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Old Republic International's Business Segments
Old Republic International's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of Q2 FY2026
Reportable Segments
3
Largest Segment
Specialty Insurance Group
Total Revenue
$ 2,504
Regions Reported
-
Revenue Share by Reportable Segment - Q2 FY2026
- Specialty Insurance Group52.9%
- Title Insurance Group27.9%
- Corporate & Other0%
Revenue by Reportable Segment - Q2 FY2026
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Specialty Insurance Group | $ 1,324 | 52.9% |
| Title Insurance Group | $ 699 | 27.9% |
| Corporate & Other | $ 1 | 0% |
Description of Old Republic International
Old Republic International Corporation is a Chicago based holding company engaged
in the single business of insurance underwriting and related services. It conducts
its operations principally through a number of regulated insurance company subsidiaries
organized into three major segments, namely, its General Insurance Group (property
and liability insurance), Title Insurance Group, and the Republic Financial Indemnity
Group ("RFIG") (mortgage guaranty ("MI") and consumer credit
indemnity ("CCI")) Run-off Business. References herein to such groups
apply to the Companys subsidiaries engaged in these respective segments of business.
The results of a small life and accident insurance business are included within
the corporate and other caption of this report. "Old Republic" or "the
Company" refers to Old Republic International Corporation and its subsidiaries
as the context requires.
Old Republic International Corporation (ORI) operates through a diverse range of segments, with a strong emphasis on providing insurance products primarily in the commercial sector. Below is an extensive overview of the segments, products, and services offered by Old Republic International Corporation, updated and detailed for better clarity.
General Insurance Group
The General Insurance Group is the core segment of Old Republic and is primarily focused on commercial lines insurance, particularly liability coverage. This segment caters to various types of businesses, government entities, and institutions, avoiding significant exposure to personal lines insurance such as homeowners and private automobile coverage. The segment emphasizes specific industries in the North American economy, including:
1. Transportation: Coverage includes trucking and general aviation.
2. Commercial Construction: Insurance offerings protect construction projects and contractors against various risks.
3. Healthcare: Coverage for healthcare providers against malpractice and general liabilities associated with healthcare delivery.
4. Education: Insurance products for educational institutions covering practitioners, students, and facilities.
5. Retail and Wholesale Trade: Policies that protect businesses against common retail risks.
6. Forest Products: Insurance solutions tailored for companies operating in the forestry and logging sectors.
Energy: Coverage designed for the oil, gas, and renewable energy industries.
8. General Manufacturing: Policies reflecting the diverse risks faced by manufacturing businesses.
9. Financial Services: Provides specialized insurance covering the unique risks of financial institutions.
The Group employs various techniques for managing insurance risks, notably:
- Underwriting Techniques: This includes the use of deductibles, captive insurance risk-sharing arrangements, retrospective rating, and policyholder dividend plans to correlate premium charges with actual claims experiences.
Major Coverages
The General Insurance segment comprises numerous major coverage lines, including:
- Automobile Extended Warranty Insurance: Coverage for post-manufacturer warranty repairs for vehicles.
- Aviation Insurance: Protects aircraft hulls and provides liability coverage for bodily injury and property damage related to aviation operations.
- Commercial Automobile Insurance: Covers commercial vehicles (primarily trucks) in case of accidents, bodily injury, or property damage.
- Commercial Multi-Peril (CMP): Provides broad coverage for businesses, combining property and liability protection.
- Financial Indemnity: This sub-segment encompasses several specialty coverages:
- Errors and Omissions (E&O) / Directors and Officers (D&O): Covers legal expenses and claims against non-medical professionals and corporate executives.
- Fidelity Bonds: Protect businesses from losses due to employee dishonesty.
- Guaranteed Asset Protection (GAP): This product covers the difference owed on an automobile loan and the insurer’s payout after a total loss.
- Surety Bonds: Guarantees contractual performance by a corporate principal or individual.
- General Liability: Offers protection against claims stemming from negligence that results in bodily injury or property damage.
- Home Warranty Insurance: Provides coverage for the repair or replacement of home systems and appliances.
- Inland Marine Insurance: Covers property in transit over land.
- Travel Accident Insurance: Covers certain monetary losses from trip delays and cancellations.
- Workers Compensation Insurance: Provides benefits to employees for work-related injuries, including lost wages and medical costs.
In terms of premium distribution, workers compensation, commercial automobile, and general liability insurance are often marketed together, with significant portions of total premiums originating from independent agents and brokers (approximately 91%).
Title Insurance Group
Founded in 1907, Old Republics Title Insurance Group primarily focuses on issuing title insurance policies that protect real estate purchasers against defects or liens on their titles. This segment differentiates between two main types of policies:
1. Lenders Policies: Protects mortgage lenders interests.
2. Owners Policies: Safeguards the owners interest in the property.
The premium for title insurance is typically paid at the closing of a real estate transaction, with no recurring fees. Old Republic also offers additional related services such as escrow closing, construction disbursement services, and real estate information products.
Republic Financial Indemnity Group (RFIG) Run-off Business
The RFIG run-off business is primarily focused on mortgage guaranty operations and private mortgage insurance. This segment protects lenders against losses from defaults on residential mortgage loans. RFIGs offering includes:
- Primary Mortgage Insurance: Protection on individual loans against default.
- Pool Insurance: Coverage for multiple loans bundled together, providing insurance against aggregate losses.
Stepping back from new underwriting, RFIG has been servicing existing policies while transitioning into a run-off status after being restricted by state regulations concerning capital requirements.
Summary
Old Republic International Corporation operates in multiple insurance sectors with a strong focus on commercial insurance products. Its product lines are tailored to a wide array of businesses and industries, utilizing innovative underwriting practices to enhance risk management. Each segment is supported by a robust network of agents and brokers to effectively reach a broad client base, ensuring that the needs of various sectors are met comprehensively.
General Insurance Group
The General Insurance Group is the core segment of Old Republic and is primarily focused on commercial lines insurance, particularly liability coverage. This segment caters to various types of businesses, government entities, and institutions, avoiding significant exposure to personal lines insurance such as homeowners and private automobile coverage. The segment emphasizes specific industries in the North American economy, including:
1. Transportation: Coverage includes trucking and general aviation.
2. Commercial Construction: Insurance offerings protect construction projects and contractors against various risks.
3. Healthcare: Coverage for healthcare providers against malpractice and general liabilities associated with healthcare delivery.
4. Education: Insurance products for educational institutions covering practitioners, students, and facilities.
5. Retail and Wholesale Trade: Policies that protect businesses against common retail risks.
6. Forest Products: Insurance solutions tailored for companies operating in the forestry and logging sectors.
Energy: Coverage designed for the oil, gas, and renewable energy industries.
8. General Manufacturing: Policies reflecting the diverse risks faced by manufacturing businesses.
9. Financial Services: Provides specialized insurance covering the unique risks of financial institutions.
The Group employs various techniques for managing insurance risks, notably:
- Underwriting Techniques: This includes the use of deductibles, captive insurance risk-sharing arrangements, retrospective rating, and policyholder dividend plans to correlate premium charges with actual claims experiences.
Major Coverages
The General Insurance segment comprises numerous major coverage lines, including:
- Automobile Extended Warranty Insurance: Coverage for post-manufacturer warranty repairs for vehicles.
- Aviation Insurance: Protects aircraft hulls and provides liability coverage for bodily injury and property damage related to aviation operations.
- Commercial Automobile Insurance: Covers commercial vehicles (primarily trucks) in case of accidents, bodily injury, or property damage.
- Commercial Multi-Peril (CMP): Provides broad coverage for businesses, combining property and liability protection.
- Financial Indemnity: This sub-segment encompasses several specialty coverages:
- Errors and Omissions (E&O) / Directors and Officers (D&O): Covers legal expenses and claims against non-medical professionals and corporate executives.
- Fidelity Bonds: Protect businesses from losses due to employee dishonesty.
- Guaranteed Asset Protection (GAP): This product covers the difference owed on an automobile loan and the insurer’s payout after a total loss.
- Surety Bonds: Guarantees contractual performance by a corporate principal or individual.
- General Liability: Offers protection against claims stemming from negligence that results in bodily injury or property damage.
- Home Warranty Insurance: Provides coverage for the repair or replacement of home systems and appliances.
- Inland Marine Insurance: Covers property in transit over land.
- Travel Accident Insurance: Covers certain monetary losses from trip delays and cancellations.
- Workers Compensation Insurance: Provides benefits to employees for work-related injuries, including lost wages and medical costs.
In terms of premium distribution, workers compensation, commercial automobile, and general liability insurance are often marketed together, with significant portions of total premiums originating from independent agents and brokers (approximately 91%).
Title Insurance Group
Founded in 1907, Old Republics Title Insurance Group primarily focuses on issuing title insurance policies that protect real estate purchasers against defects or liens on their titles. This segment differentiates between two main types of policies:
1. Lenders Policies: Protects mortgage lenders interests.
2. Owners Policies: Safeguards the owners interest in the property.
The premium for title insurance is typically paid at the closing of a real estate transaction, with no recurring fees. Old Republic also offers additional related services such as escrow closing, construction disbursement services, and real estate information products.
Republic Financial Indemnity Group (RFIG) Run-off Business
The RFIG run-off business is primarily focused on mortgage guaranty operations and private mortgage insurance. This segment protects lenders against losses from defaults on residential mortgage loans. RFIGs offering includes:
- Primary Mortgage Insurance: Protection on individual loans against default.
- Pool Insurance: Coverage for multiple loans bundled together, providing insurance against aggregate losses.
Stepping back from new underwriting, RFIG has been servicing existing policies while transitioning into a run-off status after being restricted by state regulations concerning capital requirements.
Summary
Old Republic International Corporation operates in multiple insurance sectors with a strong focus on commercial insurance products. Its product lines are tailored to a wide array of businesses and industries, utilizing innovative underwriting practices to enhance risk management. Each segment is supported by a robust network of agents and brokers to effectively reach a broad client base, ensuring that the needs of various sectors are met comprehensively.