Mutual & Federal Insurance Company Limited provides personalized insurance services to personal, commercial and corporate clients in South Africa, Namibia, Botswana and Zimbabwe. The Company operates in three business segments: commercial, personal lines and risk finance. The commercial segment underwrites the risks of enterprises from small businesses to large corporates. The personal segment provides insurance to the general public in their personal capacities. The risk finance segment provides facilities to clients allowing them to retain some insurance risk and operate as autonomous insurance entities. The Company offers various types if insurance contracts, such as property, accident, personal accident, motor, engineering, crop, marine and credit. Some of its subsidiaries include Cougar Investment Holding Company Limited, Credit Guarantee Insurance Corporation of Africa Limited and Mutual & Federal Company of Zimbabwe (Private) Limited.