Underwriting information

The Company has one reportable segment, the Excess and Surplus Lines Insurance segment, which primarily offers commercial excess and surplus lines liability and property insurance products through its underwriting divisions. Gross written premiums by underwriting division are presented below:



	Year Ended December 31,
	2018		2017		2016
	(in thousands)
Commercial:
Construction	$	50,879	$	48,587	$	42,234
Small business	44,368		34,896		27,333
Excess casualty	26,450		20,260		17,799
Energy	25,815		22,898		16,157
Product liability	20,049		14,288		10,140
General casualty	17,625		15,865		16,162
Allied health	16,815		10,645		9,344
Professional liability	16,717		12,956		14,212
Life sciences	14,505		12,408		10,897
Commercial property	9,166		5,609		4,835
Management liability	8,161		4,123		2,244
Health care	5,725		6,235		6,594
Environmental	2,924		2,692		1,931
Inland marine	2,046		967		910
Public entity	1,193		1,265		875
Commercial insurance	1,096		816		459
Total commercial	263,534		214,510		182,126
Personal:
Personal insurance	12,004		8,681		6,352
Total personal	12,004		8,681		6,352
Total	$	275,538	$	223,191	$	188,478

Construction underwrites commercial general liability coverage on contractors focusing on new residential construction, residential remodeling and renovation and commercial construction.

Small business underwrites commercial general liability on smaller risks with an emphasis on artisan contractors and premises related exposures.

Excess casualty underwrites excess liability over risks that would fit within the general casualty, construction, products liability and small business divisions above. Coverage is written over our primary liability policies as well as those of other insurers. This division also writes excess liability over primary commercial auto liability policies written by other carriers.

Energy underwrites commercial general liability, pollution liability, professional liability and excess liability on enterprises engaged in the business of energy production or distribution or mining including drillers, lease operators, contractors and product manufacturers.

Products liability underwrites commercial general liability on manufacturers, distributors and importers of a wide array of consumer, commercial and industrial products.

General casualty underwrites general liability and liquor liability on hospitality, habitational and retail risks, among others, with similar premises liability loss exposures.

Allied health underwrites commercial general liability, professional liability and excess liability on allied health and social service risks including assisted living facilities, home health care agencies and outpatient medical facilities.

Professional liability underwrites small-to-medium sized non-medical professional liability risks. The classes of risks we cover include accountants, architects and engineers, financial planners, insurance agents, lawyers, realtors, and certain other professions.

Life sciences underwrites general liability, products liability and professional liability coverage for manufacturers, distributors and developers of dietary supplements, medical devices, pharmaceuticals, biologics, health and beauty products, durable medical equipment and clinical trials.

Commercial property underwrites catastrophe-exposed risks including manufacturing facilities, government and municipal buildings, professional buildings, offices and general commercial properties, vacant properties, as well as entertainment and retail facilities.

Management liability underwrites directors and officers liability, employment practices liability and fiduciary liability coverage on a variety of commercial and government risks.

Health care underwrites medical professional liability for physicians, surgeons, dentists, chiropractors and podiatrists. Policies cover both individuals and small practice groups.

Environmental underwrites commercial general liability, pollution liability and professional liability on a wide range of commercial risks where environmental exposures exist that are operational in nature or related to the premises.

Inland marine underwrites a variety of inland marine coverages including builders risk, contractors' equipment, transportation risks and mobile equipment.

Public entity underwrites law enforcement professional liability and school board liability.

Commercial insurance underwrites commercial general liability on small accounts, through our wholly-owned broker, Aspera.

Personal insurance writes homeowners coverage on manufactured homes with a catastrophe exposure due to coastal location.

The Company does business with two unaffiliated insurance brokers that generated $32.7 million and $29.4 million of gross written premiums for the year ended December 31, 2018, representing 11.9% and 10.7% of gross written premiums, respectively. No other broker generated 10.0% or more of the gross written premiums for the year ended December 31, 2018.