Tower Group, Inc. (Tower), through its subsidiaries, is engaged in offering a range of specialized property and casualty insurance products and services to businesses and to individuals primarily in the Northeast, Florida, Texas and California. The Company provide coverage for many different market segments, including nonstandard risks that do not fit the underwriting criteria of standard risk carriers due to factors, such as type of business, location and premium per policy. It provides on both an admitted and excess and surplus lines basis, commercial lines products comprised of commercial package, general liability, workers’ compensation, commercial auto and commercial umbrella policies to businesses such as residential and commercial buildings, retail and wholesale stores, food service and restaurants, artisan contractors and garage automotive services. In November 2009, Tower Group, Inc. completed the acquisition of Specialty Underwriters' Alliance, Inc.