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MS Transverse Insurance Group is a property and casualty program carrier based in Princeton, New Jersey. As a subsidiary of Mitsui Sumitomo Insurance Group and part of MS&AD Insurance Group Holdings, it operates as a hybrid fronting carrier. Founded in 2018, the company specializes in program administration, reinsurance partnerships, and alternative capital solutions, serving as a link between reinsurers, program administrators, and Managing General Agents (MGAs). The company offers a range of services, including program administration for niche risks, reinsurance solutions with over 100 reinsurer relationships, flexible risk retention structures, and fronting services that ensure regulatory compliance and claims management. MS Transverse is recognized for its strong financial standing, holding an A (Excellent) rating from A.M. Best, and has been named Fronting Carrier of the Year in 2022 and 2024. With offices in New York, New Jersey, and Texas, it ranks among the top 10 U.S. fronting carriers by direct premiums written.
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ParetoHealth is a healthcare benefits solutions provider focused on midsize employers with 50 to 1,000 employees. The company aims to reduce healthcare cost volatility and improve financial outcomes through innovative self-insurance models. It has established itself as the largest health benefits captive in the U.S., managing over $6.6 billion in healthcare spending and serving more than 3,000 employers, which collectively cover over 1 million lives. The company offers a range of services, including its Risk Shield program, which provides a shared-risk model for predictable costs and stop-loss protection against large claims. Its Savings Engine utilizes data analytics and clinical expertise to manage medical costs and improve pharmacy solutions through the ParetoHealth Pharmacy Consortium. By pooling employers into a single risk pool, ParetoHealth enhances negotiating leverage and risk stabilization, allowing midsize businesses access to cost-saving tools typically available to larger corporations.
The Denver Public Library (DPL) is a public library system serving the city of Denver, Colorado. Established in 1889, it has grown into a vital community resource with 27 locations throughout the city. The library offers a wide range of services, including early literacy programs for children, digital access with computer training, and various community programs such as workshops and cultural events. DPL provides access to a vast collection of materials, including books, audiobooks, e-books, and DVDs. It also offers digital resources like databases and online courses. The library features special collections, including the Western History and Genealogy Department and the Blair-Caldwell African American Research Library. Its mission is to create welcoming spaces for exploration and connection, emphasizing values such as curiosity, equity, and community engagement.
The San Francisco Giants are a professional Major League Baseball team in the National League West Division. Founded in 1883 as the New York Gothams, the team became the New York Giants in 1885 and moved to San Francisco in 1958. They play at Oracle Park, known for its stunning waterfront views and unique architecture. The Giants have a rich history, boasting 8 World Series titles, 23 National League pennants, and 9 division titles. The team is owned by Charles B. Johnson and Greg E. Johnson, with Larry Baer as president and Bob Melvin as manager. The organization focuses on providing entertainment through baseball games, merchandise sales, and community programs. They offer various experiences at Oracle Park, including tours and luxury suites, and engage with local fans through youth initiatives and educational outreach. The Giants also produce media content, including broadcasts and archival footage.