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, finance, manufacturing, service and retailing. 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 16 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 and international life, health, long-term care and disability reinsurance coverages are written on an individual and group basis. Most of this business is written on a proportional treaty basis, with the exception of the U.S. group health and disability business which is predominately written on an excess treaty basis. Lesser amounts of life and disability business are written on a facultative basis. The life/health business is marketed on a direct basis. The Company's apparel manufacturing businesses include manufacturers of a number of clothing and footwear. Businesses engaged in the manufacture and distribution of clothing products includes Fruit of the Loom, Russell Corporation, Vanity Fair Brands, Garan and Fechheimer Brothers. Its footwear businesses include H.H. Brown Shoe Group and Justin Brands.