Insurance Australia Group Limited is engaged in general insurance operations in Australia and New Zealand. The Company's segments include Direct Insurance Australia, Intermediated Insurance Australia and New Zealand. The Direct Insurance Australia segment provides personal lines and some commercial lines general insurance products to customers. Intermediated Insurance Australia segment provides commercial lines and some personal lines general insurance products, which are sold to customers through intermediaries, including brokers, authorized representatives and distribution partners. The New Zealand segment provides insurance products directly to customers, primarily under the State and AMI brands, and indirectly through insurance brokers and agents.