ACE is a holding company. Through its subsidiaries, Co. is an insurance and reinsurance organization. Co. provides commercial insurance products and service offerings such as risk management programs, loss control and engineering and claims management. Co. provides insurance products ranging from Directors & Officers and professional liability to several specialty-casualty and umbrella and excess casualty lines. Co. also provides personal lines insurance coverage including homeowners, umbrella liability and recreational marine products. Co.'s segments are: Insurance - North American P&C, Insurance - North American Agriculture, Insurance - Overseas General, Global Reinsurance, and Life.