The Seibels Bruce Group, Inc. (Seibels Bruce) is a provider of property and casualty insurance products and related services. Seibels Bruce retains risk on commercial lines insurance, which it writes in Georgia, North Carolina and South Carolina. The Company is a holding company for four property and casualty insurance companies that offer commercial and non-standard automobile insurance. In addition, Seibels Bruce offers claim administration services to insurance companies and other businesses through Insurance Network Services, Inc., flood zone determination and related services through America's Flood Services, Inc., and managing general agency services through Seibels, Bruce & Company. The Company conducts business in two primary categories: fee-based property and casualty insurance operations and risk-bearing property and casualty insurance operations.