The Group's principal activity is to offer specialty insurance, which includes small fidelity and non-contract surety bonds. The Surety bonds include contract surety and commercial surety bonds. Contract surety bonds secure contractor's performance and payment obligation with respect to the construction project. Commercial surety bonds include all surety bonds other than contract and cover obligations required by law and regulation. Fidelity bonds cover losses arising from employee dishonesty. The purchasers of fidelity bonds are law firms, insurance agencies and janitorial service companies. The Group writes surety and fidelity bonds in 50 states through a combined network of approximately 37,000 independent agencies.
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