(DGICA) Donegal - Ratings and Ratios

Donegal Group Inc. is a multifaceted insurance holding company that specializes in providing a wide range of property and casualty insurance products to both businesses and individuals. The company's operations are structured into three distinct segments: the Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. This diversified approach enables Donegal Group Inc. to cater to various customer needs, from personal insurance policies to complex commercial coverage. By doing so, the company aims to deliver comprehensive protection and financial security to its clients across different regions.

The company's product portfolio is extensive, featuring private passenger automobile policies that offer protection against bodily injury and property damage resulting from accidents, as well as coverage for damage to vehicles. Additionally, Donegal Group Inc. provides homeowners policies that safeguard residences and their contents against a variety of perils, including fire, lightning, windstorms, and theft, along with liability coverage for injuries to others or damage to their property. The company also offers a range of commercial insurance products, such as commercial automobile policies, commercial multi-peril policies that combine liability and physical damage coverages, and workers' compensation policies that provide benefits to employees for work-related injuries.

Donegal Group Inc. primarily markets its insurance products through independent agencies to customers in the Mid-Atlantic, Midwestern, New England, Southern, and Southwestern regions. This strategic approach allows the company to maintain a strong presence in these areas while leveraging the expertise of local agencies to better serve its clients. With its incorporation dating back to 1986 and headquarters in Marietta, Pennsylvania, Donegal Group Inc. operates as a subsidiary of Donegal Mutual Insurance Company, further solidifying its position within the insurance industry. The company's commitment to providing tailored insurance solutions has enabled it to establish a strong foothold in the market, with its common stock listed under the ISIN US2577012014 and categorized under the GICS Sub Industry of Property & Casualty Insurance.