Ohio Casualty Corporation is engaged in the property and casualty insurance business through a group of six direct and indirect subsidiaries, which are collectively known as the Ohio Casualty Group (the Group). The Group consists of The Ohio Casualty Insurance Company, West American Insurance Company, Ohio Security Insurance Company, American Fire and Casualty Company, Avomark Insurance Company and Ohio Casualty of New Jersey, Inc. The Company has three business units: commercial lines, specialty lines and personal lines. The commercial lines operating segment sells commercial multiple peril, commercial auto, general liability and workers compensation insurance as its primary products. The specialty lines operating segment sells commercial umbrella and bond insurance as its primary products. The personal lines operating segment sells personal automobile and homeowners insurance as its primary products.