THE UNDERWRITING BY THE NIAGARA FIRE INSURANCE COMPANY OF THE FOLLOWING CLASSES OF INSURANCE: FIRE INSURANCE; MISCELLANEOUS PROPERTY INSURANCE; WATER DAMAGE INSURANCE; COLLISION INSURANCE; MOTOR VEHICLE AND AIRCRAFT INSURANCE; MARINE INSURANCE; MARINE PROTECTION AND INDEMNITY INSURANCE; REINSURANCE OF RISKS OF EVERY KIND OR DESCRIPTION, EXCEPT LIFE AND ANNUITIES; AND ON RISKS OUTSIDE OF THE UNITED STATES, ITS TERRITORIES AND POSSESSIONS, ALL KINDS OF INSURANCE, EXCEPT LIFE AND ANNUITIES