Altegris

ABOUT

Altegris is a leading provider of premier alternative investment strategies designed for financial professionals and individuals seeking to improve their portfolio diversification. Altegris follows a disciplined process for identifying, evaluating, selecting, and monitoring investment talent across a spectrum of alternative strategies including managed future, global macro, long/short equity, private equity, event-driven, and others. The Altegris companies include Altegris Investments, Altegris Advisors, Altegris Funds, and Altegris Clearing Solutions.

Headquarters

La Jolla, California, United States

Tenure of investment

2013 - Present

Fund

Fund II

Aquiline Board Representation

2 of 7 seats

Richard P. Rosenbaum

Steven Spiegel

Sector

Investment Management

Armour Group Ltd.

ABOUT

Armour is a global leader in the property and casualty (“P&C”) run-off insurance industry. Armour is a group consisting of licensed (re)insurers, asset managers and service companies and is led by two co-founders who each have over 15 years of experience successfully executing run-off transactions. The company acquires discontinued portfolios from insurers who are looking to free up capital.

Headquarters

Hamilton, Bermuda

Tenure of investment

2017-Present

Fund

Fund III

Aquiline Board Representation

2 of 6

Christopher E. Watson

Jason A. Rotman

Sector

Insurance

Ascensus, Inc.

ABOUT

Ascensus is the largest independent retirement and college savings services provider in the United States, helping over 6 million Americans save for the future. With more than 30 years of experience, the firm partners with financial institutions to offer tailored solutions that meet the needs of financial professionals, employers, and individuals. Ascensus specializes in recordkeeping, administrative, and program management services, supporting over 40,000 retirement plans and over 3.3 million 529 college savings accounts. It also administers more than 1.5 million IRAs and health savings accounts.

Headquarters

Dresher, Pennsylvania, United States

Tenure of investment

2015-Present

Fund

Fund III

Aquiline Board Representation

2 of 7 Seats

Vincenzo La Ruffa

Richard P. Rosenbaum

Sector

Financial Technology and Services, Investment Management

AssetMark Inc.

ABOUT

AssetMark is a leading independent provider of innovative investment and consulting solutions serving financial advisors. The firm provides investment, relationship, and practice management solutions that advisors use to help clients achieve their investment objectives and life goals.

Headquarters

Concord, California, United States

Tenure of investment

2013 - 2016

Fund

Fund II

Aquiline Board Representation

N/A

Sector

Investment Management

Beach & Associates, Ltd.

ABOUT

Beach is a leading independent specialty reinsurance intermediary with a reputation for innovative reinsurance placements for complex and technical books of business. Operating in London, Bermuda, Toronto, and New York, Beach works with major insurance companies to understand and achieve corporate risk management goals through the purchase of reinsurance.

Headquarters

Toronto, Canada

Tenure of investment

2014 - Present

Fund

Fund II

Aquiline Board Representation

4 of 7 seats

Jason A. Rotman

Christopher E. Watson

Sector

Insurance

BI-SAM Technologies SA

ABOUT

BISAM is the leading provider of sophisticated digital solutions for performance, attribution, market risk, portfolio construction, GIPS composites management and reporting. Many of the world's largest asset managers use BISAM's best-in-class portfolio analytics platforms to evaluate and enhance their investment strategies and better service their clients, while maintaining high levels of security, transparency, process control and operational scale.

Headquarters

Boston, Massachusetts

Tenure of investment

2012 - 2017

Fund

Fund II

Aquiline Board Representation

N/A

Sector

Financial Technology and Services, Investment Management

Industry Awards

November 10, 2015 - Best Performance & Attribution Award for 8th Consecutive Year

BitPay

ABOUT

BitPay is the leading provider of cryptocurrency payment solutions helping consumers, businesses and other financial institutions seamlessly accept and transfer Bitcoin for goods and services in the real world.

Headquarters

Atlanta, Georgia, United States

Tenure of investment

2017-Present

Fund

ATG Fund

Aquiline Board Representation

1 of 5

Max Chee

Sector

Aquiline Technology Growth

BinckBank NV

EURONEXT: BINCK.AS

ABOUT

BinckBank N.V. is an online bank for investors. Its core business is providing a comprehensive, user-friendly website that allows private investors to invest easily and quickly anywhere in the world at competitive rates. In addition to its online brokerage, BinckBank provides asset management services through its Alex Asset Management product. BinckBank is ranked in the top five online brokers in Europe and has repeatedly received awards as the best online broker in the Netherlands, Belgium and France. In addition to its branch offices in the Netherlands, Belgium, and France, BinckBank also has branch offices in Italy and a sales office in Spain.

Headquarters

Amsterdam, The Netherlands

Tenure of investment

2007 - 2009

Fund

Fund I

Aquiline Board Representation

N/A

Sector

Investment Management

Carpe Data

ABOUT

Carpe Data provides next generation predictive scoring and data products to property and casualty and life insurance companies. Leveraging the social web, online content, email intelligence, connected devices, and other forms of advanced and alternative data, Carpe Data’s products enable insurers to more accurately predict risk and innovate with new products to meet changing customer habits.

Headquarters

Santa Barbara, California

Tenure of investment

2017-Present

Fund

ATG Fund

Aquiline Board Representation

1 of 5 Seats

Max Chee

Sector

Aquiline Technology Growth

CRT Capital Group LLC

ABOUT

CRT Capital Group has over 25 years of experience as an institutionally focused broker-dealer and continues to build a premier organization that delivers value-added research, trading, and banking services to its clients and security brokerage and research services to institutional accounts with established counterparty relationships around the world. CRT, formerly known as Credit Research and Trading LLC, was founded in 1989.

Headquarters

Stamford, Connecticut

Tenure of investment

2010-2017

Fund

Fund I

Aquiline Board Representation

N/A

Sector

Investment Management

CSI Leasing, Inc.

ABOUT

CSI Leasing, Inc. is one of the largest privately held independent equipment leasing specialists in the world with customers in more than 36 countries and more than 70 offices around the world. The company is majority owned by employees and is a member of the Equipment Leasing and Finance Association and the Association of Service and Computer Dealers International.

Headquarters

St. Louis, Missouri, United States

Tenure of investment

2012 - 2015

Fund

Fund II

Aquiline Board Representation

N/A

Sector

Banking & Credit

Clear2Pay NV

ABOUT

Clear2Pay is an innovative payments technology company focused on delivering globally applicable solutions for secure, timely and streamlined payments processing. Clear2Pay’s Open Payment Framework (OPF) enables financial institutions to improve internal payments processing efficiencies whilst at the same time providing their clients with better payment services that are faster, with richer payments related information. In 2014, FIS™ (NYSE: FIS), the world’s largest provider of banking and payments technology solutions and a global leader in consulting and outsourcing solutions, announced its acquisition of Clear2Pay.

Headquarters

Brussels, Belgium

Tenure of investment

2009-2014

Fund

Fund I

Aquiline Board Representation

N/A

Sector

Banking & Credit, Financial Technology and Services

Conning Holdings Corp.

ABOUT

Conning is a leading investment management company for the global insurance industry, with assets under management through Conning, Inc.; Conning Asset Management Limited; Cathay Conning Asset Management Limited (CCAM); Goodwin Capital Advisers, Inc;, and Conning Investment Products, Inc. The company's unique combination of asset management, risk and capital management solutions, and insurance research helps clients achieve their financial goals through customized business and investment strategies. Founded in 1912, Conning provides clients with innovative solutions, leveraging its global capabilities, investment experience, proprietary research and risk management technology. Conning delivers its services globally through its offices in Connecticut, New York, London, and Cologne, and in Hong Kong through CCAM, a joint venture between Conning and Cathay.

Headquarters

Hartford, Connecticut, United States

Tenure of investment

2009 - 2015

Fund

Fund I

Aquiline Board Representation

1 of 7 seats

Jason A. Rotman

Sector

Investment Management

Engs Commercial Finance Co.

ABOUT

Engs Commercial Finance is one of the oldest and most respected commercial finance companies in the United States, having financed equipment since 1952. Its industry-specific vendor finance programs are designed to help dealers and manufacturers sell more equipment and promote a higher percentage of repeat customers. ECF’s people, systems, policies, and procedures are designed specifically around the industries it serves with the goal of delivering best- in-class products and service to customers.

Headquarters

Lisle, Illinois, United States

Tenure of investment

2015 - Present

Fund

Fund III

Aquiline Board Representation

3 of 6 Seats

Ian D. Broadwater

G. Kennedy Thompson

Craig D. Wunderlich

Sector

Banking & Credit

ERS DGB Ltd.

ABOUT

Equity Red Star (“ERS”) is a Lloyd’s underwriting business (Syndicate 218), which has been a leading motor insurer for more than 60 years, providing quality commercial insurance solutions to customers in the United Kingdom. ERS offers a diverse range of insurance for private cars, classic cars, vans, motorcycles, taxis, minibuses, fleets, haulage, and agricultural vehicles.

Headquarters

London, United Kingdom

Tenure of investment

2013 - Present

Fund

Fund II

Aquiline Board Representation

2 of 5 seats

Jeff Greenberg

Christopher E. Watson

Sector

Insurance

EverBank Financial Corp

NYSE: EVER

ABOUT

EverBank Financial Corp, through its wholly-owned subsidiary EverBank, provides a diverse range of financial products and services directly to clients nationwide through multiple business channels. EverBank places an emphasis on value, innovation and service, offering a broad selection of banking, lending, and investing products to consumers and businesses nationwide. EverBank provides services to clients through the internet, by telephone, through the mail, at its Florida-based financial centers, and at other business offices throughout the country.

Headquarters

Jacksonville, Florida, US

Tenure of investment

2008 - Present

Fund

Fund I

Aquiline Board Representation

N/A

Sector

Banking & Credit

Fenergo Group, Ltd

ABOUT

Fenergo is an award-winning provider of enterprise Client Lifecycle Management platform solutions designed to help financial institutions to manage the end-to-end regulatory onboarding process – from onboarding, to management of client and counterparty data and regulatory compliance with existing and emerging regulations.

Headquarters

Dublin, Ireland

Tenure of investment

2015 - Present

Fund

Fund III

Aquiline Board Representation

1 of 6 seats

Igno van Waesberghe

Sector

Financial Technology and Services, Investment Management

Industry Awards

2015 RiskTech 100; 2014 Irish Software Association Outstanding Achievement in International Growth; 2014 Red Herring Europe Top 100; 2014 Inside Reference Data Best Enterprise Data Initiative – Vendor and Best Enterprise Data Initiative – Customer; 2013 Irish Software Association Best Technology Innovation of the Year; 2012 Compliance Register Platinum Awards Best Customer Onboarding Services Award; Fenergo Recognized as FinTech Forward “Company to Watch” by American Banker and BAI

First Investors Financial Services Group

ABOUT

First Investors Financial Services Inc., through its wholly-owned subsidiaries (“First Investors”) is an automobile finance company founded in 1988 to serve the special finance needs of automobile dealers and consumers. First Investors has created a unique business model that encompasses indirect and direct lending as well as portfolio acquisitions and third-party servicing. This multi-channel approach provides asset and revenue diversification as well as a deep understanding of the auto financing needs of both dealers and customers.

Headquarters

Houston, Texas, United States

Tenure of investment

2012 - Present

Fund

Fund II

Aquiline Board Representation

3 of 5 seats

Geoffrey O. Kalish

Mitchell M. Leidner

Craig D. Wunderlich

Sector

Banking & Credit

FirstSun Capital Bancorp

ABOUT

FirstSun Capital Bancorp is a regional community bank with over 60 locations in Colorado, Kansas, Missouri, New Mexico and Texas.

Headquarters

Denver, Colorado

Tenure of investment

2012- Present

Fund

Fund II

Aquiline Board Representation

1 of 10 seats

G. Kennedy Thompson

Sector

Banking & Credit

FRISS

ABOUT

FRISS provides fraud, risk, and compliance solutions for P&C insurers. Leveraging the FRISS Score, insurers are able to make better decisions across claims, underwriting, compliance, and special investigations.

Headquarters

Utrecht, Netherlands

Tenure of investment

2017-Present

Fund

ATG Fund

Aquiline Board Representation

1 of 5

Michael Cichowski

Sector

Aquiline Technology Growth

Group Ark Insurance Holdings, Ltd.

ABOUT

Group Ark Insurance Holdings, through its Ark Syndicate Management Limited subsidiary, underwrites a diversified and balanced portfolio of reinsurance and insurance business. The company provides marine and energy, accident and health, property, specialty, casualty, and reinsurance products. Its marine and energy coverage includes marine hull, cargo, and specie; marine and energy liability; and energy upstream physical damage insurance. The company’s accident and health insurance solutions include health direct and facultative and accident and health reinsurance; and property insurance products include direct and facultative, and reinsurance. It also offers specialty insurance in the areas of specialty reinsurance, political risk and aviation war, contingency, and product recall, as well as war, terrorism, and political violence; and casualty insurance, such as medical malpractice, professional liability, general liability, automobile liability, and workers compensation. The company was incorporated in 2006.

Headquarters

London, United Kingdom

Tenure of investment

2007 - 2016

Fund

Fund I

Aquiline Board Representation

N/A

Christopher E. Watson

Sector

Insurance

HedgeServ Holdings LP

ABOUT

HedgeServ Holdings, a hedge fund and fund of hedge funds administrator, provides clients with improved access to critical information required to run their businesses, manage risk, execute trades, and build more robust and timely reports for their traders, investors, and regulators.

Headquarters

New York, New York, United States

Tenure of investment

2009 - Present

Fund

Fund I

Aquiline Board Representation

2 of 5 seats

Vincenzo La Ruffa

Steven Spiegel

Sector

Financial Technology and Services, Investment Management

Industry Awards

Top Administrator in the 2015 Institutional Investor Alpha Awards

Kryon Systems

ABOUT

Kryon Systems delivers innovative, intelligent Robotic Process Automation (RPA) solutions enabling digital transformation for enterprises. Using patented visual and deep learning technologies, Kryon's platform, Leo, allows companies to automate business processes quickly and easily, for immediate productivity gains, near zero error rates, reduced costs and significant ROI results.

Headquarters

Tel Aviv, Israel

Tenure of investment

2017-Present

Fund

ATG Fund

Aquiline Board Representation

1 of 5

Michael Cichowski

Sector

Aquiline Technology Growth

LenderLive Holdings, Inc.

ABOUT

LenderLive is a domestic-based mortgage services provider. Through its six service offerings – outsource services, correspondent lending, loan servicing, document services, settlement services and due diligence – LenderLive offers the scale, experience, and security to support its clients’ origination, servicing and loan purchase operations. From large-scale, centralized operations centers, the company provides services to financial institutions of all sizes on a national basis.

Headquarters

Denver, Colorado

Tenure of investment

2015 - Present

Fund

Fund II

Aquiline Board Representation

3 of 6 Votes

Sector

Banking & Credit

Nexar Capital Group

ABOUT

Nexar Capital Group, an alternative asset manager, provided hedge fund-of-funds and proprietary hedge fund products to global institutional and high net worth investors. Its founding team was lifted out from Societe Generale. In April 2012, Union Bancaire Privee UBP SA acqauired nexar Capital Group, resulting in the Nexar group of companies being wholly owned by and integrated into UBP.

Headquarters

Paris, France

Tenure of investment

2009 - 2012

Fund

Fund I

Aquiline Board Representation

N/A

Sector

Investment Management

OSG Billing Services

ABOUT

OSG is a New Jersey-based next-generation business technology partner providing integrated customer communications solutions through a state-of-the-art processing environment. OSG offers comprehensive and flexible electronic billing and invoice/statement services, document printing and mailing and a suite of forward-thinking marketing solutions. Progressive communication technologies enable OSG’s clients to transform their customer interactions to drive revenue, reduce costs and strengthen relationships. Founded in 1992, OSG has the knowledge and expertise to best suit the needs of the telecommunications, leasing, financial services, distribution, healthcare, heating oil/propane, government and publishing markets.

Headquarters

Ridgefield Park, New Jersey

Tenure of investment

2017 - Present

Fund

Fund III

Aquiline Board Representation

4 of 6 Seats

Vincenzo La Ruffa

Scott Leach

Joseph G. Pappalardo

Kevin Gregory

Sector

Financial Technology and Services

Pillar Capital Management Limited

ABOUT

Pillar Capital Management is a Bermuda-based insurance asset manager focused on collateralized reinsurance and catastrophe-linked securities. The company was initially founded as Juniperus Capital Limited. The initiative was to seek opportunities in insurance-related instruments. Pillar is jointly owned by members of the company’s management team and Transatlantic Holdings, Inc., creating an independent asset manager with strong institutional backing.

Headquarters

Hamilton, Bermuda

Tenure of investment

2012 - 2013

Fund

Fund II

Aquiline Board Representation

N/A

Sector

Insurance

Pinnacle Financial Partners, Inc.

NASDAQ: PNFP

ABOUT

Pinnacle Financial Partners provides a full range of banking, investment, trust, mortgage and insurance products and services designed for businesses and their owners and individuals interested in a comprehensive relationship with their financial institution. The firm began operations in a single location in downtown Nashville, TN in October 2000 and has since grown to approximately $11.7 billion in assets as of March 31, 2017. As the second-largest bank holding company headquartered in Tennessee, Pinnacle operates in 11 urban markets in Tennessee, the Carolinas and Virginia.

Headquarters

Greensboro, North Carolina, United States

Tenure of investment

2010 - Present

Fund

Fund I

Aquiline Board Representation

1 of 13 seats

G. Kennedy Thompson

Sector

Banking & Credit

Industry Awards

Fortune’s 2017 list of the 100 Best Companies to Work For in the U.S. American Banker recognized Pinnacle as the sixth-best bank to work for in 2016

Shelter Growth Capital Partners

ABOUT

Shelter Growth Capital Partners is a credit-focused, SEC registered investment management platform dedicated to building and managing diversified portfolios of mortgage-related instruments and other structured credit products. Shelter Growth is affiliated with SG Capital Partners LLC, a mortgage operating company, that provides investment managers with the opportunity to source loans and securities in the primary market.

Headquarters

Stamford, Connecticut

Tenure of investment

2012-Present

Fund

Fund II

Aquiline Board Representation

1 of 7 Seats

Mitchell M. Leidner

Sector

Banking & Credit

Simplicity Financial Marketing

ABOUT

Simplicity Financial Marketing is Connecticut-based national independent marketing organization focused on the sale of annuities and life insurance products to the senior market.

Headquarters

Hartford, Connecticut, United States

Tenure of investment

2008 - Present

Fund

Fund I

Aquiline Board Representation

3 of 4 seats

Jason A. Rotman

A.J.C. Smith

Sector

Insurance

Simply Business

ABOUT

Simply Business is a technology-driven insurance broker/managing general agent operating in the United Kingdom in commercial lines for small and medium enterprises.

Headquarters

London, United Kingdom

Tenure of investment

2016 - 2017

Fund

Fund III

Aquiline Board Representation

N/A

Sector

Financial Technology and Services, Insurance

Industry Awards

Sunday Times Tech Track 100, Deloitte Technology Fast 500 EMEA

Structured Credit Holdings plc

ABOUT

Structured Credit Holdings plc is a Dublin-based company established to provide volatility protection to banks through bespoke credit derivative contracts.

Headquarters

Dublin, Ireland

Tenure of investment

2006-2013

Fund

Fund I

Aquiline Board Representation

N/A

Geoffrey O. Kalish

Sector

Banking & Credit

Super

ABOUT

Super is a subscription service that provides care and repair for your home. Super is building a next generation home warranty product and service.

Headquarters

San Francisco, CA

Tenure of investment

2017-Present

Fund

ATG Fund

Aquiline Board Representation

0 of 3

Sector

Aquiline Technology Growth

TigerRisk Partners LLC

ABOUT

TigerRisk Partners is a privately held reinsurance broker and risk/capital management advisor providing sophisticated advisory and intermediary services to insurers with complex risks.

Headquarters

Stamford, Connecticut, United States

Tenure of investment

2009-2012

Fund

Fund I

Aquiline Board Representation

N/A

Sector

Insurance

Togetherwork

ABOUT

Togetherwork is the emerging leader in software and payments for groups and organizations of all kinds, helping them grow, become more efficient, increase revenues, and provide excellent service to their members and constituents. Building on the foundation of the Aquiline Financial Services Fund III L.P. investment in OmegaFi, Togetherwork aims to acquire software companies in adjacent verticals, creating a family of companies that provide similar technology and services to broader organizations such as sports leagues, summer camps, and cultural and educational institutions.

Headquarters

Columbus, Georgia

Tenure of investment

2015 - 2018

Fund

Fund III

Aquiline Board Representation

3 of 6 seats (6 of 8 Votes)

Vincenzo La Ruffa

Scott Leach

Joseph G. Pappalardo

Sector

Financial Technology and Services

Tourmalet Advisors, LP

ABOUT

Tourmalet Advisors is an SEC-registered alternative investment advisor that manages, invests in, structures, and trades distressed residential mortgage assets. The firm’s objective is to generate outsized returns through the purchase, servicing, and liquidation of non-performing residential whole loans. Tourmalet manages equity capital through its Matawin Funds and separately managed accounts.

Headquarters

Fairfield, Connecticut

Tenure of investment

2013 - Present

Fund

Fund II

Aquiline Board Representation

2 of 4 seats

Kevin Gregory

Mitchell M. Leidner

Sector

Banking & Credit

Validus Group Holdings, Ltd.

NASDAQ: VR

ABOUT

Validus Holdings, Ltd. is a holding company for reinsurance and insurance operating companies and investment advisors including Validus Reinsurance, Ltd. (“Validus Re”), Talbot Holdings Ltd. (“Talbot”), Western World Insurance Group, Inc. (“Western World”) and AlphaCat Managers, Ltd. (“AlphaCat”). Validus Re is a Bermuda-based reinsurer focused on short-tail lines of reinsurance. Talbot is the Bermuda parent of the specialty insurance group operating primarily within the Lloyd's insurance market through Syndicate 1183. Western World is a U.S. specialty lines insurance company focused on excess and surplus lines. AlphaCat is a Bermuda- based investment adviser managing capital for third parties and the Group in insurance linked securities and other property catastrophe reinsurance investments.

Headquarters

Hamilton, Bermuda

Tenure of investment

2005 - 2017

Fund

Fund I

Aquiline Board Representation

2 of 11 seats

Jeff Greenberg

Christopher E. Watson

Sector

Insurance

Virtus Partners, LLC

ABOUT

Virtus provides alternative asset administrative and middle office services and data to funds and various investment vehicles including hedge and private equity funds, separate accounts, total return swaps, and collateralized loan obligations. With offices in Houston, Austin, New York, Shanghai and London, Virtus specializes in tailored middle office solutions for managers looking to outsource their fixed-income requirements.

Headquarters

Houston, Texas

Tenure of investment

2015 - Present

Fund

Fund II

Aquiline Board Representation

2 of 7 seats

Geoffrey O. Kalish

Vincenzo La Ruffa

Sector

Financial Technology and Services, Investment Management

Industry Awards

Best Middle-Office Services, HFMWeek's 2015 Alt Credit Intelligence European Services Awards

Wellington Insurance Group

ABOUT

Headquartered in Fort Worth, Texas, Wellington is a full-service managing general agent platform deploying third-party admitted capacity in the Texas residential property insurance market. The company provides insurance carriers with a range of services including product design, pricing, underwriting, policy issuance, policy administration, billing, premium finance, and claims adjusting and administration. Wellington’s model is differentiated by its tech-enabled, multi-carrier platform which allows for more pricing flexibility and granular risk segmentation to achieve targeted carrier returns in a larger segment of the residential market than its traditional market competitors.

Headquarters

Fort Worth, Texas

Tenure of investment

2015 - Present

Fund

Fund III

Aquiline Board Representation

2 of 5 Seats

Ian D. Broadwater

Christopher E. Watson

Sector

Insurance

Worley Claims Services

ABOUT

Worley Claims Services is one of the largest independent providers of insurance-adjustment management and services in the United States. Since 1976, Worley has consistently aided in balancing claims, recovering costs, and overseeing public relations following natural and man-made environmental events. Worley provides property, auto, personal lines, and casualty claims adjustment and related services to national and regional insurance companies as well as commercial clients and clients in the federal/state government sector.

Headquarters

Hammond, Louisiana

Tenure of investment

2014 - Present

Fund

Fund II

Aquiline Board Representation

4 of 5 seats

Jason A. Rotman

Christopher E. Watson

Stuart Myers

Larry Wilson

Sector

Insurance

(The) Wright Insurance Group

ABOUT

The Wright Insurance Group was a manager of specialty insurance pools on a fee-based model in markets including schools, municipalities, and government programs such as the Federal Flood Insurance Program. In January 2014, Aquiline announced the sale of The Wright Insurance Group to Brown & Brown, Inc. (NYSE: BRO).

Headquarters

N/A

Tenure of investment

2008-2014

Fund

Fund I

Aquiline Board Representation

N/A

Sector

Insurance