We focus where the large carriers do not niche markets that require thought flexibility and care our products are among the most complete well-designed in the industry because we work directly with our MGAs to get policy language pricing and filings right from the start. We support banks credit unions and finance companies through MGAs who are experts in lender-based insurance programs our equipment physical damage program focuses specifically on insurance for light farm construction equipment and offers closure and post-closure bonds for landfill operators in the waste industry we deliver unemployment insurance for nonprofits this alternative to traditional taxes with a commitment to service responsiveness collaboration and precision.