QBE Insurance Group started as a marine insurer in Australia in 1886 and now operates in more than 25 countries. Their North American operation focuses on commercial and specialty lines — cyber, financial lines, construction, accident and health, and environmental liability — with a clear preference for accounts that require real underwriting expertise rather than rate-and-issue processing. QBE’s stated purpose is enabling a more resilient future, and their A (Excellent) AM Best rating reflects the financial capacity to back that claim.