Penn-America Group® offers property and casualty products designed for small commercial businesses through a select network of wholesale general agents empowered with specific binding authority. Its insurance companies hold admitted licenses and surplus lines qualifications in all 50 states and D.C. and maintain A.M. Best "A" (Excellent) XI ratings. Penn-America was founded in 1975 and recently regionalized its operations to be closer to its agent partners by having offices in Atlanta, Los Angeles and the Philadelphia area.