Applied Underwriters is a global risk services firm that helps businesses and individuals manage uncertainty through insurance, reinsurance, and business services. They offer a wide range of coverages, including workers' compensation, fine arts, aerospace, and more[1][3][5]. Their target audience includes governments, businesses, and individuals seeking risk management solutions. The unique selling proposition is their ability to manage all aspects of their products and services in-house, ensuring high customer retention rates due to personalized service and innovative approaches[1][3].