21st Century Holding Company is a vertically integrated insurance holding company that controls substantially all aspects of the insurance underwriting, distribution and the claims process through its subsidiaries. The Company underwrites personal automobile insurance, homeowners insurance and mobile home property and casualty insurance in the State of Florida through its wholly owned subsidiaries, Federated National Insurance Company and American Vehicle Insurance Company. The Company internally processes claims through a wholly owned claims adjusting company, Superior Adjusting, Inc. 21st Century also offers premium financing to its own and third-party insureds through its wholly owned subsidiary, Federated Premium Finance Inc. 21st Century, through its wholly owned subsidiary, FedUSA Inc., franchises agencies under the FedUSA name.