Businessweek

eferred commercial property and casualty insurance products and services to a range of small to medium size commercial entities through independent agents in Arizona, Arkansas, New Mexico, Oklahoma, and Texas. Union Standard's strategy is built around relationships and service. Alternative Markets This segment includes excess workers' compensation, monoline workers' compensation, accident and health, and insurance services. This segment’s operations are conducted throughout the United States. This segment’s operating units offer insurance products, analytical tools, and risk management services, such as loss control and claims management that enable clients to select their risk tolerance and manage it appropriately. These units specialize in insuring, reinsuring, and administering self-insurance programs and other alternative risk transfer mechanisms for clients, such as commercial and governmental entity employers, employer groups, insurers, and other groups or entities seeking alternative ways to manage their exposure to risks. In addition to providing insurance products, this segment provides various fee-based services, including claims, administrative, and consulting services. Berkley Accident and Health underwrites accident and health insurance and reinsurance products in four primary areas, such as medical stop loss, managed care, special risk, and group captive. It has a product and service portfolio serving a range of clients from small employers, health care organizations, and membership groups to Fortune 500 companies. Berkley Medical Excess Underwriters insures healthcare organizations, such as hospitals and clinics that retain a portion of their risk exposure through a self-funded mechanism and seek to improve the effectiveness and efficiency of their excess risk financing program. Berkley Net Underwriters focuses on niche insurance products for small and medium-sized commercial risks, using a Web-based system to allow producers to quote, bind, and service workers' compensation insurance products on behalf of W. R. Berkley Corporation member companies. Berkley Risk Administrators provides insurance program management services to various organizations, including self-insureds, captives, governmental entities, risk retention groups, and insurance companies. It is also a nationwide third-party claims administrator and is a servicing carrier for workers' compensation assigned risk plans, serving plans in 20 states. Key Risk Insurance Company is a provider of workers' compensation insurance products and services for employers in the public and private sectors throughout the eastern United States. It focuses on middle-market accounts in specialty niches and on larger self-insured entities, with a special emphasis on expert claims and managed-care services. Additionally, Key Risk Insurance Company’s affiliate, Key Risk Management Services, provides third party administration of self-insured workers' compensation programs. Midwest Employers Casualty Company provides excess workers' compensation insurance products to individual employers, groups, and workers' compensation insurance companies across the United States. Its workers' compensation excess of loss products include self-insured excess of loss coverages, deductible policies, and reinsurance. Through its relationship with Berkley Net Underwriters, Midwest Employers Casualty Company also offers multi-state coverage for group self-insureds. It has developed proprietary analytical tools and risk management services that help their insureds lower their total cost of risk. Preferred Employers Insurance Company focuses on workers' compensation products and services for businesses in California. It serves approximately 12,000 customers covering a spectrum of industries throughout the state. Riverport Insurance Services provides property casualty insurance coverages to human services organizations, including nonprofit and for-profit organizations, public entities, sports and recreational organizations, and self-insured companies, associations and purchasing groups. Its product offerings include traditional primary coverages, as well as a