Underwriting information

12 Months Ended

Dec. 31, 2019

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,
	2019		2018		2017
	(in thousands)
Commercial:
Construction	$	71,035	$	50,879	$	48,587
Small business	63,181		44,368		34,896
Excess casualty	51,225		37,398		30,260
Commercial property	29,115		9,166		5,609
Product liability	26,333		20,049		14,288
Allied health	23,962		16,815		10,645
General casualty	23,279		17,625		15,865
Professional liability	20,029		16,717		12,956
Life sciences	17,821		14,505		12,408
Energy	15,371		15,586		13,544
Management liability	14,820		8,161		4,123
Health care	5,963		5,725		6,235
Environmental	5,179		2,205		2,046
Inland marine	3,467		2,046		967
Commercial insurance	1,674		1,096		816
Public entity	580		1,193		1,265
Total commercial	373,034		263,534		214,510
Personal:
Personal insurance	16,660		12,004		8,681
Total personal	16,660		12,004		8,681
Total	$	389,694	$	275,538	$	223,191

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. During 2019, certain business previously underwritten by the Energy and Environmental divisions is now underwritten by this division and prior year amounts have been reclassified to conform to the current year's presentation.

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.

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

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.

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

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.

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. As previously discussed, during 2019, certain business previously underwritten by this division is now underwritten by the Excess Casualty division and prior year amounts have been reclassified to conform to the current year's presentation.

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. As previously discussed, during 2019, certain business previously underwritten by this division is now underwritten by the Excess Casualty division and prior year amounts have been reclassified to conform to the current year's presentation.

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

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

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

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 $47.2 million and $41.1 million of gross written premiums for the year ended December 31, 2019, representing 12.1% and 10.5% of gross written premiums, respectively. No other broker generated 10.0% or more of the gross written premiums for the year ended December 31, 2019.