It has few branches. Few staff.
However it earns 2b in premium income with most coming from general.
There is something more interesting. Amana is consistently paying excessive amounts for reinsurance. It is transferring a lot of funds and the numbers don't show risk transfer.
400m in reinsurance with only 40m claims recovered
They are also spending 661m in operating non finance related expenses to run a small operation with majority low paid staff. This is almost the size of their claims which is 700m
So it seems Amana is not really useless. The real profit margin is closer to 20%