We work closely with our producers to develop customized products and services to meet the needs of small and mid-sized businesses in response to changing market conditions.
At Tower, we have a unique approach to the marketplace. Utilizing every product, pricing and delivery option available, we write as broad a segment of the marketplace as we can. We offer a wide range of commercial products that are customized to meet the needs of businesses in targeted industries including real estate, automotive services, contracting and hospitality. Our market focus within these industries specifically focuses on apartments, condos, co-ops, tenant-occupied dwellings, artisan trade contractors, small restaurants and retail stores. We offer our standard products through our retail and select wholesale producers and on a non-admitted basis through our wholesale producers.
The Specialty Division focuses on providing commercial and personal insurance products in closely defined, homogeneous market segments that are not generally available through our Brokerage Division. In addition to the underwriting performed by our internal Specialty underwriting staff, we partner with program underwriting agents throughout the country who have developed specialized underwriting and market knowledge in select market segments such as garage liability, long-term healthcare, commercial construction, and specialized transportation.