Business Description

Liability Coverage for contractor-related businesses, energy development and production risks, mergers and acquisitions liability and environmental liability risks. Targeted Markets Coverage (primarily liability and property) for social service agencies, leisure, entertainment and non-profit organizations, cyber, customized solutions for other targeted markets and alternative risk programs using agency captives. Umbrella and Excess Liability Coverage in excess of primary layers. Workers’ Compensation Coverage for prescribed benefits payable to employees who are injured on the job. Specialty Financial Fidelity and Surety Fidelity and crime coverage for government, mercantile and financial institutions and surety coverage for various types of contractors and public and private corporations. Lender Services Coverage for insurance risk management programs for lending and leasing institutions, including equipment leasing and collateral and lender-placed mortgage property insurance. Trade Credit Export and domestic trade credit insurance products for global trade and related financing activities. Management believes specialization is the key element to the underwriting success of these business units. These specialty businesses are opportunistic and premium volume will vary based on prevailing market conditions. AFG continually evaluates expansion in existing markets and opportunities in new specialty markets that meet its profitability objectives. Likewise, AFG will withdraw from markets that do not meet its profit objectives or