Kingsway Financial Services Inc. is a holding company that operates through its wholly owned subsidiaries in the property and casualty insurance business. Kingsway General Insurance Company, which became a wholly owned subsidiary in 1989, provides property and casualty insurance in specialized lines in Canada, primarily in the automobile insurance market. Since 1995, the Company has made selective acquisitions in Canada and the United States, including its insurance subsidiaries, American Service Insurance Company, Inc., U.S. Security Insurance Company, Jevco Insurance Company, Southern United Fire Insurance Company, Universal Casualty Company, Lincoln General Insurance Company, York Fire & Casualty Insurance Company and American Country Insurance Company. In addition to revenue derived from premiums earned, the Company also derives revenue from premium financing and investment income.