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The Business Insurance directory of global property/casualty insurers lists international insurers that responded to a BI questionnaire.

The directory is published as an editorial service; there is no charge for companies to be listed.

If provided by the insurer, financial and operational information for 1996 and 1995 is listed. Foreign gross premiums, in U.S. dollars, for property and casualty risks are given as well as the percentage generated by foreign operations of U.S. employers vs. foreign operations of non-U.S. employers. Also provided are the numbers of foreign claims and underwriting offices; the number of employees involved in foreign prop-erty/casualty services, including those in U.S. and non-U.S. locations; the number of foreign countries represented and the number of countries in which the company owns offices (51% or more ownership). The insurer's combined ratio for foreign business may also be noted.

BI defines "foreign" as business in any country other than that in which the company is domiciled.

Next is the year the insurer's international operations began, its parent company and risks the company specializes in insuring. Special services provided that relate to international business follows.

Countries in which the company operates as a licensed or accepted insurer and those in which they participate through affiliates or fronting arrangements are listed next. If individual company or office names for each country were provided by the insurer, they are included in the listing only if significantly different from the parent company name. Finally, names and titles of the principal officers and a U.S.- based contact person are supplied.

To find companies that do business in a specific country, refer to the geographical index after the directory. The index includes only the names of the property/casualty insurers listed in the directory. Information on subsidiaries and fronting arrangements is in the directory listings.

Although every effort is made to obtain complete and accurate information, BI is unable to verify all information. The yearly average exchange rates are: British pound=$1.56 (12/31/96), $1.578 (12/31/95); deutsche mark= $.665 (12/31/96), $.698 (12/31/95); French franc=$.196 (12/31/96), $.201 (12/31/95); Italian lira=$.0001 (12/ 31/96), $.00062 (12/31/95); Swiss franc=$.805 (12/31/96), $.853 (12/ 31/95).