The company provides marketing and underwriting of property and casualty insurance for the motor carrier industry. the insurance products consist of fleet trucking insurance, voluntary assumption reinsurance, private passenger automobile insurance, small fleet trucking insurance and small business workers' compensation insurance. the fleet trucking segment provides multiple line insurance coverage to large trucking fleets. the non-standard private passenger automobile segment provides motor vehicle liability and physical damage coverage to individuals. the reinsurance assumed segment accepts retrocession from selected reinsurance companies, reinsuring against catastrophes. the company, through its subsidiaries, is licensed to do business in all 50 states of the united states, all canadian provinces and bermuda. premiums earned accounted for 69% of 2001 revenues; Net investment income, 17% and other income, 14%.