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The Berkely Group is dedicated exclusively to providing the travel and cruise industries with high quality insurance products and services. For over two and one-half decades travel agents, tour operators and cruise lines have looked to Berkely as a resource for their insurance needs. In addition to quality insurance products delivered with an unparalleled commitment to customer service, it is often noted that Berkely further differentiates itself through the dedication of its human resources and their expertise in the travel industry. Founded in 1976, the company has evolved into a number of separate operating entities that currently comprise The Berkely Group, including Berkely Agency and BerkelyCare. Over the course of the last twenty-five years and continuing today, the company continues to expand its offerings, further refine and improve the levels of service provided and continually set new standards by which all suppliers to the travel industry are judged. However, the guiding principles upon which the company was founded remain at the forefront as Berkely manages its business today and proactively prepares for the future. The cornerstone of the Berkely corporate philosophy is to: attract and retain quality human resources; and achieve a high degree of specialization in a limited number of areas. We firmly believe that adherence to these concepts will invariably lead to success. Two additional contributing factors that naturally evolve from these basic tenets are (1) a commitment to quality service; and (2) development of highly specialized, custom-designed computer software especially suited to our niche business. The following descriptions provide further detail on the Berkely Agency and BerkelyCare subsidiaries.