Kingsway Financial Services Inc. (KFSI) is a holding company that operates through its wholly owned subsidiaries in the property and casualty insurance business. During the year ended December 31, 2007, non-standard automobile business became the largest business line for KFSI and accounted for 31% of KFSI's $1.96 billion of gross premiums written (GPW). KFSI is engaged in trucking insurers in North America. This line of business comprised 21% of KFSI's GPW in 2007. In addition to revenue derived from premiums earned, KFSI also derives revenue from premium financing and investment income.