The Company markets and underwrites specialty insurance products and programs to a variety of niche markets and operates in three segments of the specialty insurance marketplace: the Excess and Surplus Lines, the Specialty Admitted and the London markets.
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P&C insurance operations are ran very well. There is no moat (durable competitive advantage), but it doesn't need one. It uses float money to invest in outstanding companies with moats. Has consistently smoked the S&P with less standard deviation.