Beaufort House, Brunswick Road, Gloucester, GL1 1JZ

Tel: 01452 528 533

Fax: 01452 423 557

Website: www.ecclesiastical.com

email: ecclesiastical@eigmail.com

Chief officer: Michael Tripp, chief executive

Year established: 1887

Major shareholders: Allchurches Trust

Number of UK offices: 7

Number of UK employees: 983

Main lines of business: General insurance and financial services

Subsidiaries: The Churches Purchasing Scheme; Ecclesiastical Insurance Office plc; Ecclesiastical Underwriting Management; Ecclesiastical Group Asset Management; Ecclesiastical Insurance Management Services; Aldwych Management Services; Ecumenical Insurance Services; EIO Trustees; Ecclesiastical Life; Allchurches Investment Management Services; Ecclesiastical Financial Advisory Services; Ecclesiastical Risk Services; Ansvar Insurance (Australia) , Ansvar Insurance (New Zealand); Ansvar Insurance Company and Ansvar Pensions

Company history: Ecclesiastical Buildings Fire Office was founded more than a century ago to meet the needs of the Anglican Church.

It has grown to offer a range of general insurance products and financial services as Ecclesiastical Insurance Office.

It is also a leading insurer of independent schools, charities and care homes and churches.

Additionally, Ecclesiastical has extended its activities into other areas, particularly commercial insurances of all types and a wide range of personal lines products.

A specialist schemes department also writes a significant amount of intermediary business across a wide range of business classes.

Chief officer biography: Michael Tripp, BSc, FIA succeeded Graham Doswell as Ecclesiastical’s group chief executive in January 2007. He joined Ecclesiastical from Ernst and Young LLP, where he held responsibility for the firm’s property and casualty actuarial team for the UK company market.

A qualified actuary, he has more than 30 years’ experience in the insurance industry.


Pinnacle House, A1 Barnet Way, Borehamwood, Herts, WD6 2XX

Tel: 020 8207 9000

Fax: 020 8953 6222

Website: www.cardifpinnacle.com

email: info@cardifpinnacle.com

Chief officer: Paul Glen, chief executive

Year established: 1971

Major shareholders: BNP Paribas

Cardif Pinnacle is a trading style of Pinnacle Insurance incorporated in England and Wales. Cardif Pinnacle is a subsidiary of BNP Paribas Assurance SA – a global provider of insurance and savings products and a member of the BNP Paribas Group. Pinnacle Insurance plc is authorised and regulated by the FSA.

Number of UK employees: 650

Company Profile: Formed in 1971 as Pinnacle Insurance Company, Cardif Pinnacle, as it is known, forms part of global banking group BNP Paribas, one of the largest banks in the world.

Cardif Pinnacle UK is a specialist provider of financial services and investment products. It continues to be one of the leading providers of creditor, warranty and protection insurance including medical cash plans, sports injury, pet healthcare, accidental death, personal accident and income replacement cover.

The company also provides competitive, tax efficient investment products via IFAs and direct to the public. Its sister company Financial Telemarketing Services provides contact centre and outsourcing services to leading banks, building societies, finance houses, insurance companies and intermediaries.


3rd Floor, Two Minster Court, Mincing Lane, London EC3R 7YE

Tel: +44 207 860 6600

Fax: +44 207 860 6290

email: London@libertyiu.com

Website: www.liueurope.com

Chief Officer: Sean Rocks, chief executive for LMIE

Number of UK staff: 182

Number of UK offices: 3

Year established: Liberty Mutual Insurance Europe was established in 1974. Liberty Mutual Group itself was founded in Boston in 1912.

Main lines of business:

Commercial insurance: Aviation; casualty and general liability; directors’ & officers’; financial institutions; marine; energy and construction; professional indemnity; trade credit and political risk

Company history: Liberty Mutual Insurance Europe (LMIE) has operated in the London market for over 30 years.

It is an international commercial lines insurance company which provides a broad range of insurance products distributed exclusively through a select panel of insurance brokers.

LMIE is a wholly owned subsidiary of Liberty Mutual Group and operates out of London with UK regional offices in Bristol and Manchester, and branches in Ireland, Continental Europe, the Middle East and Asia, trading as Liberty International Underwriters (LIU).

Chief officer biography: Sean Rocks holds the position of managing director/ chief executive of Liberty Mutual Insurance Europe.

A graduate of York University with a legal qualification from Trent University, Rocks has over 20 years’ experience in the insurance industry, specialising in excess and catastrophe insurance coverages, as well as risk financing and captive management.

He has extensive experience of international markets having spent time working in Bermuda, Dublin and London.

Rocks joined Liberty Mutual in November 1997, with responsibility for setting up and establishing Liberty International Insurance Company in Dublin’s International Financial Services Centre. In November 2001, he was appointed chief executive of Liberty Mutual Insurance Europe, headquartered in London.

Prior to joining Liberty, he was a senior vice president of global broker organisation, Marsh Inc. Rocks holds an associate in risk management from the American Institute of Insurance and is a member of the Professional Liability Underwriting Society.


Standard Life Healthcare

Marshall Point, 4 Richmond Gardens, Bournemouth, Dorset BH1 1JD

Tel: 01202 292464

Fax: 01202 552527

Website: www.standardlifehealthcare.co.uk

Chief Officer: Mike Hall, chief executive

Year Established: 1988 as Prime Health

Number of UK offices: 3

Number of UK staff: Approx. 850

Major shareholders: Owned by Standard Life plc

Main lines of business: Private medical insurance

Company history: The company was established as Prime Health in 1988, and was bought by Standard Life in 1994, changing its name to Standard Life Healthcare in 2000. In 2006 it purchased the PMI book of First Assist.

Offering a range of individual and company plans, Standard Life Healthcare championed no claims discounts in the private medical insurance market.

It also pioneered an individual switch option, making it far easier for people to change from their current insurer and, at the same time, bring their medical underwriting terms with them.

It introduced an online health and wellbeing service for all of its customers in 2004, and has since been very involved in promoting the importance of individual and workplace health.

Chief officer biography: Mike Hall took over Standard Life Healthcare (then Prime Health) as managing director in October 1998. He became chief executive in December 2001.

His career so far has encompassed both public and private health sectors – placing him in an unparalleled position to head up one of the UK’s leading Private Medical Insurance (PMI) providers.

Hall joined the company from HCI International Medical Centre where he was chief executive.

Prior to this he was the director of BUPA Hospitals following a number of managerial positions in the organisation.

Along with his wealth of experience in the private sector, Hall worked in the NHS from 1976 to 1988 for Sunderland Health Authority and Birmingham Health Authority in a variety of management posts.

In total, Hall has worked in healthcare for 31 years in a variety of roles and is a long-standing advocate of greater co-operation between the state and private health sectors.


1 Great St Helen’s, London, EC3A 6HX

Tel: 020 7448 6000

Fax: 020 7448 6900

Website: www.hiscox.com

email: enquiry@hiscox.com

Chief officer: Bronislaw E Masojada, chief executive

Year established: 1901

Number of UK offices: 9

Number of UK employees: 571

Number of UK general insurance agents: 771

Major shareholders: Amvescap plc, Fidelity International, Jupiter Asset Management, JP Morgan Chase & Co

Main lines of business: High value household; professional and speciality commercial insurances for small-to-medium-sized enterprises.

Company history: Hiscox, headquartered in Bermuda, is a specialist insurance group listed on the London Stock Exchange, which has been underwriting for more than 100 years.

There are three main underwriting parts of the group – Hiscox Global Markets, Hiscox UK and Europe, and Hiscox International.

Hiscox Global Markets underwrites mainly internationally traded business in the London Market – generally large or complex business which needs to be shared with other insurers or needs the international licences of Lloyd’s.

Hiscox UK and Hiscox Europe offer a range of specialist insurance for professionals and business customers, as well as high net worth individuals. In the UK, Hiscox has offices in London, Birmingham, Glasgow, Leeds, Maidenhead, Colchester, Bristol, Manchester and Tunbridge Wells. Hiscox International includes operations in Bermuda, Guernsey and the US.

Chief Officer Biography: Bronek Masojada joined Hiscox in 1993. From 1989 to 1993 he was employed by McKinsey and Co. Masojada served as a deputy chairman of Lloyd’s from 2001 to 2006 and as chairman of the Lloyd’s Underwriting Agents Association from 1998 to 2001.

He was a non-executive director of Ins-sure Holdings from 2002 to 31 December 2006 and is a past president of the Insurance Institute of London.


Address: Highway House, 171 Kings Road, Brentwood, Essex CM14 4EJ

Tel: 0870 443 1111

Fax: 01277 263651

Website: www.highway-insurance.co.uk and www.hero.co.uk

Chief officer: Andrew Gibson, group chief executive.

Year established: 1995

Number of UK offices: 7

Number of UK employees: 800

Major shareholders: Aberforth Partners (10.55%), Baillie Gifford (8.53%), Liontrust Asset Management (5%), Midas Capital (4.66%), Brewin Dolphin, stockbrokers (4.58%), LSV Asset Management (4.37%), Legal & General Investment Management (4.27%), UBS Global Asset Management (4.19%)

Main lines of business:

Motor insurance: Highway Choice Private Car, Highway Choice Commercial Vehicle, Highway Choice Motorcycle

Fleet Insurance: Highway Choice Trucks, Highway Choice Motor Trade, Highway Choice Specialist Vehicle

Subsidiaries: The principal subsidiaries are: Highway Insurance Company and Hero Insurance Services.

Company history: In 1995 market research led management to build a specialist motor insurance business, based on relationships with insurance brokers and other intermediaries.

In 2003, Highway exited Lloyd’s and now underwrites exclusively through Highway Insurance Company.

In June 2004, Highway Retail was established in order to acquire and develop a number of UK brokers, improve its earning stream and smooth the impact of the underwriting cycle.

Today, Highway comprises two principal operating units: Highway is a focused motor insurer and Hero is a leading personal lines distribution business.


6th Floor, Plantation Place South, 60 Great Tower Street, London EC3R 5AZ

Tel: 020 7621 4500

Fax: 020 7621 4501/4502

email: info@archinsurance.co.uk

Website: www.archinsurance.co.uk

Chief officer: Robert Van Gieson, president and chief executive

Main Lines of business: contingency;

personal accident; business and holiday travel; executive assurance: directors’ & officers’ liability, financial institutions, professional liability; general property; marine: fine art

& specie, marine & aviation, war, liabilities, hull & machinery; energy: onshore, offshore, liabilities; terrorism

Company history: Arch Insurance Company (Europe) is a wholly-owned subsidiary of Arch Capital Group, a Bermuda-based company which provides insurance and reinsurance on a worldwide basis through its subsidiaries in Bermuda,

the United States of America, Canada

and Europe.

Formed in May 2004, Arch Europe is authorised and regulated by the FSA and provides specialised property and casualty insurance programmes to a wide range of commercial customers and financial institutions outside the USA.

Chief officer Biography: Robert Van Gieson, president and chief executive, has more than 35 years of international insurance industry experience. Prior to Arch he served as chief executive of CNA’s global operations, where he spearheaded the successful integration of six non-aligned strategic business units with total revenues of $1.25bn and total staff of 2,500.


Norman Place, Reading, RG1 8DA

Tel: 0118 955 2222

Fax: 0118 955 2211

email: info@mma-insurance.com

Website: www.mma-insurance.com

Chief officer: Garry Fearn, chief executive, MMA Insurance

Year established: 1958

Major shareholders: Les Mutuelles du Mans Assurances

Number of UK offices: 2

Number of UK employees: 300+

Main lines of business: Household; mid net worth; commercial property owners; residential property owners (single and multi premises); small business liability; shops; offices; surgeries; commercial van; motor trade; private motorº


1 Angel Court, London EC2R 7AE

Tel: 02077964646

Fax: 02077963540

Website: www.fsa.com

email: info@fsa.com

Chief officer: Robert P. Cochran, chairman and chief executive

Financial Security Assurance, year established: 1985

Number of UK offices: 1

Number of UK employees: 70

Major shareholder: Dexia

Main lines of business: Financial Guaranty Insurances (Monoline)

Company history: Financial Security Assurance (FSA) provides Aaa/AA financial guarantees for local government debt, public sector project financing, asset-backed securities and structured financings in world markets.

A separately capitalised member of the Dexia group, FSA operates primarily in North America Europe and developed country of the Asia Pacific region. Its UK subsidiary is called Financial Security Assurance (UK).

Founded in New York in 1985 with capital from a group of institutional investors, it pioneered the use of financial guarantees in the asset-backed securities market.

In 1990 it entered the US municipal bond market. Its holding company, listed on the New York Stock Exchange in 1994, was acquired by Dexia in 2000.

Chief officer biography: Robert Cochran is chairman and chief executive of FSA. A founding principal of the company, he became president and chief executive in 1990 and chairman and chief executive in 1997.

He was initially managing director of FSA’s financial guaranty department, which originates and underwrites all of FSA’s asset-backed and municipal financial guarantee business.

Before joining FSA, he was managing partner of the Washington DC office of law firm Kutak, Rock and Campbell. He is former chairman of the Association of Financial Guaranty Insurers.


Level 7, 6 Broadgate, London EC2M 2QS

Tel: 020 7786 4300

Fax: 020 7786 4343

Website: www.ambac.com

email: ppoillon@ambac.com

Chief officer: Douglas Renfield-Miller, chairman and chief executive

Year Established: 2000

Number of UK Offices: 1

Number of UK Employees: 27

Major Shareholders: Ambac Assurance Corporation

Main Line of Business: Financial Guarantee

Company History: Ambac Assurance UK provides financial guarantee insurance for international securitisation, infrastructure, project finance, local government and structured finance transactions and obligations of financial institutions and sovereign-owned enterprises.

Financial guarantees allow issuers to reduce borrowing costs, increase marketability and offer security to investors because all timely payments of principal and interest are guaranteed.

Ambac UK is rated triple-A by all the major rating agencies. Ambac UK and Ambac Assurance Corporation are subsidiaries of Ambac Financial Group, Inc., one of the world’s largest monoline financial guarantee providers. Our offices include New York, Mexico City, Milan, London, Tokyo and Sydney.

Chief officer biography: Douglas Renfield-Miller is chairman and chief executive of Ambac Assurance UK.

He is responsible for all of Ambac’s international offices encompassing London, Milan, Sydney and Tokyo.

Prior to moving to London, Renfield-Miller worked in New York overseeing Ambac’s structured credit, derivatives and investment agreements businesses globally, commercial ABS in the US and Ambac’s operations in the Asia/Pacific region and emerging markets.