Tower Group, Inc. (Tower), through its subsidiaries, offers a range of commercial, personal and specialty property and casualty insurance products and services to businesses in various industries and to individuals. The Company provides coverage for many different market segments, including non-standard 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 these products on both an admitted and excess and surplus (E&S) basis. The Company operates in three segments: Commercial Insurance, Personal Insurance and Insurance Services. On July 1, 2010, it acquired OneBeacon Personal Lines Division (OBPL). On November 2, 2010, Tower acquired the renewal rights to the commercial automobile liability and physical damage business of AequiCap Program Administrators Inc. (AequiCap II), an underwriting agency based in Fort Lauderdale, Florida.