Old Republic manages its business through more than 139 corporate entities, of which 27 are insurance subsidiaries covering all 50 states, 3 US territories, and all 10 Canadian providences. Old Republic companies market, underwrite, and provide risk management services for a multitude of coverages, predominantly in the general (property and casualty) and title insurance arenas. A small life and health insurance business is also conducted in the U.S. and Canada, principally as an adjunct to the Company's general insurance operations. The breadth of coverages ensures wide diversification and dispersion of risks. Additionally, Old Republic's companies focus only on carefully selected major sectors of the American economy that are not uniformly exposed to the same business cycles. Old Republic operates in a decentralized manner that emphasizes specialization by type of insurance coverage, as well as industries and economic sectors served.
Old Republic publishes an Annual Review that is widely distributed to agents, brokers, customers, employees, and others interested in the Company's business objectives and product offerings.