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Farmers Union Insurance is committed to building stronger communities through the development and training of agents and employees, so as to deliver quality products and services at a profit level adequate to maintain a solid financial base. * Not all products listed are underwritten by Farmers Union Insurance
Manhattan School of Music (MSM) is a renowned private music conservatory located in New York City, founded in 1917-1918 by pianist and philanthropist Janet D. Schenck. Originally established as the Neighborhood Music School in East Harlem, MSM has built a strong reputation for excellence in music education, influenced by notable artists like Pablo Casals and Harold Bauer. The school offers a range of academic programs, including Bachelor of Music, Master of Music, and Doctor of Musical Arts degrees. MSM specializes in classical and jazz performance, composition, conducting, and music education, and features a prominent opera program. Its campus in Morningside Heights includes instructional spaces, performance venues, and a residence hall, with facilities like the Hubbard Recital Hall, which houses a distinguished Aeolian-Skinner organ. MSM attracts a diverse student body of aspiring professional musicians from around the world, providing rigorous training and numerous performance opportunities. The institution is dedicated to fostering professional musicianship in both classical and jazz traditions.
Flynn Group is the largest franchise operator in the United States, focusing on multi-brand restaurant and retail operations. Founded in 1999 by Greg Flynn, the company has expanded significantly from its beginnings as a single-market Applebee’s operator. It now manages a diverse portfolio that includes well-known brands such as Pizza Hut, Taco Bell, Panera Bread, and Arby’s, with over 2,500 locations across the country. The company specializes in franchise management, acquiring and optimizing underperforming locations to enhance operational efficiency and drive sales growth. Flynn Groups acquisition strategy has led to substantial growth, including the recent addition of 45 Pizza Hut locations in 2025, bringing its total to over 1,000. With a people-first approach, Flynn Group emphasizes employee training and retention, ensuring consistent customer experiences across its various dining segments.
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.
With a history of over 25 years, Ceto has forged enduring partnerships with over 2,000 regional and community banks and credit unions nationwide, igniting their profitability and growth. Our unwavering commitment lies in empowering financial institutions with cutting-edge intelligence and transformative solutions, elevating shareholder value, and fostering thriving, prosperous communities. Discover more at ceto.com or dial 866.227.1361 to embark on a transformative journey.