State National Companies (SNC) is a specialty provider of property and casualty insurance services. They operate in two niche markets: Program Services and Lender Services. Program Services offers insurance fronting, allowing access to the U.S. market for specialty agents and reinsurers. Lender Services provides portfolio protection products like Collateral Protection Insurance (CPI) for financial institutions. Their target audience includes credit unions, banks, and specialty finance companies. The unique selling proposition is their comprehensive, cost-effective solutions with advanced technology and a strong reputation as a premier portfolio protection specialist. SNC is part of the Markel Group.