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  • Investor relations
    Welcome to Markel Corporation’s (NYSE – MKL) investor relations section. Here you will find links to reference materials, tools, SEC filings, and news of interest to investors and potential investors. For more details about our performance, Markel by the numbers is a handy resource and reference. Our annual report is another good source for current and prospective investors– in particular, the letter to shareholders is an interesting read. Markel’s first public listing was on the NASDAQ exchange in December 1986 ($8.33/share IPO price). In 1997, Markel Corporation graduated to the NYSE. We are a diverse financial holding company serving a variety of niche markets. Our principal business markets and underwrites specialty insurance products throughout the world. We think of the insurance business differently. We do not sell standard auto, life, health, or homeowner’s insurance. We are a specialty insurer. Broadly, we insure property and casualty risks for markets ignored or overlooked by traditional insurers--unique and unusual markets that have real and pressing needs for coverage. Markel's financial goals remain unchanged: earn consistent underwriting and operating profits from our core insurance holdings, earn superior investment returns, and build long-term shareholder value.
  • MM SM Hotline Service Terms 2
    Markel does not participate in hotline calls and will not have access to and will not be supplied with information about any hotline discussion.   It is agreed that policyholder’s utilization of the Hotline Service shall constitute agreement by the policyholder to the following terms:   The purpose of Hotline Service is to respond to policyholder general risk management related questions. Conversations between the policyholder and the Hotline Service Panel Member are totally confidential and will not be recorded by either party. The Hotline Service Panel Member will not divulge any portion of the conversation to the insurer or to any other third party. The Hotline Service does not provide any kind of legal service or legal advice. Legal questions or legal advice are outside the scope of the Hotline Service. The policyholder does not at any time enter into an attorney-client relationship with any of the Hotline Service Panel Members.  The Hotline Service does not cover such items as responding on behalf of a policyholder to a lawsuit, or to a charge brought by an administrative agency, or to a demand letter from an attorney. Utilization of this service or notice to any Panel Member of a claim or potential claim against a policyholder does not constitute notice to the insurance company of a claim or potential claim. The Panel Member is under no obligation to, and will not, report such a claim or potential claim to the insurance company. The policyholder agrees to abide by the terms of the policy relative to reporting claims directly to the insurance company. The Panel Members cannot provide advice or representation concerning any possible disputes or controversies between the policyholder and the insurance company, including whether any particular claim or potential claim or demand against a policyholder is covered by the insurance policy. In the event of any dispute between the policyholder and the insurance company, the Panel Member will not be called upon in any way to provide any testimony or any other evidence in connection with the dispute. The policyholder agrees not to make any claim of any kind at any time against any Panel Member. Policyholder utilization of the service shall constitute agreement to the foregoing terms.                                                                                         PROCEED TO HOTLINE INFORMATION
  • NewsRoom
  • Medical professional liability
    Markel can provide industry-proven malpractice coverage for physicians, surgeons, dentists, and podiatrists. Beyond that, we will consider contract staffing groups, locum tenens groups, and hard-to-place or specialty practice needs. Service to policyholders includes access to skilled claims specialists for assistance. Limits and policy endorsements are available to comply with the requirements of state patient compensation funds and/or statutory limits. This is coverage backed by a breadth of experience and a respected reputation for stability.
  • Professional liability and E&O,-a-,o
    Markel has been a solid market for professional liability and E&O coverage for over 40 years.
  • Our companies
    Some basic content here
  • The selection process
    Where can I check the status of my application? The confirmation email that you received upon submitting the application contains a link through which you can monitor the status of your application. You must create an account in our application portal to check the status.
  • Mimi-Fiske-short
  • Newsroom
  • Horse and farm claims
    To report horse injury, sickness, or mortality claims Note: Horse injury, sickness, and mortality claims may only be reported via telephone. Immediate notice of all accidents, sicknesses, injuries and/or deaths must be reported to: 800-362-7535   Monday through Friday, 8:30 a.m.-5:00 p.m. EST 800-446-7925   Evenings, weekends, and holidays  Mortality claim card Animal loss procedures Do: 1. Report all accidents, sicknesses, injuries, and deaths. 2. Contact Markel for permission prior to any surgical procedures. 3. Make arrangements for an autopsy. 4. Call police in case of theft, shooting, or vehicular involvement. Don’t 1. Perform any surgical procedure without contacting Markel. 2. Have animal put down without consent of Markel. 2. Have animal removed prior to performance of an autopsy. 3. Neglect a police report, if needed.  CAUTION Please share these procedures with anyone having care, custody, and control of the insured horse. Failure to comply may jeopardize your coverage. To report horse liability or farm claims .Claims page Please use the property or general liability links located on the Accident report procedures 4. Report all incidents to Markel Claims department. 3. Obtain names, addresses, phone numbers of police, fire, medical, or hospital authorities. 2. Obtain names, addresses, and phone numbers of all witnesses. 1. Obtain all accident details. Do: 3. Discuss accident or injury with anyone other than your insurance representative or someone authorized by the insurance company. 2. Admit responsibility for the accident or injury. 1. Divulge information with regards to insurance coverage. Don’t: CAUTION Please share these procedures with anyone having care, custody, and control of the insured horse. Failure to comply may jeopardize your coverage.
  • Global Excess Liability
    Markel Global Insurance underwrites layers of excess liability for many of the top companies in the world. John Boylan, Executive Vice President and Chief Underwriting Officer, and his talented team of underwriters participate in shared and layered programs. Markel Global Insurance   Excess liability…where we play well We insure 54% of the top 50 companies in the world. We insure 40% of the top 25 hospital systems in the US. We insure 56% of the top 50 life sciences companies in the world. We insure 46% of the top 30 medical device companies in the world. We insure 44% of the top 50 energy companies in the world.    Excess liability contacts John Boylan Global Insurance – Casualty Executive Vice President and Chief Underwriting Officer 441-254-6755 US market (New York) Mike Morgan Managing Director 860-697-4088 US market (New York) Don Meyer Senior Vice President 212-898-6619 Bermuda market Matt Mullen Managing Director 441-279-2321 Dublin market Colin Shaw Managing Director +353-1-416-1505
  • Moodys
  • Site Map
    Some basic content here
  • Claims fraud warnings by state
    Applicable in Alaska A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law. Applicable in Arizona For your protection, Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties. Applicable in Arkansas, Delaware, Kentucky, Louisiana, Maine, Michigan, New Jersey, New Mexico, New York, North Dakota, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, Virginia, and West Virginia Any person who knowingly and with intent to defraud any insurance company or another person, files a statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact, material thereto, commits a fraudulent insurance act, which is a crime, subject to criminal prosecution and [NY: substantial] civil penalties. In LA, ME, TN, and VA, insurance benefits may also be denied. Applicable in California For your protection, California law requires the following to appear on this form: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. Applicable in Colorado It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policy holder or claimant for the purpose of defrauding or attempting to defraud the policy holder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies. Applicable in the District of Columbia Warning: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits, if false information materially related to a claim was provided by the applicant. Applicable in Florida Pursuant to S. 817.234, Florida Statutes, any person who, with the intent to injure, defraud, or deceive any insurer or insured, prepares, presents, or causes to be presented a proof of loss or estimate of cost or repair of damaged property in support of a claim under an insurance policy knowing that the proof of loss or estimate of claim or repairs contains any false, incomplete, or misleading information concerning any fact or thing material to the claim commits a felony of the third degree, punishable as provided in S. 775.082, S. 775.083, or S. 775.084, Florida Statutes. Applicable in Hawaii For your protection, Hawaii law requires you to be informed that presenting a fraudulent claim for payment of a loss or benefit is a crime punishable by fines or imprisonment, or both. Applicable in Idaho Any person who knowingly and with the intent to injure, defraud, or deceive any insurance company files a statement of claim containing any false, incomplete or misleading information is guilty of a felony. Applicable in Indiana A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony. Applicable in Kansas Any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act. Applicable in Maryland Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Applicable in Minnesota A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime. Applicable in Nevada Pursuant to NRS 686A.291, any person who knowingly and willfully files a statement of claim that contains any false, incomplete or misleading information concerning a material fact is guilty of a felony. Applicable in New Hampshire Any person who, with purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20. Applicable in Ohio Any person who, with intent to defraud or knowing that he/she is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Applicable in Oklahoma WARNING: Any person who knowingly and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. Applicable in Washington It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. source: Acord Loss Notice 2012 ed and PCIAA
  • Child care
    Markel Specialty is a recognized leader in insuring youth-related organizations and child care centers for over 30 years with insurance, loss control, and advisory services. Our Child Care Complete program consists of an insurance package with coverages specifically designed to address and support the coverage issues of the child care industry.  One of the benefits available to policyholders is our Safety 1st education program which provides exceptional risk management tools, including background checks for staff and volunteers at a deeply discounted rate, safe driving courses at a reduced rate, and practical loss-control solutions. The program is designed for profit and non-profit operations providing early childhood education such as: Commercial child care centers Before- and after-school programs  Head Starts  Nursery schools  Preschools  For more information and contacts, click here.
  • Legal disclaimer and privacy policy
    Conditions for use of this web site By using this web site, you signify your agreement to the terms and conditions contained in these legal notices. If you do not accept these terms and conditions, please do not use this web site. Please read these terms carefully. We reserve the right to add, delete or otherwise modify portions of these terms at any time. You should visit this page periodically to review the terms and conditions. User access to and use of this web site is subject to all applicable federal, state and local laws and regulations. Virginia law and Federal law will govern the interpretation and enforcement of these terms and conditions. Disclaimer This web site has been prepared solely for the purpose of providing information about Markel Corporation and the services and products it offers through its subsidiaries. Markel has compiled this web site in good faith. However, no representation is made as to the completeness or accuracy of the information it contains. In particular, you should be aware that this information may be incomplete, may contain errors or may have become out of date. The reports filed by Markel with the Securities and Exchange Commission and listed on this web site speak only as of the respective dates on which they are filed or used by Markel. Markel makes no commitment, and disclaims any duty, to update any of those reports. MARKEL DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE AND ITS SERVERS ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MATERIAL. IF YOUR USE OF THE WEB SITE OR THE SITE’S MATERIAL RESULTS IN ANY COSTS OR EXPENSES, INCLUDING, WITHOUT LIMITATION, THE NEED FOR SERVICING OR REPLACING EQUIPEMENT OR DATA, MARKEL SHALL NOT BE RESPONSIBLE FOR THOSE COSTS OR EXPENSES. THIS WEBSITE AND THE INFORMATION CONTAINED HEREIN (INCLUDING ANY REFERENCES TO PRODUCTS OR SERVICES) ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY OR IMPLIED TERM OF ANY KIND. MARKEL, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, AND THE WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE. ALTHOUGH MARKEL STRIVES TO PROVIDE THOROUGH AND ACCURATE MATERIALS ON ITS WEB SITE, WE MAKE NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE, TEXT, GRAPHICS, AND LINKS. IN NO EVENT SHALL MARKEL OR ANY OF ITS SUBSIDIARIES BE SUBJECT TO LIABILITY FOR ANY DAMAGES OF ANY KIND, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR OTHERWISE, WHETHER OR NOT ADVISED OF THE POSSIBILITY THEREOF, UNDER ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE PROVISION OF INFORMATION ON THIS WEB SITE OR SITES LINKED TO THIS WEB SITE. Forward looking statements This is a Safe Harbor statement under the Private Securities Litigation Reform Act of 1995. This web site and the site’s material, including documents and presentations within it, contain forward-looking statements that involve risks and uncertainties. Forward-looking statements may be identified by the use of terms such as believes, expects, estimates, may, intends, plans, will, should or anticipates or by the negative thereof or similar expressions, or by discussions of strategy. Markel Corporation has based the forward-looking statements on beliefs, assumptions, expectations and projections about future events using information available at the time such statements were made. These forward-looking statements are subject to risks, uncertainties and assumptions about Markel. Discussion of factors that could cause actual results to differ materially from management's projections, forecasts, estimates and expectations is contained in Markel's SEC filings, including Forms 8-K, 10-Q and 10-K. Markel cautions the reader not to place undue reliance on its forward-looking statements because the assumptions, beliefs, expectations and projections about future events may and often do materially differ from actual results. Markel undertakes no obligation to update any forward-looking statement to reflect developments occurring after such statement is made. Copyright notice Material contained on this web site is copyrighted material by Markel Corporation. All rights reserved. No materials from this web site may be copied, reproduced, republished, posted, or distributed in any way, except as expressly permitted herein or with the prior consent of Markel Corporation. Trademark notice MARKEL and its Design are registered trademarks of Markel Corporation. All other trademarks are property of Markel Corporation or its subsidiaries unless otherwise designated. The use of these marks, except as expressly permitted herein or with the prior consent of Markel Corporation is prohibited. Reference to analysts Although Markel Corporation may reference or provide a list of analysts on this web site as a convenience to you, any opinions, estimates or forecasts regarding Markel Corporation's performance made by these analysts are theirs alone and do not necessarily represent opinions, forecasts or predictions of Markel Corporation or its management. Markel Corporation does not by its reference above or distribution imply its endorsement or sponsorship of, or concurrence with, such information, conclusions or recommendations of the analysts or firms. Links to other materials Some of the links available to you through this web site will allow you to leave the Markel web site. The Internet sites and the material that you can access there are not under the control of Markel, and Markel makes no representations and disclaims all liability with respect thereto. The links are provided only for your convenience, and their inclusion does not constitute nor imply approval or endorsement by Markel of the sites or their content. If you decide to visit any third-party sites using the links from this web site, you do so at your own risk. Indemnity By using this web site, you agree to defend, indemnify, and hold harmless Markel Corporation and its subsidiaries, their officers, their directors, their employees and their agents, from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that Markel may become obligated to pay arising or resulting from your use of the web site or your breach of these terms and conditions. Markel reserves the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim. Violations of terms and conditions In the event that you violate or attempt to violate any of the terms and conditions contained in these legal notices, Markel reserves the right to terminate your access to this web site immediately, at our sole discretion, with our without notice of any kind. We also reserve the right to involve and cooperate with the law enforcement agencies, and to pursue a civil lawsuit or criminal prosecution for any and all alleged or actual illegal activities involving this web site. Legal disputes, severability and choice of law If there is a legal dispute of any kind about or arising out of the use if this web site, the laws of the Commonwealth of Virginia will govern such dispute without regard to conflict of law rules. You agree that if any part of these terms and conditions is found to be unenforceable, the remainder of these terms and conditions will remain in full force and effect. By using this web site you expressly agree and submit to personal jurisdiction and exclusive venue in the state and federal courts located in the City of Richmond, Commonwealth of Virginia. Privacy policy notice Markel is committed to safeguarding your privacy. We understand your concerns regarding the privacy of your nonpublic personal information. No nonpublic personal information is required to be collected when you visit our websites; however, this information may be requested in order to provide the products and services described.  We do not sell nonpublic personal information to non-affiliated third parties for marketing or other purposes. We only use and share this type of information with non-affiliated third parties for the purposes of underwriting insurance, administering your policy or claim and other purposes as permitted by law, such as disclosures to insurance regulatory authorities or in response to legal process. Notwithstanding the foregoing, we may use this information for the purpose of marketing our own products and services to you.      We collect nonpublic personal information about you from the following sources: Information we receive from you on applications or other forms; Information about your transactions with us, our affiliates, or others; and/or Information we receive from consumer reporting agencies and inspection reports. We do not disclose any nonpublic personal information about our customers/claimants or former customers/claimants to anyone, except as permitted by law.   We may disclose nonpublic personal information about you to the following types of third parties: Service providers, such as insurance agents and/ or brokers and claims adjusters; and/or Other non-affiliated third parties as permitted by law. We restrict access to nonpublic personal information about our customers/claimants to those individuals who need to know that information to provide products and services to our customers/claimants or as permitted by law.  We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information. Residents of California You may request to review and make corrections to recorded non-public personal information contained in our files.  A more detailed description of your rights and practices regarding such information is available upon request.  Please contact your agent/broker for instructions on how to submit a request to us.       For further information, please contact us at
  • Markel-around-the-world
    Some basic content here
  • MM SM Hotline Panel Ext Care
    Available to Nursing Home, Hospital, Extended Care Facility policyholders free of charge, this Hotline panel provides access to experienced and nationally recognized defense attorneys who are available to answer general risk management related questions.  Please note that questions regarding specific situations should be discussed with retained counsel.  Facts and laws vary from case to case and state to state. William Wilson, Partner Wilson Getty, LLP San Diego, CA 92130 858-847-3237 Brynda Insley Insley and Race, LLC Atlanta, GA  30309 404-876-9816 William Wilson , Partner   Wilson Getty LLP 12555 High Bluff Drive, Suite 270 San Diego, CA   92130   Contact Bill at:  858-847-3237   William C. Wilson attended the University of San Diego School of Law (J.D., 1990), and the University of North Carolina at Chapel Hill (B.A., 1985).  While in law school, Bill interned with the San Diego City Attorney’s Office.   Bill’s practice focuses on the defense of long term health care facilities, including residential care and skilled nursing facilities.  He has successfully defended long term care clients in actions filed by residents and family members raising claims involving intentional acts, violations of the Elder Abuse Act, punitive damages and violations of Business and Professions Code section 17200.  Bill also regularly represents facilities in administrative hearings.  Such matters involve filing civil complaints against the Department of Health Services for dismissal of alleged regulatory violations.    Liedle, Getty & Wilson LLP is an associate member of the California Association of Health Facilities (“CAHF”).  Bill is an active member of CAHF.  He serves on CAHF’s Legal Subcommittee and regularly provides presentations on topics particular to long term care litigation.  In addition, Bill is the treasurer for the Associate Member Council to the San Diego Healthcare Association.  He is also a member of the State Bar of California, San Diego County Bar Association, Elder Law Section and San Diego Defense Lawyers.   Bill’s practice also includes defending clients in general liability matters including motor vehicle and construction site accidents and products liability cases.  These cases involve claims for serious personal injury and wrongful death.  Bill, who holds a “BV” rating from Martindale-Hubbell, has successfully tried numerous jury and bench trials to verdict.  In addition, he has conducted over 120 arbitrations, and has handled many administrative hearings, settlement conferences and mediations.   ____________________________   Brynda Insley, Principal   Insley & Race Two Midtown Plaza 1349 West Peachtree Street, Northwest, Suite Atlanta, GA  30309   Contact Brynda at:  404-876-9816   Brynda Rodriguez Insley is the founding principal of Insley & Race LLC, in Atlanta, Georgia. She was born and raised in St. Louis, Missouri in 1961, and graduated magna cum laude from Saint Louis University, St. Louis, Missouri in May 1983. She obtained her Juris Doctor degree from Emory University School of Law, Atlanta, Georgia in 1986, and practiced law with a well-known insurance defense firm from 1986 to 1998 at which time she started Insley & Race, LLC with Kevin Race, Esq. Insley & Race, LLC primarily focuses on defense tort litigation, including but not limited to, the areas of medical malpractice liability, hospital/nursing liability, nursing home liability, medical device/product liability, and general liability/premises cases. She is a member of the Defense Research Institute, Georgia Defense Lawyers Association, Georgia Bar Association and other professional associations, and is a frequent speaker at professional and client seminars.   Ms. Insley has successfully represented numerous hospitals, long term care facilities, assisted living facilities and individual healthcare providers over the past 22 years in professional negligence cases, EMTALA and administrative matters and licensing board issues. Insley & Race employs a diverse and experienced team of attorneys which includes a JD/MD, 3 Legal Nurse Consultants and a numerous paraprofessionals to provide comprehensive, factually tailored representation to the Firm’s clients for the best possible outcome.
  • Specialty business news
    Some basic content here
  • Our culture
    Markel is not your standard insurance company. Since being founded by Sam Markel in 1930, Markel has earned the reputation for covering hard-to-place risks; like, Dorothy’s ruby red slippers from the Wizard of Oz. Markel is a family-oriented company and a global, publicly-traded organization. Interested in joining a unique Fortune 500 company with a reputation for excellence? 212 words describe our corporate DNA. These are the values and expectations that guide us each and every day. The Markel Style promotes excellence, a sense of humor, as well as honesty and fairness in all of our dealings. From Singapore to London to Bermuda and New York City, our associates incorporate the Style and values into all business dealings. Our competitive advantage At Markel, we recognize our associates as our greatest asset and are our greatest competitive advantage. Our associates provide the highest level of service. Our associates keep Markel in leadership positions in the insurance marketplaces. Commitment to open doors Markel is committed to creating the best work environment. Our open-door policy is essential in recognizing business issues as they rise and to address the changing needs of our diverse and global workforce. Challenging management is a component of the Markel Style—some of our best ideas start from a conversation between a manager and an associate. Entrepreneurial spirit As the Markel Style states, we pursue excellence, strive for a better way, and share the success of others. Markel associates proactively seek new business opportunities, bringing further success to Markel. Diversity and inclusion Markel is a diverse, global company. Diversity provides Markel with the ability to serve the needs of customers globally. Our diverse workforce enables Markel to make decisions and change course quickly, creatively and effectively, as defined in the Markel Style. Diversity makes us better business partners. At Markel, embracing people’s differences brings amazing results and fuels innovation. Community involvement Markel has a rich tradition of community involvement where our associates and customers live and work across the world. Markel provides support to a diverse group of not-for-profit organizations whose missions align with our philanthropic priorities to make the most of the resources we have, and in turn, have a greater impact on our communities. Our associates are always stepping up to volunteer for their local community. Each of our major locations has a committee of associates who identifies charities to support each year. As described in the Markel Style, we are committed to giving back to the communities we serve.