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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.
Crossroads Automotive Group Inc. is a privately-held automotive dealership group based in Sanford, North Carolina, founded in 1996. The company specializes in new and used vehicle sales, service, and collision repair, operating multiple locations across North Carolina and Virginia. With a workforce of approximately 1,345 employees, Crossroads Automotive Group generates annual revenue of about $232 million. The company is committed to a customer-centric vehicle buying experience, guided by Christian principles. It emphasizes hiring skilled staff, maintaining large inventories, and providing compassionate service. Crossroads Automotive Group has expanded through acquisitions, including brands like Ford, Lincoln, INFINITI, Chrysler, Dodge, Jeep, and Ram. In addition to vehicle sales, the company offers automotive service, collision repair, maintenance, and financing options. It operates under various names, including Crossroads Ford and Crossroads Auto Group, and has established a strong presence in the automotive market.
Fresh Kitchen is a healthy fast-casual restaurant chain founded in 2014 and based in Boca Raton, Florida. The restaurant specializes in 100% gluten-free, customizable meals that cater to various dietary preferences, including vegan, keto, and carnivore diets. Their menu features high-quality, scratch-made recipes using fresh ingredients, antibiotic-free and hormone-free meats, homemade sauces, and hand-cut vegetables cooked in 100% olive oil. Customers can create their own balanced bowls by selecting from a variety of bases, freshly roasted vegetables, grilled or roasted meats, and flavorful toppings. Fresh Kitchen also offers daily in-house pressed juices, teas, and juice frescas, with seasonal recipes to ensure freshness. The company emphasizes fast service without compromising quality, aiming to support active lifestyles. In addition to their food offerings, Fresh Kitchen is dedicated to community impact and sustainability. They engage in local givebacks, food donations, and composting, supporting causes that align with their values. With around 64 employees and reported revenue of $31.2 million, Fresh Kitchen is recognized for combining convenience, quality, and social responsibility in the healthy fast food sector.
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.