Editor's Note: Any reference to TheStreet Ratings and its underlying recommendation does not reflect the opinion of TheStreet, Inc. or any of its contributors including Jim Cramer or Stephanie Link. Two out of the three major indices are trading lower today with the Dow Jones Industrial Average ( ^DJI) trading up 26 points (0.2%) at 15,572 as of Tuesday, July 23, 2013, 12:50 PM ET. The NYSE advances/declines ratio sits at 1,636 issues advancing vs. 1,285 declining with 117 unchanged. The Insurance industry currently sits down 0.3% versus the S&P 500, which is down 0.1%. TheStreet would like to highlight 4 stocks pushing the industry lower today: 4. WR Berkley ( WRB) is one of the companies pushing the Insurance industry lower today. As of noon trading, WR Berkley is down $2.09 (-4.7%) to $42.53 on heavy volume. Thus far, 918,997 shares of WR Berkley exchanged hands as compared to its average daily volume of 631,600 shares. The stock has ranged in price between $42.22-$44.88 after having opened the day at $44.42 as compared to the previous trading day's close of $44.62. W. R. Berkley Corporation, an insurance holding company, operates as commercial lines writers primarily in the United States. The company operates in five segments: Specialty, Regional, Alternative Markets, Reinsurance, and International. WR Berkley has a market cap of $6.0 billion and is part of the financial sector. Shares are up 18.2% year to date as of the close of trading on Monday. Currently there are 2 analysts that rate WR Berkley a buy, 1 analyst rates it a sell, and 6 rate it a hold. TheStreet Ratings rates WR Berkley as a buy. The company's strengths can be seen in multiple areas, such as its revenue growth, good cash flow from operations, notable return on equity, increase in stock price during the past year and largely solid financial position with reasonable debt levels by most measures. We feel these strengths outweigh the fact that the company shows low profit margins. Get the full WR Berkley Ratings Report now. STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12-months. Learn more.