Headquartered in Ft. Worth Texas, Hallmark Financial Services, Inc. is a publicly traded holding company (NasdaqGM:HALL) with wholly owned subsidiaries engaged in property and casualty insurance.

Hallmark's business plan is to operate as a diversified underwriter of niche property and casualty insurance products. This plan is executed by four wholly owned operations, each with separate specialty product focus. Each operation is independent of each other and has their own senior management, underwriting, and claims staff.

Our specialty product focus and niche market strategy enable us to develop and retain in-house underwriting expertise and specialized market knowledge, which helps differentiate Hallmark from our competitors. Each operation tailors its products and product distribution to the unique nature of the risk and coverages they provide.

Hallmark's financial goal is earn a consistent underwriting profit and build long term shareholder value by focusing on profitability and operating efficiency versus topline premium growth and market share.