OneBeacon Insurance Group. (NYSE:OB) provides property and casualty insurance through independent agencies, regional and national brokers, wholesalers, and managing general agencies. Based in Minnetonka, Minnesota, the Company provides services primarily throughout the United States. Recently, OneBeacon has benefited from the emergence of new insurable markets and the increased quality of information collected for its predictive models. In FY2010, OneBeacon sold its personal lines business, an underperforming segment, to Tower Group and used the proceeds to reduce its long term debt. 
In FY2010, OneBeacon Insurance Group recorded revenues of $1688.5 million. The company's growth was a result of the growth in its specialty insurance lines. OneBeacon's specialty insurance lines are targeted towards niche businesses such as alternative energy, allowing OneBeacon to dominant the specific markets.
Havoc wrote once a very interesting blog post about data being more impnrtaot than source code. In fact, the GPL-3 should have given extra focus to the data freedom rather than just source.I've been bitten with locked in services with both Hotmail (which I started using BEFORE MS bought the company in the '90s), and Blogsome blog engine, who don't have a way to get your data out. And as we speak, I am doing the same mistake with Twitter.
As more relevant data is being collected from the Internet, Smart phone, personal sensors, and onboard monitoring devices, the property and casualty insurance industry gains more accurate inputs for predictive modeling. While OneBeacon has benefited from this improvement in data quality, its competitors have benefited as well. These new sources of data are one of the factors that are decreasing gross margins in the industry, as predictive models become more accurate and insurance firms compete more on price. 
OneBeacon competes with insurance firms who offer property and casualty insurance in the United States.