We are an independent manager providing:

USA Risk Group of Vermont, Inc.: USA Risk Group of Vermont, Inc. specializes in designing and managing alternative risk financing programs, including single parent captives, risk retention groups, pools, association captives and other group insurance arrangements. The Group manages a diverse range of clients from Fortune 500 companies to small corporations and policyholder-owned group programs. The types of coverage these captives provide vary widely and include general and professional liability, product liability, medical malpractice, workers' compensation/employers' liability, pollution cover, as well as standard property lines, including traditional policy forms and specialized forms to meet their individual needs. Our senior staff members have many years of experience handling all aspects of captive formation and management.

USA Risk Group of South Carolina: As recognized experts in the design, formation and management of captives and risk retention groups, USA Risk Group of South Carolina provides experience, specialization and quality performance in its management services. Sophisticated reporting systems assure you that you and state regulators receive timely, accurate financial reports which are customized to your requirements. The company can also provide quality ancillary services locally and nationally through its membership in USA Risk Group.

USA Risk Group West: USA Risk Group West is an independent alternative risk manager located in the newly emerging domicile of Arizona. Arizona's dedicated regulatory staff and low-cost environment make it an attractive option, especially for West Coast companies.

USA Risk Group Offshore:

• USA Risk Group (Bermuda), Ltd. is located in a center of innovation for the global insurance industry. Unique funding and regulatory advantages are available from this offshore domicile.
  
• USA Risk Group (BVI), Inc. offers the flexibility and regulatory advantages of this offshore domicile.
  
• USA Risk Group (Cayman), Ltd. due to its acquisition of the JLT Risk Solutions (Cayman) business immediately became one of the largest independent insurance managers in the Cayman Islands with a dedicated team of specialists with expertise forming and administering captive insurance companies. Second only to Bermuda in size, this domicile remains the first choice for healthcare, creditor life captives and insurance securitizations.

USA Risk Intermediaries, LLC: USA Risk Intermediaries, LLC offers reinsurance consultation, design, placement, and management for property and casualty insurance, in addition to various liability and finite reinsurance structures.

USA Risk Brokers, Ltd.: USA Risk Brokers, Ltd. is a Bermuda-based intermediary providing complete consultation, design, structure, placement, and management services for reinsurance programs. It is a subsidiary of USA Risk Group (Bermuda), Ltd.

GapAssist™ Inc: GapAssist™ is an innovative new solution to address insurance collateralization. It eliminates the need to post cash security for letters of credit where letters of credit are needed to meet gap collateral requirements.

National Computerized Agencies: National Computerized Agencies: National Computerized Agencies (NCA) is a highly specialized insurance agency whose concentration is on the mass merchandising of personal lines. Utilizing its proprietary payroll deduction accounting systems, NCA is able to payroll deduct all forms of property & casualty, life insurance, and financial services products for individuals in an effective, efficient manner with no fees or finance charges. The system permits NCA access to different insurance companies and financial institutions in a single program from an employer or association group.

As the nation's leading independent alternative market service provider, USA Risk Group demonstrates its strength through the formation and successful management of captives, risk retention groups, sponsored programs, self insured groups and other alternative market insurance facilities. With impartial analysis, in-depth market knowledge, and technical and regulatory expertise, we have the right combination of specialized resources and expertise to design and implement a facility that will be most effective for your company or organization.