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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.
Express Wash Concepts (EWC), based in Columbus, Ohio, is a prominent parent company of five express tunnel car wash brands, including Moo Moo Express Car Wash and Flying Ace Express Car Wash. Established in 2018, EWC operates 123 locations across Ohio, Michigan, Pennsylvania, Indiana, and Virginia, with plans for further expansion by 2025. EWC specializes in fast and environmentally friendly car wash services, typically completed in about three minutes. Their offerings include free vacuums, biodegradable soaps, and an advanced water reclamation system. The company prioritizes customer satisfaction with a 100% guarantee and provides a kid- and pet-friendly environment. EWC also features a Wash Smart Unlimited Club for members to enjoy unlimited washes at any location. In addition to their services, EWC is dedicated to community involvement through programs like the EWC Towel Exchange and EWC Cares Grant Program, which support local organizations. The company fosters career growth for its employees, contributing to a positive workplace culture recognized with multiple awards.
American Freight Furniture & Mattress is a discount retailer based in the U.S., specializing in furniture, mattresses, and home appliances. Founded in 1994 in Lima, Ohio, the company has expanded to over 370 locations nationwide and serves more than 5 million customers. It operates under a warehouse-style model that emphasizes affordability and quality, offering direct-to-consumer sales. The product range includes living room sets, bedroom furniture, dining room pieces, mattresses, and a variety of home appliances such as refrigerators and washers. American Freight also provides same-day delivery for in-stock items. The company targets budget-conscious shoppers, including families and first-time homeowners, and features products from trusted brands. With a focus on cost efficiency, American Freight combines new and reconditioned inventory to maintain low prices, making quality home goods accessible to a wide audience.
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