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 tPresident’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
3 2
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
QuestionableClaim 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.
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.
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.
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
3
28
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.
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.
15 14
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
17 16
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
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
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
