The Hanover Insurance Group is an all-around property/casualty insurance holding company. Through Hanover Insurance Company, it provides personal and commercial automobile, homeowners, and workers' compensation coverage, as well as commercial multi-peril insurance and professional liability coverage. The group sells its products through a network of 2,000 independent agents throughout the US, but Michigan, Massachusetts, and New York account for about 40% of its business. In Michigan, it operates as Citizens Insurance Company. Hanover's Opus Investment Management subsidiary provides institutional investment management services; the group operates internationally through UK subsidiary Chaucer Holdings.