QBE Insurance Group Ltd. is a general insurance and reinsurance company. Its underwrites commercial and personal line classes of business, including property, motor and motor casualty, agriculture and bloodstock, liability, marine, energy and aviation, workers compensation, financial and credit, professional indemnity, accident and health, and others. It operates its business through the following segments: North American Operations, European Operations, Australian and New Zealand Operations, Emerging Markets, and Equator Re. The North American Operations writes general insurance and reinsurance business in the United States. The European Operations list general insurance business principally in the UK and throughout mainland Europe, both general insurance and reinsurance business through Lloyd's of London and reinsurance business in Ireland and mainland Europe. The Australian and New Zealand Operations primarily underwrites general insurance risks throughout Australia and New Zealand, providing all major lines of insurance for personal and commercial risks. The Emerging Markets writes extensive insurance business in North, Central and South America and provides personal, commercial and specialist general insurance covers throughout the Asia Pacific region. The Equator Re is based in Bermuda and provides reinsurance protection to related entities. The company was founded in 1973 and is headquartered in Sydney, Australia.