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A New Risk Management Architecture - Emerald Bay is an updated solution to solve the problems created in a fractured/dislocated market. We are structured to ensure accountability throughout the life cycle of a risk, driven by integrity of underwriting. Collaborative, Tech Enabled Underwriting - Our technical underwriting and portfolio management is supported by cutting edge technology. We work in partnership with our MGA/PA and reinsurance capital partners to ensure long term sustainability. Partnership: A Full Alignment of Interests - Our approach requires that from producer to carrier to reinsurer all partners are invested in an aligned strategy. Our laser focus is on capital protection so we are there for our insured when they most need us.
ChoiceOne Bank is a community bank holding company based in Michigan, with approximately $2.6 billion in assets. Founded in 1898 as Sparta State Bank, it has grown through strategic mergers and now operates 35 offices across multiple counties. The bank is headquartered in Sparta and has operations centers in Lapeer and Fenton, ensuring efficient service delivery. ChoiceOne offers a wide range of financial services, including digital banking solutions, consumer and commercial banking, agricultural lending, mortgage services, wealth management, payroll solutions, and treasury management. The bank is dedicated to serving a diverse customer base, including families, small businesses, farmers, and low-income individuals, particularly in rural communities. ChoiceOne is committed to being an integral part of Michigan communities, with a mission to provide superior service and quality advice. In 2025, the bank announced a merger with Fentura Financial Inc., enhancing its presence in the Detroit suburbs and expanding into the Flint and Saginaw markets.
About Liberty Federal Credit Union Liberty Federal Credit Union is a member-owned financial institution focused on returning value through innovative products and services. Liberty has been recognized on a state level by Forbes as one of Indianas best financial institutions. In recent years, the credit union has also received acclaim on a national level, including being named the nations Best Credit Union for Checking by Investopedia in 2021 and appearing on Newsweeks list of Americas Best Banks in 2022. Among Liberty FCUs most innovative products is its Vertical Checking. This free checking account offers a high interest rate of 3.30% APY on balances up to $20,000, plus reimbursement for usage fees paid when using any ATM worldwide up to $15 per month. However, Liberty Federal Credit Union similarly excels in providing value through better loan options for borrowers. For instance, the credit union offers an uncommonly wide variety of mortgage options to ensure the best fit for its members. According to the American Credit Union Mortgage Association, Liberty FCU was the Midwests top credit union in 2021 total first mortgage originations. Nationally, we ranked eleventh. Headquartered in Evansville, Indiana, Liberty FCU offers a wide footprint of branch locations throughout southern Indiana, western Kentucky, and the Greater Nashville area in Tennessee. However, the credit union currently serves more than 270,000 members across all fifty states and at least eight countries.
Insurance Quantified is a leading underwriting technology provider that arms commercial property and casualty insurance carriers and MGAs with the data and analytics they need to grow their business, improve underwriting profitability and be a preferred partner and employer. Backed by Two Sigma, a pioneer and global leader in the financial sciences, we believe that systematically delivering the right data to the right people at the right time will enable faster coverage decisions, more agile product innovation and significant risk reduction for all participants in the underwriting value chain. On June 20, 2023, Insurance Quantified acquired Groundspeed Analytics, the market leader in ingestion and data solutions to the commercial P&C industry. Together, the united technology capabilities, market success, and committed backing of Two Sigma creates an unparalleled underwriting technology partner for commercial insurers.
People always ask, what does strategic communications mean? For us, it means finding interesting, smart, and inventive ways to get information to the right people. It means streamlining programs that are cumbersome, messy, and confusing and making them easy to use. It means identifying dated layout and design and creating content that is stunning and engaging. Based in Natick, MA, Strategic Communications, Inc. (StratComm) has served the marketing, communications, training, and project management needs of nationwide Fortune 500 companies, many federal agencies, and all branches of the Armed Forces for over 45 years. Our team works with a variety of clients and delivers an array of services. We create high-quality publications, both print and electronic, and training platforms for leading corporations and organizations such as IBM, VMware, the United States Navy and Air Force, the U.S. Department of State, Veterans Affairs, the U.S. Treasury, and many other important agencies and organizations. We also manage large programs for the federal government utilizing emerging technologies. Two examples are online training and testing programs for U.S. Embassies worldwide and program management for the Social Security Administration. Many high profile clients contract with StratComm to update the design and content of their websites, brochures, annual reports, and web apps. Our team is constantly seeking newer technologies and developing efficiencies to better serve our clients. Within our headquarters, we house a core team of dedicated professionals who administer our programs. Together, we manage varied projects and communications challenges for both large and small clients. Strategically, of course.