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. It operates in four segments: U.S. Reinsurance, Insurance, International and Bermuda. On January 2, 2011, the Company acquired the business and operations of Heartland Crop Insurance, Inc. of Topeka, Kansas. On January 28, 2011, the Company acquired the entire business and operations of Premiere Insurance Underwriting Services (Premiere) of Toronto, Canada. On January 31, 2011, the Company acquired operations of the financial lines business of Executive Risk Insurance Services, Ltd. (Executive Risk) of Toronto, Canada.