Berkshire Hathaway Inc was incorporated in the state of Delaware on June 16, 1998 under the name NBH, Inc. The Company is a holding company owning subsidiaries engaged in a number of diverse business activities, including insurance and reinsurance, freight rail transportation, utilities and energy, and distribution. The Company's insurance and reinsurance business activities are conducted through numerous domestic and foreign-based insurance entities. Its insurance businesses provide insurance and reinsurance of property and casualty risks world-wide and also reinsure life, accident and health risks internationally. The Company's insurance underwriting operations are comprised of the sub-groups namely GEICO and its subsidiaries; General Re and its subsidiaries; Berkshire Hathaway Reinsurance Group; and Berkshire Hathaway Primary Group. General Re's property/casualty reinsurance business in North America is conducted through General Reinsurance Corporation, domiciled in Delaware and licensed in the District of Columbia and all states but Hawaii where it is an accredited reinsurer. Property/casualty operations in North America are headquartered in Stamford, Connecticut, and are also conducted through branch offices in the U.S. and Canada. Reinsurance activities are marketed directly to clients without involving a broker or intermediary. General Re's North American life/health business operates through two divisions: the individual products division and the group & specialty division in the United States and Canada. The business segments include life, disability, supplemental health, critical illness and long-term care. The life/health business is marketed on a direct basis. Businesses engaged in the manufacture and distribution of clothing products includes Fruit of the Loom, Fruit, Russell and VFB, and JERZEES. Its footwear businesses include H.H. Brown Shoe Group and Justin Brands.