American Overseas Group Limited, through its subsidiaries, operates as a writer of non-standard auto insurance in Barbados and the United States. The company offers property and casualty insurance, including non-standard auto insurance through specialty managing general agents. It is also involved in reinsurance, which assumes and reinsures nonstandard auto business; and management services. The company was formerly known as RAM Holdings Ltd. and changed its name to American Overseas Group Limited in December 2011. American Overseas Group Limited was incorporated in 1998 and is based in Hamilton, Bermuda.