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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.
At American State Bank, we are committed to the accomplishment of our mission, adherence to our values, and the belief that employees are our number one resource. We expect all employees to support and commit to our values and behavioral expectations. We currently have 9 locations, Sioux Center Downtown Campus, Alton, Alvord, Granville, Hospers, Hull, Orange City, Sioux Falls and Sioux Center Southside
HBT is a not-for-profit health and welfare trust that provides group health and welfare benefits on behalf of participating employers for nearly 265,000 eligible employees, their eligible dependents, and beneficiaries employed in health care and social services in British Columbia. The primary benefits provided by HBT are Group Life, Accidental Death & Dismemberment (AD&D), Weekly Indemnity, Long Term Disability (LTD), Extended Health, and Dental. HBT ensures these benefits are administered in accordance with provisions and plan design negotiated by HEABC, CSSEA, and single-site collective agreements.
We are a full-service agency providing insurance in personal, business, bonding, farm, life, and flood. Our staff has over 400 years of experience. We pride ourselves on customer service and knowledge of the products we offer. Stop in to one of our North Dakota or Minnesota locations.