I think most of what they write are churches .. which is a saturated market place.
and I believe their capacity is pretty low .. I have been with Phly Insurance for 15 years now and usually I see them on the smaller risks ($1-2M in TIV, $2-3k in premium) which we do not want ($5k minimum on Churches at Phly) as opposed to the larger ones ($20-$50M in TIV) which is what we DO want.
But they do well with the smaller churches .. I think the bigger op would be the nursing homes as that market place for liability is pretty hard right now.