The Group's principal activity is to provide property and casualty insurance products and services. It operates in four segments: the Retail Division, the National Programs Division, Brokerage Division and the Services Division. The Retail Division provides insurance products and services to commercial, public entity, professional and individual customers. The National Programs Division provides professional liability for certain professionals, trade groups and market niches. The Services Division provides insurance-related services and managed healthcare services. The Brokerage Division markets and sells excess and surplus commercial insurance and reinsurance.
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