You might wonder what folks in Illinois know about earthquake insurance, but as a specialty property/casualty insurer, Peoria-based RLI knows how to write such policies. Through its subsidiaries, the company mainly offers coverage for US niche markets -- risks that are hard to place in the standard market and are otherwise underserved. It focuses on public and private companies as well as non-profit organizations. RLI's commercial property/casualty lines include products liability, property damage, marine cargo, directors and officers liability, medical malpractice, and general liability. It also writes commercial surety bonds and a smattering of specialty personal insurance.