Basically a Specialty Surplus Lines Company at this Point
You have to give management credit for re-inventing the company. The old One Beacon was a second tier personal lines and commercial company. Maybe the top personal lines company can make a profit in good weather years but the real money is in the specialty lines ala RLI or Markel. We can only hope that our charts in five years look like RLI the old Replacement Lens Insurance company for contact lens.