ANNUAL REPORT 2018 New York Office London Office

SERVING THE GLOBAL Years of INDUSTRY 45+ Industry Service

Participating 4 of 5 Top Brokers 8000+ Organizations

Standardized 1200+ Transaction Types 9 of 10 Top Solution Providers

21 of 25 Top P&C Carriers 19 of 25 Top L&A Carriers 20 of 25 Top Reinsurers

FACILITATING GLOBAL DATA EXCHANGE

Global GWP by Countries 1/3 ACORD Members 100+ Served

Annual ACORD ACORD forms downloaded 9,000,000 message transactions 2,000,000 since 2010

ACORD regulatory 6,000 submissions to date LETTER FROM THE CEO

When I became CEO of ACORD in 2016, my We greatly expanded our service to the colleagues and I began a process of thoughtful, Australia / New Zealand market, through impactful change. Throughout the change extended Delegated Authority Standards process, we have remained focused on fulfilling coverage, new membership offerings for the ACORD’s core promise: addressing the needs superannuation industry, and the first ACORD of our members. Digital Standards API.

Throughout 2018, we saw the early results We formed new Standards Project Groups of this change effort. This year was largely for Digital Standards and Distributed Ledger dedicated to refining and perfecting our newly Technology, engaging industry leaders to enhanced processes, approaches, and assets. guide the development of these emerging We restructured our standards development technologies. SOPs to reflect our more nimble and transparent SDO model. We added 86 new members, In 2018, we leveraged the results of ongoing including many in our newly offered programs. change and extended our community’s reach. We utilized our expanded research capabilities As we continue these efforts in 2019, we will to produce over 20 reports, studies, articles be driven by execution, results, and most of all and thought leadership initiatives. value – to you, our members.

However, we remain mindful of our duty to our members and will not become complacent. In 2018, we not only consolidated and leveraged recent improvements but also undertook several initiatives to extend the reach and impact of ACORD.

Through an agreement with Lloyd’s, we provided access to ACORD Standards to thousands of coverholders, doubling our number of participating organizations worldwide.

We accepted donations of an unprecedented number of assets from industry contributors, to be incorporated into evolving cyber standards and the ACORD Digital Standards. Sincerely, We increased our visibility in media and the industry through hundreds of millions of impressions, presentations to hundreds of firms over all three major geographies, and ACORD-authored articles in leading industry Bill Pieroni publications. President and CEO, ACORD STANDARDS & MEMBERSHIP 1

THOUGHT LEADERSHIP 7

ACORD CONNECTED 10

INSIDE ACORD 13 STANDARDS & MEMBERSHIP

Standards Membership Development

In 2018, ACORD welcomed 86 new members ACORD continued to reduce the cost and time across 20 programs, as well as many new required to support the standards development subscribers to our individual assets. This year process in 2018. The implementation of new, we launched multiple programs to make our streamlined processes enabled us to accelerate assets more accessible to a broader audience, pace, improve business alignment, and extend including the Delegated Authority Program assets into new areas. One primary guiding for Lloyd’s Coverholders, the Superannuation principle was to optimize channels for member Fund Membership, and the UK Solution engagement with the ACORD Standards Providers Pilot Program. through agile, transparent mechanisms.

We also significantly enhanced our educational Key partnerships and asset donations from assets, based on an extensive occupational industry-leading organizations also enabled analysis completed the previous year. us to build Standards more efficiently in 2018. We revised and updated the ACE exam Partners such as Aon, Beazley, The Hartford, specifications for all three major domains, MetLife, and Nationwide all contributed assets to including the creation of brand-new content the ACORD community, which are being utilized areas. We also made our training resources in the development of new cyber standards, the available as a free benefit to all ACORD ACORD Digital Standards, and more. members. We also launched new Standards Project ACORD’s leadership continued to visit our Groups this year for Digital Standards and members to learn firsthand their issues, Blockchain. As the industry explores the concerns, and goals – and how ACORD can potential of new technologies, ACORD help. In the coming year, these insights will member organizations have an opportunity to drive progress across all business areas, as we join these Project Groups and contribute to focus our efforts on meeting the needs of our improvements in business capabilities across members. the insurance value chain.

1 Property Life & Annuity & Casualty

This year saw the development of the industry’s The L&A community completed work on several first standard and business glossary for Global major initiatives in 2018, and transitioned its Cyber Data Breach, enabled by collaboration work efforts to align with the revised Standard with Aon and Beazley, key stakeholders in the Operating Procedures. The Employee Benefits cyber market. Implementation Community also concluded its efforts upon the final release of the Employee Other additional capabilities were built into Benefits Member Enrollment Standard. The the ACORD P&C XML Standard to support L&A Program Advisory Council approved two 464 new LMTOM data requirements for over new Standards Project Groups (Standards a dozen classes of business, in support of Enhancement Review and Life Inforce Product), LMTOM’s continued effort towards facilitating as well as two Advisory Groups (Architecture fast, accurate data exchange in the London and ACORD DTCC Mapping). Market and throughout the world. These classes of business include Livestock, Marine The L&A community unanimously approved Hull, Yachts, Pleasure Craft, Accident & Health, 51 Standards Enhancements affecting both Cargo, Cyber, Financial Lines, Product Recall, the XML and EDI Standards this year, covering Auto, Claims and Premium Reporting. four release cycles.

This year’s releases also saw the addition of 31 Moving forward, we will continue to offer IICMVA data requirements mapped to the XML Standards Product Groups that focus on Standards, supporting the insurance industry industry priorities. We will continue to improve and Motor Vehicle Departments in the US and inforce processing for life products, and to work Canada. collaboratively with our industry partners. We will also be participating in the cross-domain In total, 97 Standards Enhancement requests Digital Standards initiatives, and look forward to resulted in 1,464 changes to the P&C XML creating new efficiencies for our L&A members standards in 2018, while AL3 Standards through these emerging technologies. releases included 63 standard enhancements resulting in 2,055 changes. The changes ranged from new codes, data elements, and coverages to updated guides and documentation. In addition, there were two CSIO P&C XML releases, comprising 92 standard enhancement requests resulting in 164 updates.

2 Global Reinsurance Asia-Pacific & Large Commercial

GRLC moved to the new ACORD governance In 2018, we built additional capability into the framework this year, in order to maintain efficient ACORD Asia-Pacific General Insurance XML member participation by ACORD members at all Standard to support reporting of risk, premium levels of the SDO process. A total of 25 Standards and claims into the London market, allowing Enhancement requests were approved through regional underwriters to both place business our enhanced, agile workflow. and report using just one Standard. Additional classes of business were also added, including Focus remained on implementation in 2018, Commercial Marine Hull & Cargo, Accident & with global message volumes continuing to Health, Agriculture (Livestock and Bloodstock), increase significantly. ACORD continued to and Financial Lines such as Bankers Blanket Bond. support GRLC implementers redeveloping their systems in line with the newest version The Australia & New Zealand Life Standard of the standards (Version 2016-10); early continued to grow its reach, with its adoption implementers are now live on this version, by one of Australia’s largest life insurers, as well and most of the others aim to have fully as our new Superannuation Fund members. migrated with all partners by mid-2019. As a A number of interim releases were published result, ACORD has enhanced its Test Harness throughout 2018 to support 22 distinct facilities to include extended test scenarios, enhancements, including new messages for significantly reducing the requirement for Illustration, New Business Close (Settle), individual organizations to duplicate tests Endorsement Quotation & Close (Settle), Policy with every messaging partner as they migrate Inquiry, Claims Inquiry & Synchronisation, and between versions. Claims & Premium Bordereaux.

In 2019, we will continue to promote increased The major releases of both the Asia-Pac GI usage of the GRLC XML Standards, while also and AU/NZ Life Standards saw the addition addressing new technologies such as Digital of the first API specification for Claim Standards. We will work proactively with Lodgement, thanks to assets donated by new implementation initiatives in the London MetLife. The Program Advisory Committees Market and global GRLC community in order have endorsed building out further API support to fully leverage emerging technologies, throughout 2019, with an initial focus on claims increased interoperability, and the potential management. for more efficient data exchange.

3 Delegated Southern Africa Authority

The current version (2.4.1) of the AML Standard July 2018 saw the publication of Version was published in May 2018. Eight Standards 1.2.0 of the Delegated Authority Reporting Enhancements have been approved by the Standard, supporting a whole new range of community for the next version, with more risk classes for reporting into the London currently being defined as the community looks Market by MGAs & Lloyd’s coverholders to scope and build out further requirements for around the world. This was the largest single Commercial Lines, as well as adding additional AML Standards release ever undertaken, with classes of business to align with the Delegated 40 Standards Enhancements resulting in 4,757 Authority Reporting Standard. The coming distinct additions, supporting Agriculture, year will see a focus on the enhancing and Accident & Health, Marine Hull, Cargo, Cyber implementation of the Commercial Policy Sync Breach, Term Life, Legal Expenses, Bankers message, and on Digital Standards. Blanket Bond, Directors & Officers, Extended Warranty, Medical Malpractice, Product Recall, Professional Indemnity, and Motor.

Workers’ This release was only possible through continued close collaboration between the Compensation ACORD, LMTOM, and Lloyd’s communities over the last 18 months. The coming year will see implementation of this release more widely ACORD released a new major version of the by the London Community in the new DA SATS Workers’ Compensation Reporting XML environment, supported by LIMOSS. Standard in July 2018. It includes changes to the existing Claims messages and also includes This year also saw the launch of the Delegated three new messages for Proof of Coverage. This Authority Standards Coverholder Program. release was based on the IAIABC EDI Proof of Through an arrangement between ACORD and Coverage Release 3.0 and Claims Release 3.1; Lloyd’s, all Lloyd’s coverholders are eligible to there were about 73 IAIA BC data changes, subscribe to the DA Standards free of charge. resulting in 22 Standards Enhancement requests and 110 XML changes. There is an interest in promoting Workers’ Compensation XML to jurisdictions/reporters that are modernizing systems, as it offers a more flexible and economical option over flat file/batch (EDI) reporting. Some states are making XML reporting voluntary, while other states are planning to mandate the use of XML. 4 Reference Forms Architecture

ACORD released a major update to the Ensuring regulatory compliance is always a Reference Architecture in 2018, consisting primary focus for ACORD Forms, and this of Version 2.7 of the Business Glossary, continued throughout 2018. This year, we Information Model, and Data Model. These reviewed many of the Forms and revised releases are the result of extensive review them to remain consistent with the changing and feedback, which helped validate the regulatory landscape, as well as ensuring that enhancements. Full details of the updates can they were aligned with the current ACORD be found packaged with each release. Data Standards. We also continued to leverage JIRA and Confluence to facilitate member The Business Glossary 2.7 release primarily input in our Forms process. focused on three major improvements: metadata enhancements for the HTML, CSV, and XML Our Forms PAC was established following formats; incorporating elements related to new the approval of the 2018 Standard Operating Employee Benefits Standards; and evolving the Procedures. Three new Standards Project Glossary by adding 400 new terms. Groups (SPGs) were formed for the Property and Casualty Domain, covering Commercial The key focus of the Information Model 2.7 and Marine Hull Application, Commercial Cyber Data Model 2.7 releases was the enhancement Application, and changes to Certificate 25. of structural stability throughout the models. The three main subject areas of the review ACORD made 988 changes to our Forms and improvement process were the Activity Library, releasing 3 new Forms and 45 revised Package, Document & Communication Package, and enhanced Forms. Changes of note included and Marketing Package. One primary method updates to the Insurance Identification cards used to attain greater structural stability was the of Texas, and Louisiana; the release of elimination of inconsistencies, redundancies, four updated automobile forms in Maryland; and missing associations or entities. and the release of a new ACORD Form for South Carolina: 9 SC South Carolina Required Notice for Insurance Applications.

5 Digital Standards

In 2018, we brought together all Digital approach, across lines of business and Standards efforts into a single cross- geographies wherever possible, to program initiative. maximize interoperability.

This includes parallel collaborative The Digital Standards SPG will also efforts including an internal Digital provide subject matter expertise Standards Project, donated assets from and guidance to ACORD through industry partners, and new Standards collaboration on business scenarios, Project Groups for Digital Standards use cases and specifications. It will also and Blockchain. assist with the evaluation and testing of Resource Models and RESTful API ACORD’s internal Digital Standards Specifications. project has refined the common principles and approach for defining In addition, the Blockchain SPG will Digital Standards, along with developing set usage standards for insurance/ a common approach to modeling and reinsurance industry Blockchain generating API deliverables. It has made initiatives, enabling them to operate significant progress on the first set of use together effectively. In the short term, cases, supporting policy amendments the goal is for Reinsurance, P&C and for Property & Casualty. L&A to set standards covering the policy lifecycle and claim processing (including The Digital Standards SPG has subrogation). initiated efforts to establish a common approach, as well as a framework and Working with our members, ACORD implementation guidelines in support will continue to set data standards of API design leveraging ACORD Data and develop best practices for Standards. This SPG will ensure that effectively leveraging these emerging ACORD APIs conform to a common technologies.

6 THOUGHT LEADERSHIP

Research methodology to evaluate the top sites on measureable criteria around user experience, & Development functionality, and underlying strategy.

We also began tracking the proprietary ACORD ACORD’s R&D area completed over 20 Global Insurance Stock Index in quarterly reports, studies, articles and thought leadership updates beginning in Q1 2018. These reports initiatives in 2018, driven by member needs and analyze quarterly and annual change in share interests. prices, and provide performance metrics and insights by line of business, geographic region, Major releases included two in-depth studies and company size. The ACORD Index provides on value creation in the U.S. P&C and Global a unique and ongoing perspective on the Life fields. These studies, and the accompanying performance of the global insurance market, white papers, were created in order to define and the underlying factors behind it. metrics for sustainable value creation; highlight the common strategies, capabilities, and ACORD also released 2018 updates to a characteristics of the companies that achieved number of ongoing industry research projects, it; and identify the key execution imperatives including the ACORD Insurance Digital Maturity for continued high performance. The studies Study, gender parity in the insurance workplace, leveraged in-depth financial analysis, data- and our Top Ten InsurTech Leaders list. driven research, and interviews with industry leaders to uncover these critical best practices ACORD research is available to all ACORD across the insurance value chain. members at www.acord.org/research.

The ACORD U.S. Workers’ Compensation Performance Study was released in January, and was a first-of-its-kind review of this $48 billion market. ACORD examined the top 50 Workers’ Compensation writers in the country, segmented them into value categories, analyzed the criteria for success, and identified winning strategies, tactics, and capabilities.

ACORD also released the results of our UK Digital Customer Experience Survey in 2018, rating the online experience delivered by insurance companies in UK personal lines. The study screened over 1000 websites selling personal lines insurance, and used a proprietary

7 Industry Publications Events

ACORD partnered with a number of leading industry publications in 2018 to author articles ACORD held its annual flagship event, ACORD on insurance business and technology. These Connect, in New Orleans in October. ACORD included: Connect is the only industry conference which brings together stakeholders from across all • “Driving Value: The Characteristics roles, geographies, and lines of business to and Strategies of High-Performing Auto discuss key topics and trends at the intersection Insurers” (Best’s Review) of business and technology. Hundreds of members of the ACORD community attended • “Past, Present, and Paradox: The Ups training sessions on the ACORD Standards & and Downs of Early Adoption” (Insurance Architecture, as well as strategic sessions on Business America) current and emerging issues facing the global • “A Customer-First Approach to insurance industry. Technology” (Insurance Day) ACORD also held the fourth annual ACORD • “Global Winning Strategies” (InsurTech InsurTech Innovation Challenge, the world’s News) premier event for innovation in insurance • “The Biggest Risk for Most Insurers in technology. Representatives from dozens of 2019” (Reactions) hopeful startups pitched their innovations at semi-final rounds in New York, Chicago, and London, with six advancing to the global finals at ACORD Connect. Winners and finalists earned a total of approximately $150,000 worth of prizes.

For the ACORD Events Calendar and registration information, seewww.acord.org/events .

8 Global Insurance Marketplace Studies

At ACORD’s flagship annual event, ACORD Connect, CEO Bill Pieroni presented two keynote sessions showcasing ACORD’s 2018 Global Insurance Marketplace Study. This story leveraged ten years of data across 90 countries and more than 8,500 insurers to identify the key factors required for successful execution across multiple distinct types of global markets.

ACORD segmented global insurance markets by insurance GDP penetration and growth, and examined the strategies and differentiating capabilities of high-performing carriers in each type of market. Key questions answered include: • Which strategy is most often employed by successful insurance companies? Do market types require winners to leverage some strategies more than others? • What are the capability characteristics of winning carriers – process, organization, and technology? • What are the “no regret” moves insurance companies can employ regardless of strategic intent?

Results were presented for both the both the P&C and Life markets. Accompanying reports will be published in 2019.

9 ACORD CONNECTED

Women in Media Reach WII Insurance

2018 was a record-breaking year at ACORD for ACORD continued to be a prime driver of media coverage, with 250 million total media the Women in Insurance Initiative in 2018. impressions globally. Traditional publications, Formed under the auspices of STEMconnector websites, and podcasts all took advantage of and Million Women Mentors, this consortium the expertise of ACORD’s leadership through is committed to taking substantive action by interviews on a variety of business and recruiting, mentoring, and sponsoring women, technology topics. in order to drive equality in career advancement and leadership industry-wide. Insurance is the PropertyCasualty360.com carried exclusive first industry to come together as a whole to coverage of the ACORD U.S. Property & form an initiative of this kind. Casualty Value Creation Study, including an in-depth video interview with CEO Bill Pieroni. ACORD contributed significantly to the 2018 Other topics which generated extensive media edition of the Women in Insurance: Leading interest included the finals of the ACORD to Action white paper, as well as a number of InsurTech Innovation Challenge, the annual meetings and conferences where industry ACORD Top Ten InsurTech Leaders list, and the leaders came together to discuss the issue of launch of collaborative digital platforms built gender parity and develop collaborative plans around ACORD Standards. and best practices to drive meaningful change.

ACORD also saw a large increase in social ACORD also launched the Millennial Women’s media engagement this year, increasing our Insurance Advancement Award in 2018, in number of followers by 47% on LinkedIn and order to recognize organizations which have Twitter. Join the conversation at: made impressive strides in attracting and retaining young women in the insurance @ACORD_Standards industry. /company/ACORD

10 Insurance Industry Award Charitable Sponsorships Foundation

In 2018, ACORD continued our longstanding ACORD was a proud sponsor of multiple participation with the Insurance Industry industry awards this year. At the 2018 Charitable Foundation. Over the past 25 years, Insurance Times Awards, ACORD presented the IICF has contributed over $31 million in local the Insurer Innovation of the Year Award, as community grants, and coordinated more than well as the Best Digital Customer Experience 300,000 hours of volunteer service at non-profit Award. For the second year in a row, the winner organizations. of the latter award was selected through research conducted as part of ACORD’s Digital ACORD is proud to contribute each year to the Customer Experience Study. creation of video profiles of grant recipients, which are shown at the annual IICF Northeast At the 2018 Insurance Day London Market Division Benefit Dinner. This year’s deserving Awards, ACORD presented the awards grantees included The Ana Grace Project, Table for Technology Initiative of the Year and to Table, and the Center for Safety and Change. InsurTech Initiative of the Year. Judges said the For the second year in a row, ACORD also made impressive nature of the winners reflected the donations to the IICF Early Literacy Initiative on dynamism of the industry and the commitment behalf of speakers at our annual conference. to excellence in the insurance community.

To find out how you can donate or volunteer, see www.iicf.org.

11 2018 ACORD Awards

The ACORD Awards are presented annually to those organizations and individuals who have demonstrated outstanding achievement in ACORD implementation and advocacy. We are proud to recognize the following recipients of ACORD Awards for 2018:

CASE STUDY AWARD LEADERSHIP AWARD: INDIVIDUAL Acuity Katia Ackermann AIG Carol Ambrose CUNA Mutual Malta Collins Lincoln Financial Patti Elliott MetLife Lisa Foiles Sequel Business Solutions Sue Heupel Synechron Nancy Kienzle Web Connectivity Nellie Massoni Willis Towers Watson Dietmar Meyer Thomas Neff

Gary Parent IMPLEMENTATION JOURNEY AWARD Robbie Tanner Aon Dennis Wilson Swiss Re

LEADERSHIP AWARD: ORGANIZATION GLOBAL CITIZEN AWARD AIG Aon Selective Insurance LM TOM Swiss Re Web Connectivity Willis Towers Watson

INDUSTRY CONTRIBUTOR AWARD MILLENNIAL WOMEN’S INSURANCE Aon ADVANCEMENT AWARD Beazley CNA The Hartford Prudential MetLife QBE Nationwide Verisk

12 INSIDE ACORD

ACORD Board of Directors

J. Spero Zacharias Christoph Carus ACORD Board Chair Head of Central Division, Senior Vice President, Chubb

Tony Mattioli Mark Cook ACORD Board Vice-Chair Global Chief Information Officer, Chief Information Officer, Marsh AssuredPartners, Inc.

Bill Pieroni Helen Crooks President & CEO, Chief Data Officer, ACORD Lloyd’s of London

Mark Esposito John Artesani SVP & CIO, EVP & COO, The Hartford Financial Services Lexington Insurance Company Group, Inc.

Sue Figueredo Steven Beard Senior Vice President, Chief Executive Officer, Business Insurance Operations, RTG & RFIB Travelers

Kirk Behrens Alessandro Iuppa Global Chief Operating Officer, Founder & Principal, AON Health Solutions Global Insurance Perspectives

Robert Kelly Dr. Ralf Schneider Managing Director & CEO, EVP & Head of Global Operations, Steadfast Group Limited Allianz

13 Kevin Kennedy Christopher Smith Chief Information Officer, EVP & Head of Global Operations, Prudential Financial MetLife

Mark Knipfer Simon Squires Chief Operating Officer, Senior Operations Lead, Zurich North America XL Catlin, AXA XL

Dave Matcham James (Jim) Tyo Chief Executive Officer, Chief Data Officer, International Underwriting Nationwide Association of London

Patrick Molineux Conor Whelan Managing Director, Chief Information Officer, LIMOSS JLT Group

Gray Nester Carol Zacharias ADS Insurance Business Senior Vice President, Information Officer/SVP, Underwriting Counsel, BB&T QBE

Robert Rusbuldt President & CEO, IIABA

Markus Schmid Head Group Information Technology Board Member, Swiss Re

14 Carriers, Reinsurers, Agents, Brokers, & Financial Services Welcome to our New Members for 2018

ACCC Insurance Company Capitol Indemnity Corporation Accident Fund Group Casualty Underwriters Insurance Co ACUITY Celina Insurance Group AEGON USA Group Central Insurance Companies AIG Century Insurance Group AIG Life & Retirement Group Chesapeake Employers’ Insurance Company Alfa Insurance Group Chubb Alliance United Insurance Company The Cincinnati Insurance Company Allianz Global Risk US Insurance Company Cincinnati Life Insurance Allianz Life Insurance Company of North America Civil Service Employees Group Allstar Underwriters, Inc. CNA Insurance Companies American Compensation Insurance Company Columbia Insurance Group American Equity Investment Life Insurance Company CompSource Mutual American Family Life Assurance Company of America (Aflac) Co-operative Insurance Company American Fidelity Assurance Company Cornerstone National Insurance Group American Insurance Acquisition, Inc. Cumberland Insurance Group American Risk Insurance CUNA Mutual Group Americo Life Group Cypress Property & Casualty Insurance Company Amerisafe Insurance Group Cypress Texas Insurance Company Amerisure Mutual Holdings, Inc. Donegal Group Ameritas Life Insurance Corporation Dongbu Insurance Company, Ltd. USB AMP Services, Ltd. Dryden Mutual Insurance Company Andover Companies Elephant Insurance Company AON Service Corporation EMC Insurance Companies Arbella Insurance Group Employers Insurance Group Arthur J. Gallagher & Co (Aus) Limited Encompass Group Assured Partners Endurance Assurance Corporation Assurity Life Insurance Company Endurance Worldwide Insurance, Ltd. Australian Administration Services (AAS)/Link Group Enumclaw Insurance Group Auto & General Insurance Erie Insurance Group Auto-Owners Insurance Everest Global Services AXA Equitable Life Insurance Company EY Global Services, Ltd. BB&T Insurance Holdings, Inc. Farm Bureau P&C Group The Brethren Mutual Insurance Company Farmers Mutual Insurance Company of Brotherhood Mutual Insurance Company FBL Financial Group, Inc. Buckeye Insurance Group FCCI Insurance Group California Earthquake Authority Federated Life Insurance Company California Mutual Insurance Company Fidelity Investments Life Insurance Company Cameron Mutual Insurance Company First American Corporation Property & Casualty Companies Capital Insurance Group Frank Cowan Company, Ltd.

15 Carriers, Reinsurers, Agents, Brokers, & Financial Services Welcome to our New Members for 2018

Frankenmuth Insurance Liberty Mutual Insurance Company Franklin Mutual Group Lincoln Financial Group Frederick Mutual Insurance Group Lloyd’s Fremont Insurance Company Loudoun Mutual Insurance Company Gard Marine & Energy, Ltd. Main Street America Group General Atlantic Service Company, LLC MAPFRE North America Group General Re Corporation Markel Corporation Group Germania Mutual Group Marsh, Inc. Global Aerospace Underwriting Managers Marysville Mutual Global Indemnity Group MassMutual Financial Group Goldman Sachs MEMIC Group Goodville Mutual Casualty Company Mennonite Mutual Insurance Company Grange Mutual Casualty Group Merchants Insurance Group Great American Group Merrill Lynch Insurance Group Great Northwest Insurance Company MetLife, Inc. Great West Casualty Company Middlesex Mutual and Holyoke Mutual Greyhawk Insurance Company Millville Mutual Insurance Companies Grinnell Mutual Reinsurance Company MLC Life Insurance Guardian Life Insurance MMG Insurance Company GuideOne Insurance Group Morgan Stanley Gulfstream Property and Casualty Insurance Co Motorists Insurance Group Hallmark Insurance Group Mountain States Insurance Group Hannover Rück SE Munchener Rückversicherungs-Gesellschaft AG The Hanover Insurance Group Mutual Benefit Group Hart Re Group Mutual of Omaha The Hartford Insurance Group Nassau Reinsurance Group Hastings Mutual Insurance National General Companies Hawaii Employers Mutual Nationwide Insurance Hingham Mutual Fire Insurance Nedgroup Insurance Company, Ltd. (NEDIC) Hochheim Prairie Group Nedgroup Life Assurance Company Limited The Hollard Insurance Company, Ltd. Mutual Group Housing Authority Insurance Group New York Life Group IDS Property Casualty Insurance Company NIAC - Nonprofits’ Insurance Alliance of California Illinois Mutual Life Insurance Company The Norfolk & Dedham Group IMT Insurance Company Normandy Insurance Company iSurity Northbridge Financial Corporation Jackson National Life Insurance Company Northwest G F Mutual Jardine Lloyd Thompson Group PLC NYCM Insurance Group Kalm Seas Insurance, Inc. NYSIF Kemper Property and Casualty Group Ohio Mutual Insurance Group

16 Carriers, Reinsurers, Agents, Brokers, & Financial Services Welcome to our New Members for 2018

Oklahoma Farm Bureau Group State Farm Group Old Mutual Insure, Ltd. Steadfast Group, Ltd. Oregon Mutual Insurance Company Sterling Insurance Company Pacific Life Group Stillwater Insurance Group Pacific Specialty Insurance Group Stonetrust Commercial Insurance Company Palisades Group Swiss Re Management, Ltd. Pan-American Life Group TAL Services, Ltd. PartnerRe US Group Tawuniya Pekin Insurance Group Texas Mutual Insurance Company Penn National Insurance Thrivent Financial for Lutherans Pennsylvania Lumbermens Mutual Insurance Company Tokio Marine Group Permanent General Insurance Corporation Torchmark Corporation Pioneer State Mutual Insurance Company Transatlantic Reinsurance Plymouth Rock Companies , Inc. Preferred Mutual Insurance Company Tuscarora-Wayne Group Price Forbes & Partners Union Mutual of Vermont Companies Principal Life Group United Fire & Casualty Group Progressive Group United Heritage Property & Casualty Group Prudential Financial Universal Insurance Company of Puerto Rico QBE International Group Universal Life Insurance Company QIC Global Services Ltd Utica First Insurance Company Quincy Mutual Group Utica National Insurance Group R&Q Investment Holdings, Ltd. Vermont Mutual Group RenaissanceRe Service, Ltd. Viking Insurance Company of RFIB Group, Ltd. VOYA RVOS Farmers Mutual Group W R Berkley Corporation Safety Group West Bend Mutual Group Santam, Ltd. Western Mutual Insurance Group SCOR Group Western National Insurance Group SECURA Insurance Companies Western Reserve Pool Select Solutions Westfield Group Selective Insurance Company of America WestGUARD Insurance Company Sentry Select Insurance Company Willis Towers Watson Service LLoyds Insurance Company Wisconsin Mutual Insurance Company SFM Mutual Insurance Companies Wolverine Mutual Insurance Company Shelters Insurance Companies - NA Spinnaker Insurance Company Standard Bank Star Casualty Insurance State Auto Insurance Companies

17 Solution Providers Welcome to our New Members for 2018

Accenture EMSI ACORD Solutions Group Equinix, Ltd. Advantage Information Systems, Inc. Etherisc GmbH Agency Computer Systems, Inc. Eurobase Agency Integration Systems, Inc. Evolution Agency Management, LLC Agency Matrix, LLC ExamOne, A Quest Diagnostics Subsidiary Agency Software, Inc. Exari, Ltd. Agency Systems EXL Service Holdings, LLC American Para Professional Systems, Inc. EZLYNX by Webcetera LP Applied Systems, Inc. Fiduciary Exchange, LLC Appulate, Inc. Focus Technologies, LLC Artificial Labs GENPACT India Pvt, Ltd. Assurance Systems, Inc. Gratex International ASTUTE Financial Services Exchange Groundspeed Analytics, Inc. B3i Services AG Guidewire Software, Inc. Benefitfocus HawkSoft, Inc. Blocksure, Ltd. Hi Marley, Inc. Bold Penguin, Inc. HyperScience Boston Software Corporation I2S INFORMATICA - SISTEMAS E SERVIÇOS, SA. Broker Buddha IBM Capgemini I-Engineering.com, Inc. Catex IMAgine Analytics, LLC CGI Technologies and Solutions, Inc. Indio Technologies, Inc. Chainthat, Ltd. Infosys McCamish Systems, LLC Charles Taylor InsureTech Limited Insurance Automation Group Chinook Management Systems, LLC Insurance Technologies Clinical Reference Laboratory Insurance Technologies Corporation Cloverleaf Analytics, Inc. InsuranceCONNECT Pty, Ltd. CodeObjects Insurancelabs, LLC Cognizant Insurercore.com, Ltd. Combined Computer Services B.V. InsureScan Crawford & Company Insurify Deloitte Consulting Insurity, Inc. DOCOsoft, Ltd. Intruity Corporation DTCC Intuitive Web Solutions Duck Creek Technologies, LLC iPipeline DXC Technology iXledger, Ltd. eBaoTech, Inc. JDX Inserve, Ltd. Ebix, Inc. Kamet eBridge, Inc. Knowledgemill, Ltd.

18 Solution Providers Welcome to our New Members for 2018

L&T Infotech StoneRiver LexisNexis Strategic Insurance Software, LLC Lineslip Solutions, Inc. Stripe Global Services, Ltd. LTCG (Long Term Care Group, Inc.) SuperChoice Services Majesco Superior Access Insurance Services, Inc. Marsh ClearSight (CS Stars) Synechron, Inc. MFXchange US, Inc. Tata Consultancy Services MIB Group, Inc. TechCanary Mindtree TIW Group, Ltd. Mitchell International, Inc. Tower IQ Mphasis Corporation Trace Isys, Ltd. MRLN, Inc. TransUnion MSG Systems AG TribeAML, Inc. NIIT Insurance Technologies, Ltd. Two Sigma Insurance Quantified Nissay Information Technology UiPath North American Software Associates ValueMomentum, Inc. Novidea, Inc. Verisk Analytics Oban Pty, Ltd. Vertafore, Inc. One, Inc. Veruna, LLC Oracle Corporation VIPR, Ltd. Pegasystems, Inc. Virtusa Corporation Penguin Tech Vlocity, Inc. PilotFish Technology VTX, LLC Proformex Wave Insurance Technologies AVYST Quomation Insurance Services, Inc. Web Connectivity, Ltd. QuotePro Xanatek, Inc. r10 Consulting LLP Xceedance, Inc. Resource Pro, LLC Xchanging Ins-sure Services, Ltd. RiskBlock Alliance XDimensional Technologies, Inc. SalesForce Sapiens Software Solutions (IDIT), Ltd. Se2 Security Federal Premium Pay Plans Send Technology Solutions Sentry IMS Sequel Business Solutions, Ltd. Sheraton Systems, Ltd. Silvervine Solstice Innovations Sphera Solutions

19 Associations & Others

AAIS - American Association of Insurance Services NIPR - National Insurance Producer Registry AAMGA NUDGMI - National Users Development Group for Michigan, Inc. AIPSO - Automobile Insurance Plans Service Office OMG - Object Management Group Applied Client Network PIA National - Professional Insurance Agents CIAB - Council of Insurance Agents & Brokers Reinsurance Administration Professionals Association CIECA - Collision Industry Electronic Commerce Association RIMS - The Risk & Insurance Management Society CLIEDIS - The Canadian Life Insurance Standards SFAA - The Surety & Fidelity Association of America Association The South African Insurance Association Commonwealth Automobile Reinsurers TMEL - The Message Exchange Limited CSIO - Centre for Study of Insurance Operations UAC - Underwriting Agencies Council HR Open Standards Consortium Underwriters Rating Board IAIABC - International Association of Industrial Washington Surveying & Rating Bureau Accident Boards and Commissions XBRL International, Inc. Surveying & Rating Bureau IDMA, Inc. - Insurance Data Management Association IFX Forum, Inc. - Interactive Financial eXchange Forum IIABA - Independent Insurance Agents & Brokers of America IRI - Insured Retirement Institute IRLA - Insurance and Reinsurance Legacy Association IUA - International Underwriting Associations Lloyd’s Market Association NAILBA - National Association of Independent Life Brokerage Agencies NAPSLO - National Association of Professional Surplus Lines Offices, Ltd. NASBP - National Association of Surety Bond Producers NASPA - National Association of SIS Partner Agents, Inc. NCCI - National Council of Compensation Insurance NetVU Nexsure User Group

20 Forms Pool Welcome to our New Subscribers for 2018

Accident Fund Group Cimarron Insurance Company, Inc. ACUITY CIS Insurance Group AEGIS Limited Colorado Farm Bureau Mutual Affinity Mutual Insurance Compensation Rating and Inspection Bureau of NJ Alamance Farmers’ Mutual Insurance Group Conifer Insurance Company Alaska National Insurance ConocoPhillips Company Alfa Insurance Group Cook Children’s Indemnity Company Allianz Global Risk US Insurance Company CopperPoint Mutual Insurance Company American Family Insurance Group Country Insurance & Financial Services (P&C) American Millennium Insurance Company Countryway Insurance Company Amerisafe Insurance Group CSAA Insurance Services, Inc. Amerisure Mutual Holdings, Inc. De Smet Farm Mutual AmTrust Group Eastern Alliance Insurance Group Arbella Insurance Group Elephant Insurance Co Argonaut Group Encompass Group Assurant Group Erie Insurance Group AT&T Services, Inc. Everest Global Services Ategrity Specialty Insurance Company Exxon Mobil Risk Management, Inc. Attorneys Insurance Mutual of the South, Inc. Fairfax Financial Companies (US)billing Autoteam, Inc. Farm Bureau Insurance AXIS US Operations Farm Bureau Mutual of Idaho Baldwin & Lyons Group Farm Bureau P&C Group Banner Indemnity, Ltd. Farm Bureau Town & Country Insurance Company of Barnstable Group Missouri Barton Mutual Insurance Farm Family Insurance Group Berkshire Hathaway Group Farmer Mutual Insurance Company of Noble County Briar Creek Mutual Insurance Company Farmers & Mechanics Group BrickStreet Mutual Insurance Farmers & Merch Mutual Fire Brotherhood Mutual Insurance Company Farmers Alliance Companies Builders Insurance Group Farmers Fire Insurance Companies of Pennsylvania Builders Mutual Insurance Group Farmers Insurance Company of Flemington California Casualty Group Farmers Mutual Insurance of West Virginia CAMICO Mutual Insurance Company Farmers Union Mutual of Canal Group Farmers Union Mutual of Caterpillar Insurance Group FBAlliance Insurance Company Chesapeake Employers’ Insurance Company Federated Mutual Group Church Mutual Insurance FFVA Mutual Insurance Company

21 Forms Pool Welcome to our New Subscribers for 2018

FHM Insurance Company Kentucky Farm Bureau Group First Benefits Insurance Mutual Kentucky National Insurance Group First Chicago Insurance Company Kingstone Insurance Company Florida Specialty Insurance Company LA Home Builders Self Insurers Florida United Businesses Association Lackawanna Insurance Group Florida Workers Compensation Joint Underwriting Lexon Bond Group Association Little Black Mutual Insurance Group FMH Insurance Group Louisiana Workers Compensation Corporation Forestry Mutual Insurance Company Group Lousiana Pest Control Insurance Company (LPCIC) Fortegra P&C LUBA Insurance Group FRSA Self Insurers Fund MAPFRE PRAICO Insurance Group Germania Mutual Group Markel Corporation Group Germantown Mutual Insurance Markel Corporation Group (Non-member FP) Grace Indemnity Company, Ltd. McM Corporation Group Granada Insurance Company Meadowbrook Insurance Group Grange Insurance Group MedMal Direct Insurance Company The Gray Insurance Company MEMIC Group Greater New York Group Mercury General Group Great-West Life Group Middleton Insurance Company Harford Mutual Insurance Companies Midwest Family Mutual HIIG Group Millers Mutual Group Hiscox USA Group Joint Underwriting Association Hochheim Prairie Group Missouri Employers Mutual Ins Group Hospitals Insurance Company, Inc. Missouri Valley Mutual Hyundai Marine & Fire Insurance MLMIC Group ICW Group Munchener Rückversicherungs-Gesellschaft AG Idaho State Insurance Fund Narragansett Bay Insurance Company IFG Companies National American Insurance Illinois Casualty Company National Fire & Indemnity Exchange Illinois FAIR Plan National General Companies Indiana Farmers Mutual Nazareth Mutual Insurance Infinity Casualty Insurance Company New York Marine Group Insurors Indemnity Group New York Property Insurance Underwriters Association Integrand Assurance Company NJSIG (New Jersey School Insurance Group) Interboro Insurance Company NLC Insurance Companies Joint Insurance Association (FAIR Plan) Nodak Mutual Group Juniata Mutual Insurance North Star Companies Group

22 Forms Pool Welcome to our New Subscribers for 2018

Northern Mutual Insurance Company of Michigan Society Group Northern Neck Insurance Company Sompo Holdings US Group Ohio Bureau of Workers Compensation Southern Farm Bureau Group Old Glory Insurance Company Southern Mutual Church Insurance Company Old Republic General Group Southern Trust Insurance Company OneBeacon Insurance Group State Compensation Insurance Fund of California Oregon Dental Services Group SteadPoint Insurance Group Oriska Insurance Company Stillwater Insurance Group Pharmacists Mutual Insurance Sutter Insurance Group Piedmont Mutual Insurance Company Swiss Re Management, Ltd. Pinnacol Assurance Symetra Life Group Plymouth Rock Companies T. H. E. Insurance Company The PMA Capital Insurance Group TASB Risk Management Fund Preferred Healthcare Liability Insurance Program SPC Tennessee Farmers Insurance Company Preferred Professional Insurance Company Texas Mutual Insurance Company Prepared Insurance Company TML Risk Management Pool Progressive Group Transit General Insurance Company Providence Mutual Group The Triangle Companies RAM Mutual Insurance Group Underwriters Rating Board & Affiliated Companies Red Shield Insurance Company United Farm Bureau of IN Group “Republic Western Insurance Group Universal Insurance Holdings Inc (REPWEST)” UPMC Risk Management Resources Inc Local Government Trust RLI Group Victory Insurance Company, Inc. Rockford Mutual W R Berkley Corporation Rockingham Group The Warranty Group Rural Mutual Insurance Company Wayne Mutual Insurance Company SafePoint Insurance WCF Insurance Group Safety Group Western & Southern Financial Group Safety National Casualty Corporation Wisconsin Municipal SAIF Corporation Wisconsin Reinsurance Group Sammons Financial Group XL CatlinAmerica Group SC Home Builders Self Insurers Fund Zenith National Insurance Group Sentry Group Sentry Select Insurance Company Service LLoyds Insurance Company Shelter Insurance Companies

23 Forms Redistribution Welcome to our New Subscribers for 2018

Abacus Insurance Brokers, Inc. Commercial Insurance Group, LLC ABI Business Insurance Services, Inc. Couch Braunsdorf Abram Interstate Insurance Services, Inc. Diversified Commercial Insurers ACORD Solutions Group Diversified Risk Solutions, LLC Advantage Information Systems, Inc. The Doctors Company Ag Risk Insurance, Inc. Duck Creek Technologies, LLC Agency Business Systems, Inc. Ebix, Inc. Agency Computer Systems, Inc. eBridge, Inc. Agency Matrix, LLC EDI Concepts, Inc. Agency Software, Inc. Energi Insurance Agency Systems Evolution Agency Management, LLC Allied Specialty Insurance, Inc. Exigis, LLC Allstar Underwriters, Inc. EZLYNX by Webcetera LP AON Service Corporation Farmers Mutual Insurance Agency Appalachian Underwriters, Inc. FergTech, Inc. Applied Systems, Inc. First Choice Insurance Intermediaries Appulate, Inc. Focus Technologies, LLC Arrowhead General Insurance Agency Gagliardi Insurance Services, Inc. Ascendant Underwriters, LLC The Glatfelter Agency Assurance Systems, Inc. Global Aerospace Underwriting Managers Atlatl Graham Rogers, Inc. Auburn Insurance Agency, Inc. HawkSoft, Inc. Automatic Data Processing Insurance Agency, Inc. The Heffernan Group BB&T Insurance Holdings, Inc. Higginbotham Boston Software Corporation Hoffman Computer Systems Braishfield Associates HyperScience BritAmerica, Inc. IBQ Systems Builders & Tradesmen’s Insurance Services, Inc. I-Engineering.com, Inc. Burns & Wilcox, Ltd. Impressive Publishing Certificate Exchange Insurance Technologies Corporation CGI Technologies and Solutions, Inc. Insurance Visions, Inc. Chinook Management Systems, LLC Insureon Choices Software, Inc. Insurity, Inc. City of Los Angeles International Risk Management Institute Coastal Insurance Underwriters, Inc. Intruity Corporation Cochrane & Company Iroquois Group, Inc. The Colonial Group, Inc. Jaeger & Haines, Inc. Combined Group Insurance Services, Inc. Johnson & Johnson, Inc.

24 Forms Redistribution Welcome to our New Subscribers for 2018

Kapnick & Company, Inc. Silverlake Software, LLC Keystone Insurers Group Simply Business Leavitt Group Enterprises Special Agent, Inc. Lineslip Solutions, Inc. Special Risks, Ltd. Lockton Company Specialty Insurance Agency Lyme Street Risk (Pty) Ltd. Specialty Programs & Facilities Managers, Inc. M.J. Kelly Company Strategic Insurance Software, LLC Majesco Superior Access Insurance Services, Inc. Marsh ClearSight (CS Stars) Symmetry Technology Labs, Inc. McDonald Insurance Agency TechCanary Midlands Management Corporation Technology Insurance Associates MiniCo Insurance Agency, LLC Thaxton & Associates Morstan General Agency Tower Hill Insurance Group, LLC Myron F Steves & Company Trident Insurance Services, LLC Next-Insurance Trust Risk Management Services, Inc. North American Software Associates USI Insurance Services Northeast Coverages, Inc. ValueMomentum, Inc. Novidea, Inc. Verifly Insurance Services, Inc. NowCerts, LLC Vertafore, Inc. Outdoor Underwriters Veruna, LLC Outline Insurance Services, Inc. VRC Insurance Systems PIA National - Professional Insurance Agents W.A. Schickedanz Agency, Inc. Policy Works, Inc. Wave Insurance Technologies AVYST Professional Program Insurance Brokerage WCIO - Workers Compensation Insurance Quikfuzion Organizations Quomation Insurance Services, Inc. Winchester General Agency, Inc. Record Guardian Technologies, Inc. Wolters Kluwer Financial Services RIC Insurance General Agency Woodruff-Sawyer & Company Risk Insurance Services Xanatek, Inc. Risk Toolbox, Inc. XDimensional Technologies, Inc. Safehold Special Risk, Inc. SAN Group SeaCoast Underwriters, Inc. Security Federal Premium Pay Plans Self Insured Solutions Sentry IMS Service First Insurance Group, LLC Shield Commercial Insurance Services, Inc.

25 Reference Architecture Welcome to our New Subscribers for 2018

ACCC Insurance Company Century Insurance Group Accident Fund Group Chesapeake Employers’ Insurance Company ACUITY Chubb AEGON USA Group The Cincinnati Insurance Company AIG Cincinnati Life Insurance AIG Life & Retirement Group Citizens Property Insurance Corporation Alfa Insurance Group Civil Service Employees Group Alliance United Insurance Company CNA Insurance Companies Allianz Global Risk US Insurance Company Cognizant Allianz Life Insurance Company of North America Columbia Insurance Group American Compensation Insurance Company CompSource Mutual American Equity Investment Life Insurance Company Consumer United, Inc. American Family Life Assurance Company of America (Aflac) Co-operative Insurance Company American Fidelity Assurance Company Cornerstone National Insurance Group American Insurance Acquisition, Inc. Crawford & Company American Risk Insurance Cumberland Insurance Group Americas Insurance Company CUNA Mutual Group Americo Life Group Delta Dental Of California Amerisafe Insurance Group Donegal Group Amerisure Mutual Holdings, Inc. Dongbu Insurance Company, Ltd. USB Ameritas Life Insurance Corporation EMC Insurance Companies AMP Services, Ltd. Employers Insurance Group AmTrust North America, Inc. Encompass Group Andover Companies Endurance Assurance Corporation AON Service Corporation Endurance Worldwide Insurance, Ltd. Arbella Insurance Group Enumclaw Insurance Group Assured Partners Erie Insurance Group Assurity Life Insurance Company Farm Bureau P&C Group Auto-Owners Insurance Farmers Mutual Insurance Company of Nebraska The Brethren Mutual Insurance Company FBL Financial Group, Inc. Brotherhood Mutual Insurance Company FCCI Insurance Group Buckeye Insurance Group Federated Life Insurance Company California Earthquake Authority First American Corporation Property & Casualty Companies California Mutual Insurance Company Frank Cowan Company, Ltd. Cameron Mutual Insurance Company Frankenmuth Insurance Capital Insurance Group Franklin Mutual Group Capitol Indemnity Corporation Frederick Mutual Insurance Group Casualty Underwriters Insurance Co Fremont Insurance Company Celina Insurance Group Gard Marine & Energy, Ltd. Central Insurance Companies General Re Corporation

26 Reference Architecture Welcome to our New Subscribers for 2018

Germania Mutual Group MassMutual Financial Group Global Indemnity Group MEMIC Group Goodville Mutual Casualty Company Mennonite Mutual Insurance Company Grange Mutual Casualty Group Merchants Insurance Group Great American Group Merrill Lynch Insurance Group Great Northwest Insurance Company MetLife, Inc. Great West Casualty Company Middlesex Mutual and Holyoke Mutual Grinnell Mutual Reinsurance Company Miller Insurance Services, LLP. GRUPO CORPORATIVO GFI INFORMATICA, S.A. Millville Mutual Insurance Companies Guardian Life Insurance MLC Life Insurance GuideOne Insurance Group MMG Insurance Company Gulfstream Property and Casualty Insurance Co Morgan Stanley Hallmark Insurance Group Motorists Insurance Group Hannover Rück SE Mountain States Insurance Group The Hanover Insurance Group MS Frontier Reinsurance, Ltd. Hart Re Group Munchener Rückversicherungs-Gesellschaft AG The Hartford Insurance Group Mutual Benefit Group Hartford Life Group Mutual of Omaha Hastings Mutual Insurance Nassau Reinsurance Group Hawaii Employers Mutual National General Companies Hingham Mutual Fire Insurance Nationwide Insurance Hochheim Prairie Group New Mexico Mutual Group The Hollard Insurance Company, Ltd. New York Life Group Housing Authority Insurance Group NIAC - Nonprofits’ Insurance Alliance of California IDS Property Casualty Insurance Company The Norfolk & Dedham Group Illinois Mutual Life Insurance Company Northbridge Financial Corporation IMT Insurance Company Northwest G F Mutual iSurity NYCM Insurance Group Jackson National Life Insurance Company Ohio Mutual Insurance Group Jardine Lloyd Thompson Group PLC Farm Bureau Group Kemper Property and Casualty Group Old Mutual Insure, Ltd. Liberty Mutual Insurance Company Oregon Mutual Insurance Company Lincoln Financial Group Pacific Life Group Lloyd’s Pacific Specialty Insurance Group Loudoun Mutual Insurance Company Palisades Group Main Street America Group Pan-American Life Group MAPFRE North America Group PartnerRe US Group Markel Corporation Group Pekin Insurance Group Marsh, Inc. Penn National Insurance Marysville Mutual Pennsylvania Lumbermens Mutual Insurance Company

27 Reference Architecture Welcome to our New Subscribers for 2018

Permanent General Insurance Corporation Torchmark Corporation Pioneer State Mutual Insurance Company Tower Hill Insurance Group, LLC Plymouth Rock Companies Transatlantic Reinsurance Preferred Mutual Insurance Company The Travelers Companies, Inc. Price Forbes & Partners Tryg Forsikring A/S Principal Life Group Tuscarora-Wayne Group Progressive Group Union Mutual of Vermont Companies Prudential Financial United Fire & Casualty Group QBE International Group United Heritage Property & Casualty Group QIC Global Services Ltd Universal Insurance Company of Puerto Rico Quincy Mutual Group Utica First Insurance Company R&Q Investment Holdings, Ltd. Utica National Insurance Group RFIB Group, Ltd. Vermont Mutual Group RVOS Farmers Mutual Group Viking Insurance Company of Wisconsin Safety Group VOYA SalesForce W R Berkley Corporation Santam, Ltd. Wells Fargo Bank N.A. SCOR Group West Bend Mutual Group SECURA Insurance Companies West Monroe Partners Selective Insurance Company of America Western National Insurance Group Sentry Select Insurance Company Western Reserve Pool Service LLoyds Insurance Company Westfield Group SFM Mutual Insurance Companies Willis Towers Watson Shelters Insurance Companies Wisconsin Mutual Insurance Company Spinnaker Insurance Company Wolverine Mutual Insurance Company Standard Bank XLCatlin Reinsurance Star Casualty Insurance Zurich Insurance Group - NA State Auto Insurance Companies State Farm Group Steadfast Group, Ltd. Sterling Insurance Company Stillwater Insurance Group Stonetrust Commercial Insurance Company Swiss Re Management, Ltd. TAL Services, Ltd. Tawuniya Texas Mutual Insurance Company Thrivent Financial for Lutherans Tokio Marine Group Topdanmark EDB A/S

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