Since 1946 the Jerger Family has been in the insurance business in Florida. Our goal has always been to provide the prudent agent and its customers with security and protection through professional insurance services. We have a Tradition of providing old-fashioned service with a smile. The Jerger Insurance Holding Company in 2007 formed a Florida property and casualty insurance company named Modern USA Insurance Company (Modern). We specialize in residential property insurance and operate in Florida. Modern USA Insurance Company provides a voluntary market for residential property insurance coverage.

MUSA MGA, LLC serves as the MGA for Modern. Jerger Insurance Holding Company, a Florida corporation, wholly owns Modern USA Insurance Company. MUSA MGA, LLC has common ownership with Jerger Insurance Holding Company. Modern USA Insurance Company, under a servicing agreement with our business partner West Point Underwriters, LLC, markets, underwrites and processes all the property insurance policies. West Point Underwriters, LLC was established in May 2000 and began writing policies in October 2000. We are proud of our special relationship with West Point. West Point Underwriters has had remarkable growth over its operating history.

Highly effective use of technology, designed and maintained at extremely low costs relative to industry norms, provides Modern with a sustainable competitive advantage in expense structure and offers an attractive hook for agents who value user friendliness and speed of entry.

The property insurance market in Florida has endured a nearly continuous state of turmoil since 1992 in the aftermath of Hurricane Andrew and this condition has been exasperated by the numerous hurricanes during 2004 and 2005. Property insurance risk assessment and pricing throughout the world has evolved over the past decade as reinsurers, intermediaries and direct insurance carriers have modified their approach to marketing and underwriting property risks. While many insurers, particularly large national insurers, seek to reduce their exposure in Florida (as well as other catastrophe-exposed states), and non-domestic insurers avoid Florida altogether, we will use our detailed knowledge of Florida policyholders, territorial pricing, highly automated systems, spread of risk approach, regulatory and legislative matters, agency relationships and technical capabilities to grow a profitable book of property insurance policies. This is the opportunity we have with Modern, a company with a mixture of old time values and experience with a new dynamic progressive approach.





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