The St. Paul has a well-established reputation in the commercial insurance marketplace for dependable, high-quality coverage and service. Among the company’s large, multilocation policyholders are national department store chains.             Wealth of opportunity exists in commercial insurance market               The St. Paul’s Commercial Lines Group provides property-liability products designed to meet the varied needs of commercial enterprises, from the sole proprietor to the large, more complex business. Customers choose The St. Paul for its high value service, expertise and insurance protection delivered through top quality agents and brokers working with experienced professional underwriters throughout the country. The company tailors its approach to the commercial marketplace by targeting the needs of specific market segments — large, middle and small. The St. Paul offers a variety of property-liability products and services that enable agents and brokers to assemble the right combination of insurance coverage to meet the specific needs of business customers. The company’s long-term commitment to the middle market and its strong reputation for solid claim service, valuable risk control advice and competitive pricing have made The St. Paul one of the leading national insurers serving America’s businesses. In 2002, small businesses will be a special focus for The St. Paul, which insures a broad spectrum of “Main Street” businesses with its proprietary Business Insurance Policy. The company will invest in its small commercial underwriting operations, because small businesses are the backbone of the U.S. economy and are the key driver of economic growth. The St. Paul’s goal is to act with the speed and responsiveness of a local insurance company, but offer the resources and financial strength of a national organization.