Operator of an underwriting company, specializing in unbundled alternative risk transfer and specialty programs for the commercial property and casualty insurance market in the United States. The company sells commercial auto, general liability, workers' compensation and property to business associations and franchises, rather than individual businesses. It provides underwriting services for various markets including retails, wholesale, service, light manufacturing, light and medium contracting, hospitality, light manufacturing and transportation. It also provides alternative solutions, like captives, an insurance company that would serve only a particular customer group.