Operator of property and casualty insurance holding company in the United States. The company, through its subsidiaries, markets and underwrites general liability, commercial property, and multi-peril insurance for small businesses. Its core commercial lines consist of commercial property and casualty lines. The company also writes commercial multi-peril policies, which provide commercial property and general liability coverages together as a package for its insureds. Its clients primarily include small businesses, including restaurants, apartments, retail stores, and service contractors. In addition, the company offers customized products and coverages for other small commercial insureds, such as day care facilities, fitness centers, and special events.