Kingstone Companies (formerly DCAP Group) keeps things covered. While the company has transformed itself from a broker into an underwriter, its main business is still insurance. Its Kingstone Insurance Company (formerly Commercial Mutual Insurance Company) provides property/casualty insurance policies for individuals and businesses in New York State. Its products, including auto, business, and homeowners' policies, are sold through independent agents. The company has divested its former insurance brokerage business, which offered life and property/casualty policies through owned and franchised retail locations in New York and eastern Pennsylvania.