurance Company

MEMIC Group

Maine Employers’ Mutual Insurance Company

MEMIC Indemnity Company

Merchants Insurance Group

Merchants Mutual Insurance Company Merchants National Insurance

Company

Merchants Preferred Insurance Company

Mercury General Group

American Mercury Insurance Company American Mercury Lloyds Insurance

Company

California Automobile Insurance Company

California General Underwriters Insurance Company

Mercury Casualty Company Mercury County Mutual Insurance

Company

Mercury Indemnity Company of America

Mercury Indemnity Company of Georgia

Mercury Insurance Company

Mercury Insurance Company of Florida Mercury Insurance Company of

Georgia

Mercury Insurance Company of Illinois Mercury National Insurance Company

MetLife Auto & Home Group

Economy Fire & Casualty Company Economy Preferred Insurance

Company

Economy Premier Assurance Company Metropolitan Casualty Insurance

Company

Metropolitan Direct Property and Casualty Insurance Company Metropolitan General Insurance

Company

Metropolitan Group Property and Casualty Insurance Company Metropolitan Lloyds Insurance

Company of Texas

Metropolitan Property and Casualty Insurance Company

MGA Insurance Company, Inc.

Michigan Basic Property Insurance Association

Michigan Farm Bureau Group

Farm Bureau General Insurance Company of Michigan Farm Bureau Mutual Insurance

Company of Michigan

Michigan Millers Mutual Insurance Company

Millers First Insurance Companies Millers Classified Insurance Company

Millers Mutual Insurance Association

Mitsui Sumitomo Group

Mitsui Marine and Fire Insurance Company of America

Sumitomo Marine and Fire Insurance Company, Limited, The

Motorists Insurance Group, The

Iowa American Insurance Company Iowa Mutual Insurance Company MICO Insurance Company

Motorist Life Insurance Company Motorists Commercial Mutual Insurance

Company

Motorists Mutual Insurance Company Phenix Mutual Fire Insurance Company Wilson Mutual Insurance Company

National Automotive Insurance Company

National Guaranty Group Driver’s Insurance Company

National Guaranty Insurance Company

Nations Insurance Company

Nationwide Insurance Companies

ALLIED Property and Casualty Insurance Company AMCO Insurance Company

Atlantic Floridian Insurance Company Atlantic Insurance Company Colonial County Mutual Insurance

Company

Crestbrook Insurance Company Depositors Insurance Company Farmland Mutual Insurance Company National Casualty Company

Nationwide Affinity Insurance Company

of America

Nationwide Agribusiness Insurance Company

Nationwide Assurance Company Nationwide General Insurance

Company

Nationwide Indemnity Company Nationwide Insurance Company of

America

Nationwide Insurance Company of Florida

Nationwide Lloyds

Nationwide Mutual Fire Insurance Company

Nationwide Mutual Insurance Company Nationwide Property and Casualty

Insurance Company Scottsdale Indemnity Company

Scottsdale Insurance Company Scottsdale Surplus Lines Insurance

Company

Titan Indemnity Company Titan Insurance Company Veterinary Pet Insurance Company Victoria Automobile Insurance

Company

Victoria Electra Insurance Company Victoria Fire & Casualty Company Victoria Select Insurance Company Victoria Specialty Insurance Company Western Heritage Insurance Company

Nevada General Insurance Company

New Jersey Manufacturers Group

New Jersey Casualty Insurance Company

New Jersey Indemnity Insurance Company

New Jersey Manufacturers Insurance Company

New Jersey MFG SIU - Staff New Jersey Re-Insurance Company

NLC Insurance Companies

Danbury Insurance Company Hingham Mutual Fire Insurance

Company

New London County Mutual Insurance Company

Thames Insurance Company

Norfolk and Dedham Group, The

Dorchester Mutual Insurance Company Fitchburg Mutual Insurance Company Norfolk and Dedham Mutual Fire

Insurance Company

Ohio Indemnity Company

OneBeacon Insurance Group

American Central Insurance Company Atlantic Specialty Insurance

Camden Fire Insurance Association Employers’ Fire Insurance Company Homeland Insurance Company

of New York

Northern Assurance Company of America

OneBeacon America Insurance Company

OneBeacon Insurance Company OneBeacon Lloyd’s of Texas OneBeacon Midwest Insurance

Company

Pennsylvania General Insurance

Company

Potomac Insurance Company

Traders & General Insurance Company

Oregon Mutual Group

Oregon Mutual Insurance Company Western Protectors Insurance

Company

Paramount Insurance Company - MD

Paramount Insurance Company

Park Insurance Company

PGC Holding Group

General Automobile Insurance Company, Inc.

Permanent General Assurance Corporation

Permanent General Assurance Corporation of Ohio

Plymouth Rock Companies

Bunker Hill Insurance Company Mt. Washington Assurance Corporation Pilgrim Insurance Company

Plymouth Rock Assurance Corporation

PMA Capital Corporation

Manufacturers Alliance Insurance Company

Pennsylvania Manufacturers’

Association Insurance Company

Pennsylvania Manufacturers Indemnity

Company

Preferred Mutual Insurance Company

ProAssurance Corporation

American Medical Insurance Exchange PACO Assurance Company, Inc.

Podiatry Insurance Company of America

ProAssurance Casualty Company ProAssurance Indemnity Company, Inc. ProAssurance National Capital

Insurance Company

ProAssurance Specialty Insurance Company, Inc.

ProAssurance Wisconsin Insurance Company

Progressive Group

Drive New Jersey Insurance Company

Mountain Laurel Assurance Company National Continental Insurance

Company

Progressive American Insurance

Company

Progressive Auto Pro Insurance

Company

Progressive Bayside Insurance

Company

Progressive Casualty Insurance – CT Progressive Casualty Insurance

Company

Progressive Choice Insurance

Company

Progressive Classic Insurance

Company

Progressive Commercial Casualty

Company

Progressive Consumers Insurance

Company

Progressive County Mutual Insurance

Company

Progressive Direct Insurance – CT Progressive Express Insurance

Company

Progressive Freedom Insurance

Company

Progressive Garden State Insurance

Company

Progressive Group of Insurance

Companies - CT

Progressive Gulf Insurance Company Progressive Halcyon Insurance

Company

Progressive Hawaii Insurance

Corporation

Progressive Home Insurance Company

Progressive Home Underwriters

Insurance

Progressive Marathon Insurance

Company

Progressive MAX Insurance – CT Progressive Max Insurance Company Progressive Michigan Insurance

Company

Progressive Mountain Insurance

Company

Progressive Northeastern Insurance

Company

Progressive Northern Insurance – CT Progressive Northern Insurance

Company

Progressive Northwestern Insurance

Company

Progressive Paloverde Insurance

Company

Progressive Preferred Insurance

Company

Progressive Premier Insurance

Company of Illinois

Progressive Security Insurance

Company

Progressive Southeastern Insurance

Company

Progressive Specialty Insurance – CT Progressive Specialty Insurance

Company

Progressive Universal Insurance

Company of Illinois

Progressive West Insurance Company

United Financial Casualty Company United Financial Casualty

Company - CT

Quincy Mutual Group

New England Mutual Insurance Company

Patrons Oxford Insurance Company Quincy Mutual Fire Insurance Company

Republic Group, The

Republic Fire & Casualty Company Republic Lloyds

Republic Underwriters Insurance Company

Republic Vanguard Insurance Company

Southern County Mutual Insurance Company

Southern Insurance Company Southern Underwriters Insurance Southern Vanguard Insurance

Company

Rider Insurance Company

RLI Group

Mt. Hawley Insurance Company RLI Indemnity Company RLI Insurance Company

Safe Auto Insurance Company

Safety Group

Safety Indemnity Insurance Company Safety Insurance Company

Safety Property and Casualty Insurance Company

Safeway Insurance Group

Oak Brook County Mutual Insurance Company

Safeway Direct Insurance Company Safeway Insurance Company Safeway Insurance Company of

Alabama

Safeway Insurance Company of Georgia

Safeway Insurance Company of Louisiana

Safeway Property Insurance Company

Selective Insurance Group

Selective Auto Insurance Company of

New Jersey

Selective Insurance Company of

America

Selective Insurance Company of

New England

Selective Insurance Company of

New York

Selective Insurance Company of

South Carolina

Selective Insurance Company of the

Southeast

Selective Way Insurance Company

Figure

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References

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