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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.
GSB, formerly known as Guilford Savings Bank, is a mutual financial institution based in Connecticut, established in 1875. With over 145 years of experience, GSB has expanded from a single branch to eight locations, managing nearly $1 billion in assets. The bank focuses on community-oriented banking, emphasizing personalized service and long-term relationships with clients. GSB offers a comprehensive range of personal and business banking solutions. Their services include digital banking for real-time account management, tailored business banking for small to medium enterprises, and personal banking options such as checking and savings accounts, loans, and mortgages. The bank also provides specialized tools like online account opening and financial education resources. As a mutual bank, GSB reinvests its profits into community development and employee benefits, reflecting its commitment to local businesses and the shoreline communities of Connecticut. The bank promotes a culture of integrity and collaboration, ensuring that clients have direct access to staff and customized financial strategies. GSB continues to invest in digital innovation while maintaining a strong local presence.
It is the mission of Veterans Legal Services to help Massachusetts veterans overcome adversity by providing free civil legal aid that honors their service, promotes well-being, and responds to their distinctive needs. Veterans Legal Services (VLS) is a 501(c)3 non-profit organization and is the leader in providing free legal advice and representation to homeless and low-income veterans in the Greater Boston area and serves over 500 veterans cases per year at its legal clinics. By locating legal clinics at homeless shelters and service centers, VLS reaches members of our society who are often reluctant to seek legal help and is able to partner with shelter staff to provide holistic support. During its legal clinics, VLS staff attorneys supervise volunteer law students who perform client intakes. After determining eligibility and performing due diligence, VLS offers the veteran either on-the-spot advice, brief service such as helping with pleadings, or full legal representation, up to and including representing the veteran in court or in front of state/federal agencies. VLS is the only legal aid organization in Massachusetts whose mission is to serve veterans. VLS prioritizes veterans where legal representation may yield a life-changing result that restores a veterans self-sufficiency and dignity. We prioritize cases for the disabled, victims of domestic violence, and cases where there is a significant disparity in resources or the opposing party has representation. Veterans Legal Services serves over 500 veterans cases per year at its legal clinics. Previously known as Shelter Legal Services, in late 2013 we began doing business as Veterans Legal Services to better reflect our mission of serving those who serve our country.