Accept or reject commercial lines accounts that fall outside of straight through processing rules through exposure identification and risk analysis, including: understanding all exposures that might cause a policy to incur losses; conservatively assessing the likelihood of any exposure actually causing a loss and the probable cost if it does; setting a premium that, on average, would deliver a profit after both prospective loss costs and operating expenses are covered; be willing to walk away if the appropriate premium cannot be obtained. Our current footprint includes: Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin.