American International Group, Inc. (AIG) is the world's leading international insurance and financial services organization, with operations in approximately 130 countries and jurisdictions. AIG member companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer. In the United States, AIG companies are the largest underwriters of commercial and industrial insurance and AIG American General is a top-ranked life insurer. AIG's global businesses also include financial services, retirement services and asset management. AIG's financial services businesses include aircraft leasing, financial products, trading and market making. AIG's growing global consumer finance business is led in the United States by American General Finance. AIG also has one of the largest U.S. retirement services businesses through AIG SunAmerica and AIG VALIC, and is a leader in asset management for the individual and institutional markets, with specialized investment management capabilities in equities, fixed income, alternative investments and real estate. AIG's common stock is listed on the New York Stock Exchange, as well as the stock exchanges in London, Paris, Switzerland and Tokyo.

Just as policies aren't the same, neither are the companies that offer them. Some insurance companies don't know or understand the customers they serve as well as they should. And, the differences don't stop there, as there are many important differences from one specialty policy to another.
American Modern's standard manufactured homeowner's policies aren't standard at all....they provide broad protection and coverage and first-rate features that meet your special needs. We also allow you to tailor your policy with a number of optional coverages that add minimal cost to your premium. And, the companies of American Modern Insurance Group have a real commitment to the manufactured housing market and the policyholders we serve. The right combination of insurance and safe practices will keep you protected, all year long.

The introduction of the Encompass Insurance brand marks a new beginning for an established leader in the personal insurance industry. We are taking a revolutionary stand in the 21st century: Encompass Insurance will sell only through independent insurance agents. Encompass Insurance is built on more than 20 years of relationships that CNA Personal Insurance established with independent agents and their customers. Our exclusive dedication to independent agents is driven by this history and will define our future. Our new identity speaks for itself. Our name, broad and inclusive, declares our commitment to be the best at meeting the needs of our people, our policyholders and our partners. Our logo, a distinct and decisive compass, confirms our bold course. We recognize the value our independent agents provide in offering choice and counsel in helping customers to select their insurance coverages. Today, Encompass Insurance is well positioned to compete and determined to become a market leader. We're doing all we can to become the carrier of choice for independent agents.

Fireman's Fund works to provide business and personal insurance and to bring customers the highest caliber of claims service. We offer state-of-the-art insurance products and continuously explore new products and possibilities. We are pioneers in the development of special events coverage and have insured high-profile events and dozens of sports franchises. Along with standard insurance coverages, Fireman's Fund has developed unique specialized products like wedding cancellation and hole-in-one coverage, while remaining highly competitive in other areas such as upscale homeowners insurance and commercial insurance.

Foremost offers insurance coverage for Mobile Homes, Specialty Homeowners, Specialty Landlord, Motor Homes, Travel Trailers, Fifth-Wheels, Luxury Motor Coaches, Motorcycles, Off-Road Vehicles Snowmobiles, Personal Watercraft and Family Boaters.

The operations of Great American Insurance Group are engaged primarily in property and casualty insurance, focusing on specialty and commercial products for businesses, and in the sale of annuities, life and supplemental health insurance products.

GNY Insurance Companies are leading underwriters of Commercial Multi-Peril and Workers' Compensation products in the Northeast and Mid-Atlantic regions of the country. We are a niche underwriter of habitational, light industrial, office building and restaurant risks.
GNY's strength and focus are reflected in our A.M. Best policyholder rating of A+. Our superior capitalization comfortably supports our A+ rating and enables us to deliver to our customers services of the highest quality.

Most businesses are required by law to provide Workers' Compensation insurance for their employees, so the challenge of every employer is to obtain the most advantageous arrangements for coverage.  Today, a secure policy and  affordable price are just part of the consideration because the availability of value-added services can make a difference in the expenses and overall productivity of a workplace. As a specialist, GUARD Insurance Group understands this line of insurance.  In examining a business's operations, we can identify the likely sources of injuries and illnesses which, in turn, enables us to properly assist in the prevention of accidents, help minimize medical and indemnity claim costs, offer a properly priced policy, and much more.  Before choosing among insurers, consider: the stability and track record of the company; the terms that can be incorporated into a policy; the range of services provided; the professionalism of the staff; AND the personalized attention you can expect to receive.

At Hanover Insurance, our purpose is to help make people secure. That's why, in cooperation with your local Hanover agent, we provide a full selection of property-casualty insurance for autos, homes, boats, and businesses.
Hanover has been a trusted name in insurance since its founding in 1852 and is based in Worcester, Massachusetts. It is licensed in all states and the District of Columbia and operates primarily in the Northeast and the South. Hanover’s branch operations and regional claims centers are dedicated to providing insurance of value and fast, fair claims service.
Hanover is a member of Allmerica Financial, one of the largest financial service groups in the country and is also proud to be a member of the 2002 Ward's 50 Benchmark Group.

Harleysville Worcester Insurance Company is the oldest Massachusetts-based property insurance company. Since 1823, the independent agents who represent the company have provided quality products and professional services to over eight generations of policyholders throughout New England and New York. In 1998, Harleysville Worcester Insurance observed its 175th anniversary and celebrated its heritage from both a community and business perspective. Throughout our history, we have been a strong leader in insurance products. We have new programs and strategies that will accelerate our growth in business insurance coverages. Our innovative COMPlus workers comp, Business in the Home and FLEETPlus are examples of this commitment. 

Founded in 1810, The Hartford Financial Services Group, Inc. (NYSE: HIG) is one of the nation's largest investment and insurance companies. To millions of our customers -- businesses, groups and individuals -- The Hartford Stag logo is a trusted symbol of dependability. The Hartford is a leading provider of investment products, life insurance and group and employee benefits; automobile and homeowners products; business insurance; and reinsurance. The company is the largest seller of individual annuities in the U.S. and has been a provider of auto and homeowners insurance to members of AARP since 1984.

Merchants Insurance Group, with its headquarters in Buffalo, N.Y., markets tailored property and casualty insurance products that provide financial protection to businesses and individuals throughout the northeastern, mid-atlantic and midwestern United States.

MetLife, Inc., through its subsidiaries and affiliates, is a leading provider of insurance and other financial services to individual and institutional customers. The MetLife companies serve approximately 12 million individuals in the U.S. and provide benefits to 37 million employees and family members through their plan sponsors. Outside the U.S., the MetLife companies have insurance operations in 12 countries serving approximately 8 million customers

The Ohio Casualty Insurance Company is the original operating company of the six property-casualty companies that make up Ohio Casualty Group (OCG). Founded in 1919 in Hamilton, OH, The Ohio Casualty Insurance Company was the first stock-owned company in Ohio to offer full coverage on automobiles.
OCG is ranked 45th among U.S. property/casualty insurance writers, based on net premiums written (Best's Review, July 2003). Rated A- (Excellent) for financial strength by the A.M. Best Rating Company, the Group is active in more than 40 states and has written premiums of $1.1 billion. OCG brand products are marketed through more than 3,300 independent agencies. Policies are underwritten by the flagship company, as well as West American Insurance Company, American Fire and Casualty Company, Ohio Security Insurance Company, Avomark Insurance Company and Ohio Casualty of New Jersey, Inc.

OneBeacon Insurance Group ("OneBeacon") is White Mountains' largest operating insurance subsidiary. Headquartered in Boston, Massachusetts, OneBeacon offers a wide range of personal and commercial products and services, sold through select property/casualty independent agents in two regional operations - New England and New York/New Jersey. Specialty insurance products are available on a national basis. Approximately $1.3 billion of OneBeacon's equity is dedicated to Folksamerica, Montpelier Re and Main Street America and $1.8 billion to support its own operations.

For more than 150 years, Pawtucket Mutual Insurance has provided insurance coverage to our customers.  Founded in 1848 to provide fire insurance, Pawtucket Mutual has grown steadily.  Pawtucket Mutual Group, including our sister company Narragansett Bay Insurance, writes a full range of personal lines products, including Homeowners, Personal Automobile, Personal Umbrella, Boat and Inland Marine. Pawtucket Mutual Insurance also provides commercial insurance lines such as Businessowners, Commercial Auto, Commercial Package Policies and Excess Liability coverages.

Peerless Insurance is a member of the Regional Agency Markets (RAM) unit of Liberty Mutual. For more information about RAM, see its website: www.libertyram.com.
Boston-based Liberty Mutual Group is a diversified international group of insurance companies and one of the largest multi-line insurers in the North American property and casualty industry. The group has $14.5 billion in consolidated revenue and ranks 129th among the Fortune 500 largest corporations in the United States. The A.M. Best Company has rated Liberty Mutual "A" (Excellent). Liberty Mutual, which celebrated its 90th Anniversary in 2002, employs 36,000 people in more than 800 offices throughout the world.

Pennsylvania Lumbermens Mutual Insurance Company was established in 1895. We deal solely in providing Property and Casualty insurance to the lumber, woodworking and building material industries.

Preferred Mutual has been providing quality insurance products for over 100 years. Our beginnings go back to 1896, when the Company was founded by Frank E. Holmes, in New Berlin, New York. Offices were located in New Berlin's Grand Opera House and employed six people.
Today, Preferred Mutual employs 258 people, has a surplus of $86.4 million and anticipated direct written premium of $164.7 million at year end 2003.

The Premier Insurance Company of Massachusetts was established in 1993 by The Travelers Indemnity Company to provide personal lines insurance in Massachusetts. As a Travelers subsidiary, Premier belongs to a family of companies with tremendous financial strength. As a Massachusetts domestic insurer, we focus specifically on the ever changing and challenging Massachusetts personal lines market. We seek to be the premier provider of personal lines insurance in Massachusetts through service to our customers, return to our investors, and pride in ourselves.

Royal & SunAlliance is one of the world's leading multinational insurance groups. Our focus is predominantly upon general insurance but we do have a small number of life operations. We have leading or significant market positions in the UK, Scandinavia and Canada. We currently employ around 38,000 people, transact business in some 130 countries and have some 20 million customers around the globe. We have an A- (strong) credit rating from Standard & Poor's and an A- (excellent) credit rating from A.M. Best.

We provide property-liability insurance to businesses and other organizations -- from sole proprietors to Fortune 500 companies. The St. Paul is an industry leader in specialty insurance, serving professionals, financial institutions, construction companies, local governments, nonprofit organizations and more.

Travelers Property Casualty (NYSE: TAP.A and TAP.B) is a leading provider of a wide range of insurance products. Travelers is the third largest commercial lines insurer, providing a broad range of insurance products including workers compensation, integrated disability, property, liability, specialty lines, surety bonds, inland/ocean marine, and boiler and machinery. The company is the second largest writer of homeowners and auto insurance through independent agents.

The Vermont Mutual Group is made up of five unique companies that provide insurance products to clients in all New England States and in the State of New York. We provide a comprehensive array of insurance products for your home and automobile, commercial risks, dwelling property, inland marine and other personal and commercial insurance needs.

Zurich North America is a leading commercial property-casualty insurance provider serving the multinational, middle market and small business sectors in the United States and Canada. Headquartered in Schaumburg, Ill., Zurich North America has 12,750 employees and wrote $13.6 billion in premiums in 2002 Zurich North America includes the Zurich U.S. business units (Corporate Customer, Middle Markets, Small Business, Strategic Partnerships, Construction, Specialties, Zurich Global Energy and Empire Insurance Companies), as well as Universal Underwriters Group, Zurich North America Canada, Zurich Corporate Solutions and Centre.