QBE Insurance Group Ltd is an Australia-based general insurance and reinsurance company. The Company offers commercial, personal and specialty products and risk management solutions. Its segments include North America, International and Australia Pacific. International Division incorporates its European Operations and Asia, including Hong Kong, Singapore, Malaysia and Vietnam and provides a range of insurance products and risk management solutions across commercial, personal and specialty lines. Australia Pacific comprises its operations in Australia, New Zealand, India and the Pacific and focuses on personal lines, including home, motor and Compulsory Third-Party insurance. North American Operations is an integrated specialist insurer offering specialty commercial, personal and reinsurance capabilities.