Everest Re Group, Ltd. through its subsidiaries, is principally engaged in the underwriting of reinsurance and insurance in the United States, Bermuda and international markets. The Company underwrites reinsurance both through brokers and directly with ceding companies. The Company operates in four segments: U.S. Reinsurance, International, Bermuda and Insurance. The Company underwrites insurance principally through general agent relationships, brokers and surplus lines brokers. The Company�s principal operating subsidiaries include Bermuda Re, Everest International Reinsurance, Ltd., Ireland Re, Everest Re, Everest Insurance Company of Canada, Everest National Insurance Company, Everest Indemnity Insurance Company, Everest Security Insurance Company, Mt. McKinley and Heartland Crop Insurance, Inc.