Effective April 1, 2020, Markel has combined our US operations under the name Markel Specialty. Markel Specialty operates through six geographic US Regions within two overarching territories across all 50 states and includes international operations in Bermuda, Dublin, and London. Our name reflects our position in the marketplace: a diversified specialty insurer offering products in the casualty, property, professional lines, and surety segments of the industry. We insure businesses from Main Street to Wall Street offering innovative admitted and non-admitted solutions to individuals, small businesses, Fortune 1000 companies, and everything in between. Our products are distributed through appointed retail agents, wholesale brokers and intermediaries including underwriting authority delegated to MGAs and MGUs, as well as insurtech and other alternative distribution platforms.