Hallmark Financial Services offers insurance products and services to both individuals and businesses in the United States, operating through their Specialty Commercial, Standard Commercial, and Personal divisions. Specialty Commercial covers commercial vehicles, liability, and property insurance, healthcare, and financial lines insurance products, and satellite launch property/casualty insurance, while Standard Commercial provides property/casualty insurance products and services. The Personal division offers non-standard personal automobile and renters' insurance products and markets these through independent general agents, retail agents, and specialty brokers.