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The Hanover Insurance Group, Inc. (THG) is a holding company for its subsidiaries, which includes The Hanover Insurance Company (Hanover Insurance) and Citizens Insurance Company of America (Citizens), which are its principal property and casualty subsidiaries; First Allmerica Financial Life Insurance Company (FAFLIC), which is its life insurance and annuity subsidiary, and certain other insurance and non-insurance subsidiaries. The Company’s primary business operations include insurance products and services in three property and casualty operating segments: Personal Lines, Commercial Lines, and Other Property and Casualty. Its fourth operating segment, Life Companies, is in run-off. On September 14, 2007, the Company acquired Professionals Direct, Inc. Professionals Direct, Inc.’s primary business is professional liability insurance for small and mid-sized law practices. In March 2008, the Company completed the acquisition of Verlan Holdings, Inc.