Stratus Insurance began focusing on specialty general liability, product liability and program business insurance in 2002. Since then, we have been involved in the creation and ongoing administration of over 20 different asso ciation-based and Risk Purchasing Group programs. Stratus Insurance is able to create new insurance programs and manage existing programs. In addition, Stratus Insurance consistently works closely with agents and associations to enhance their current pro grams. Stratus Insurance specializes in homogeneous, association-based programs and unique classes or books of business. In a difficult market where insurance programs are being cancelled for reasons other than profitability, Stratus Insurance is building such programs a home. Stratus Insurance is located in American Fork, Utah. We operate throughout the country through four Risk Purchasing Groups and several other master programs. However, physical location does not affect the availability of our programs. All Stratus programs are made available through local insurance agents and brokers in all 50 states. Stratus Insurance resourcefully provides a cohesive group approach to purchasing general or product li ability insurance protection. Several large national, international, and industry associations endorse Stratus Insurance for their mem ber and affinity groups. With premiums starting at $75 per participant we have developed programs over $1, 000, 000 dollars in premium. Stratus provides an important group approach to purchasing insurance protection.