Infinity Property & Casualty Corporation (IPCC) is a provider of personal automobile insurance with an emphasis on nonstandard auto insurance. Nonstandard auto insurance provides coverage to drivers who, due to their driving record, age or vehicle type, represent higher than normal risks and pay higher rates for comparable coverage.

Based on data published by A.M. Best, we believe we are the second largest provider of nonstandard auto coverage through independent agencies. Our personal automobile coverage is offered nationally through a network of approximately 14,000 independent agents.

Our subsidiary insurance companies include Infinity Insurance Companies, Windsor Group, Atlanta Casualty Companies and Leader Insurance Companies. Prior to its IPO in 2002, Infinity Property & Casualty Corporation and its subsidiaries were part of the Great American Property & Casualty Group.

Our Strategy
Our goal is to maximize shareholder value by focusing on underwriting profitability and long-term return on equity. We will pursue this goal through a strategy of:

Product Focus: We will focus on personal automobile insurance where we expect the nonstandard business to benefit from an improving price environment and where we will have a selected presence in standard and preferred segments.

Distribution Focus: We will focus on the independent agent channel as a cost-effective system to access the personal auto insurance market and provide us a flow of customers.

Geographic Focus: We will focus on the states that we believe offer us the greatest opportunity for profitable growth. Target states will be distinguished by their personal auto insurance market size and legal and regulatory environments that we view as conducive to the profitability of our business.

Disciplined Pricing: We will demand adequate rates to achieve underwriting profitability and are willing to forego volume if necessary to achieve our profit objectives. We will remain committed to setting individual rates more accurately than our competitors.

Field Claim Handling: We will emphasize prompt response to claims by our own local claim adjusters in a manner that will continue to deliver good service to our customers and provide effective control of the claim resolution process.

Controlled Operating Expenses: We will manage our cost structure to be competitive and will remain committed to reducing costs further through consolidation designed to eliminate redundancies and achieve greater efficiencies.