HGICHarleysville Group Inc
HGICHome and Garden Information Center
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The group also benefits from the financial flexibility afforded through HGIC.
With the exception of Harleysville Pennland Insurance Company, which is 100% owned by Harleysville Mutual, HGIC directly owns all remaining property/casualty members of the group.
HGIC's subsidiaries and Harleysville Mutual participate in an underwriting pooling agreement, in which member premiums, losses, and expenses are aggregated and Harleysville Mutual and HGIC assume 20% and 80% of the aggregated totals, respectively.