Skip to main content

Main Street America Insurance started in 1923 with the founding of National Grange Mutual Insurance Company (NGM) to provide affordable insurance to the Grange Fraternity members in New Hampshire. While the company has expanded from its humble beginnings, the core of Main Street America Insurance remains as it was 100 years ago — to invest in building real relationships and providing a confident and stable future through affordable and personalized insurance.

Headquartered in Jacksonville, Fla., Main Street America Insurance offers a wide range of commercial and personal insurance, as well as fidelity and surety bond products, to individuals, families and businesses throughout the United States.

The company writes more than $1.1 billion in annual premiums exclusively through independent insurance agents. Main Street America Insurance carries an "A" (Excellent) Financial Strength Rating, with a Stable Outlook, and "a+" Issuer Credit Rating from A.M. Best, the insurance industry's premier rating organization.

In 2018, Main Street America Insurance merged with American Family Insurance, the nation's 13th-largest property/casualty insurance group, becoming the enterprise's channel to distribute products through independent agents.

NGM Insurance Company

NGM Insurance Company, a Florida-domiciled stock insurance company, is Main Street America Insurance’s flagship carrier. A complete line of personal and commercial products and services are written with NGM for Main Street America Insurance throughout New England, the Northeast, Mid-Atlantic, Southeast and Southwest and West.

Old Dominion Insurance Company

Personal and commercial products in Georgia, as well as commercial products in Florida, are written with the Old Dominion Insurance Company. In addition, Main Street America Insurance’s Personal Auto MVP (Multivariate Program) rating model is written with Old Dominion in many of the states where the pricing model is offered.

Austin Mutual Insurance Company

Austin Mutual provides personal and commercial products in midwest and western states.

Grain Dealers Mutual Insurance Company

An affiliate of Main Street America Insurance, personal and commercial products are written through Grain Dealers Mutual in Indiana, Mississippi, North Carolina, Oklahoma, Tennessee and Virginia.

Main Street America Assurance Company

Property and casualty insurance business in 16 of Main Street America Insurance’s states is written with Main Street America Assurance Company.

MSA Insurance Company

Excess and surplus lines insurance for Florida commercial insureds is written through MSA Insurance Company, a South Carolina-domiciled stock insurance company.

Spring Valley Mutual Insurance Company

Spring Valley Mutual provides homeowners and farm owners coverages in Minnesota.

Main Street America Protection Insurance Company

Main Street America Protection has been licensed in Florida to provide commercial lines products in the Sunshine State.

Midvale Indemnity Company

An affiliated writing company of Main Street America Insurance.