Hallmark Financial Services is an insurance holding company which markets, distributes, underwrites and services its property/casualty insurance products to businesses and individuals. The Company's business involves marketing, distributing, underwriting and servicing insurance products, as well as providing other insurance related services. Its segments include Standard Commercial Segment, Specialty Commercial Segment and Personal Segment. Hallmark reinsures a portion of the risk it underwrites in order to control the exposure to losses and to protect capital resources.