W. R. Berkley is a holding company offering an assortment of niche commercial property/casualty insurance across three segments. Its largest segment, domestic insurance, underwrites complex third-party liability risks, professional liability, and commercial transportation insurance for small to midsized business customers and state and local governments. It also develops self-insuring programs aimed at employers and employer groups. International insurance offers the same services in 60 countries in Europe, the Americas, Asia, and Australia. Its reinsurance unit allows insurance companies in the US, Europe, and Asia/Pacific region to pool their risks in order to reduce their liability.