While the company might be small in...

While the company might be small in size, Tuscarora-Wayne Mutual Insurance Co has chosen a big mission--to "serve the underserved"

The company, which was conceived in the early 1870 during a thunderstorm, writes what Jay Chadwick, president and chief executive officer, says is "the business that many of the large, national carriers don't want." As the company aggressively cultivates the financial-services market for emerging opportunities overseeed by national providers, it also patiently remains positioned to seize favorable commons he added.

The company generally writes business of about $5000 in premium and takes forward risks, such as ...