Protective Insurance Company, with licenses in all 50 states and all Canadian provinces, provides coverage for large trucking fleets which retain substantial amounts of self-insurance as well as for medium-sized trucking companies on a first dollar or small deductible basis.

These transportation products are marketed by the Baldwin & Lyons agency organization directly to transportation clients without broker or agent intermediaries. The agency operations also provide claims handling, loss prevention and other insurance-related services to transportation insureds.

Protective Insurance Company has been providing reinsurance to insurance and reinsurance companies since 1992. Protective provides property catastrophe, per-risk and aggregate reinsurance to U.S. single state and regional insurance carriers through an arrangement with Paladin Catastrophe Management LLC. In addition, Protective accepts retrocessions from reinsurance companies, principally reinsuring against catastrophes.

Protective also offers a public transportation insurance program which provides comprehensive coverage for charter and tour bus companies, school bus contractors and limousine services.

Sagamore Insurance Company, which is licensed in 47 states, markets private passenger automobile insurance products to individuals and commercial automobile coverage to small trucking fleets and artisan contractors. All of these products are marketed through independent insurance agents contracted with Sagamore Insurance Company.

A subsidiary is also maintained in Bermuda to provide captive insurance company benefits to transportation insureds.