Personal or commercial, on the ground or in the air, Hallmark Financial sells insurance to cover risks both general and exceptional. Its standard commercial unit markets and underwrites general commercial property/casualty insurance, while its excess and surplus unit writes specialty property/casualty coverage to businesses that don't fit into standard coverage. Its general aviation unit provides aviation insurance to both commercial and private pilots and small airports. Other Hallmark Financial units provide personal non-standard auto insurance and specialty commercial auto and umbrella policies. Chairman Mark Schwarz owns more than 35% of the company through his investment firm, Newcastle Partners.