Penn-America Group, Inc. is a specialty property and casualty insurance holding company that, through its subsidiary, Penn-America Insurance Company (Penn-America) and its subsidiary, Penn-Star Insurance Company (Penn-Star), markets and underwrites commercial property, general liability and multi-peril insurance for small businesses located primarily in small towns and suburban and rural areas. Penn-America writes business in all 50 states and the District of Columbia. Penn-Americas insureds consist primarily of small businesses, including restaurants, apartments, retail stores and non-residential service contractors. In addition, PAGI has developed customized products and coverages for other small commercial insureds such as day care facilities, fitness centers and special events.