The current market environment provides The Midland Company with significant opportunities for American Modern to leverage its product expertise and geographic breadth to expand premium volume in core product lines. These opportunities include:

Organic Growth:
Our deep relationships with agents, vertically integrated manufacturers, dealers and other business partners create pathways to enhance our market share and introduce new specialty insurance lines.

Policyholder Retention:
Customer retention is the lifeblood of an insurance company. For that reason, American Modern has always placed high priority on delivering the right combination of product, price, service and convenience to our customers.

Strategic Alliances:
American Modern proactively establishes relationships with standard multi-line insurance companies where our specialty product expertise can assist such standard carriers in meeting the needs of their policyholders.

Strategic Acquisitions:
We regularly evaluate acquisition opportunities of companies and selected books of business. We pursue acquisitions that will allow us to leverage our core competencies, enhance our leadership position, expand our specialty product offerings and broaden our distribution channels.

Fee Income Opportunities:
Another component of our growth strategies involves looking for opportunities to generate non-risk based fee income as we provide services to business partners and pursue internal premium growth.