First Mercury Financial Corporation (FMFC) is a provider of insurance products and services to the specialty commercial insurance markets, primarily focusing on niche and underserved segments. FMFC is a holding company for its operating subsidiaries, which include CoverX Corporation (CoverX), First Mercury Insurance Company (FMIC), First Mercury Casualty Company (FMCC), First Mercury Emerald Insurance Services, Inc. (FM Emerald), American Management Corporation (AMC) and American Underwriters Insurance Company (AUIC). The Company’s CoverX and FM Emerald subsidiaries are licensed wholesale insurance brokers that produce and underwrite the insurance policies for which the Company retains risk and receive premiums. As wholesale insurance brokers, CoverX and FM Emerald market insurance policies through a nationwide network of wholesale and retail insurance brokers who then distribute these policies through retail insurance brokers.