Philadelphia Insurance Companies (PHLY) designs and underwrites specialty commercial property and casualty and professional liability products for select niche industries, operating through 50 offices across the country. They’re part of Tokio Marine Group — Japan’s oldest property and casualty insurer — and carry an A++ (Superior) rating from AM Best. PHLY is known for disciplined specialty underwriting, value-added coverages built around specific industry risks, and claims service that moves quickly on commercial accounts. For businesses in specialized industries that need more than a generic BOP, PHLY is a carrier worth considering.