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The old adage of "you get what you pay for" is certainly true in our industry. In this way, price alone is often a misleading method of selecting an insurer. They seek to create greater value through better practices. The quality of those that they insure (through specialized underwriting) rather than volume of customers or expediency alone. They write a large volume of policies, assuming that economies of scale and rapid processing capabilities will lower overhead. Some companies try to play the commodity game.

Pricing also differentiates companies. This keeps the insurance costs down for everyone. The premier insurance companies partner with their agents and business clients to prevent losses from ever happening, identifying technologies, tools and techniques that results in fewer losses and fewer claims. These services may differ vastly from one insurance company to another. The best safety and loss control services are those that prevent a loss from occurring.

Service can be seen during the claims process, after a loss occurs, but it also comes before the loss. We believe that a number of things differentiate insurance companies from each other, but the most important is service. It is also about helping businesses manage their risks. This product strategy allows the companies within Argonaut Group to maintain their individual focuses while leveraging the capital strength and company brand that the Argonaut Group provides. These various operating subsidiaries differentiate the products and services that they deliver from one part of the group to another. There are a number of different underwriting organizations within the Argonaut group, and many of them are known by another name.