JAPANESE BUSINESS INSURANCE

We believed that even within this challenging insurance environment, that most risks could be insured profitably if properly developed, evaluated, underwritten, priced and serviced by experienced personnel. Based on this belief, and careful review of the other "programs" generally available to this class of business, we identified that there is significant niche that existed in the area of upscale Japanese Business that met this criteria.

Based on our extensive knowledge of this business and the way in which the standard classifications are currently applied within the insurance industry, we strongly felt the need to recognize the special risk characteristics of these quality Japanese businesses within the overall industry classification and premium structure.