Our Insurance segment underwrites predominately commercial insurance business throughout the United States and internationally. Certain units in this segment write excess and surplus lines in the U.S. to cover highly complex risks with unique exposures that fall outside of the typical underwriting guidelines of the standard market. Others provide admitted insurance products and services in the U.S. to meet the needs of either a distinct regional group, including a wide variety of “Main Street” businesses, or the specialty risks of a particular type of customer. Operating units in the Insurance Segment write business worldwide, including the United Kingdom, Continental Europe, South America, Scandinavia, Australia and Asia. In each of our operating territories, products and services are tailored to the local customer base.