National Programs is comprised of Professional Programs and Special Programs (those units which provide insurance programs for certain niche industries). While most of our Special Programs, as well as the Professional Program’s Lawyer's Protector Plan had a banner year, some of Professional Programs did struggle as a result of rate inadequacy. Overall the Programs Division experienced a total commission and fee growth rate of 36.2%, including a fine internal growth rate of 19.7%.

Late in 2002 CalSurance Associates, of Orange, California, joined Professional Programs, bringing several, new, strong programs to further expand our reach in this important aspect of the insurance business. CalSurance is nationally recognized for its programs for insurance agents, real estate agents, financial advisors and similar professions. We anticipate that this addition will prove to be of significant value in the very near future.