Insurance Australia Group Ltd. is an insurance company. It distributes a range of personal and commercial insurance products, both directly to the customer and indirectly through a network of intermediaries. The company operates through following segments: Consumer division Australia; Business division Australia; New Zealand; Asia; and Corporate and other. The Consumer division Australia segment provides general insurance products to individuals and families throughout Australia, primarily under the NRMA Insurance, SGIO, SGIC and CGU brands, under the RACV brand in Victoria and the Coles Insurance brand nationally. The Business division Australia segment provides commercial insurance to businesses of all sizes throughout Australia, under the CGU, WFI, and Swann Insurance brands through intermediaries including brokers, representatives and distribution partners. The New Zealand segment provides general insurance business underwritten in New Zealand. Insurance products are sold directly to customers under the State and AMI brands, and through insurance brokers and authorized representatives primarily using the NZI and Lumley Insurance brands. Its personal and commercial products are also distributed by corporate partners, such as large financial institutions, using third party brands. The Asia segment provides direct and intermediated insurance business underwritten through subsidiaries in Thailand, Vietnam and Indonesia and the share of the operating result from the investment in associates in Malaysia and India. It offers personal and commercial insurance products through local brands. The Corporate and Other segment comprises other activities, including corporate services, capital management activity, placement of the Group's reinsurance program, inward reinsurance from associates and all investment activities. Insurance Australia Group was founded in 1925 and is headquartered Sydney, Australia.