Philadelphia Consolidated Holding Corp. designs, markets and underwrites specialty commercial and personal property and casualty insurance products incorporating value-added coverages and services for select target markets or niches. The Company's operations are classified into three reportable business segments: Commercial Lines Underwriting Group, Specialty Lines Underwriting Group and Personal Lines Underwriting Group. Commercial Lines Underwriting Group has underwriting responsibility for the commercial multi-peril package, commercial automobile and specialty property and inland marine insurance products. Specialty Lines Underwriting Group has underwriting responsibility for the professional liability and directors' and officers' liability insurance products. Personal Lines Underwriting Group has underwriting responsibility for personal property and casualty insurance products for the manufactured housing and homeowners' markets.