Candy Embray, President
As the executive leader of both Main Street America Insurance and Commercial-Farm/Ranch at American Family Insurance since March 2025, Candy leads a team of more than 500 employees dedicated to operational commercial and farm/ranch underwriting, policy servicing, and high-quality customer and agent experiences.
Her expertise in sales and leading large teams combine with more than 20 years of progressively senior roles at American Family Insurance including Sales Vice President — East Region, Vice President of Sales and Service Operations, and Commercial Farm/Ranch President. A successful 15-year career in the retail industry preceded her joining American Family Insurance in 2001.
A passionate advocate for Inclusive Excellence, Candy serves as an executive sponsor for the Women’s Business Resource Group. She is deeply committed to mentorship, guiding individuals both within American Family Insurance and in the broader community. Candy is known for her encouragement and dedication to helping others realize and pursue their potential.
Candy resides in Kansas City, Missouri, with her husband, John, and their dog, Armani. She is an enthusiastic supporter of the Kansas City Chiefs.
Richard Vaughn, Head of Sales
In leading Main Street America’s Sales organization, he is accountable for overall sales strategy and distribution management, overseeing the company’s three sales regions as well as our sales effectiveness, brand marketing, and agency service and support functions.
Based in Charlotte, N.C., Richard brings deep experience in commercial underwriting, sales management, and executive leadership, built over a 25-plus year career in the property and casualty industry. Before joining Main Street America in 2022, he served as a vice president and head of specialty distribution at a large national carrier, where he advanced key partner relationships, drove distribution strategy, and established sales excellence practices across a diverse set of products and channels. In that role, he helped strengthen key agency/partner relationships and advance sales excellence practices to support profitable growth. Prior to that role, he advanced through progressively senior leadership roles within the carrier’s enterprise sales and distribution organization, including leading distribution management and overseeing multiple regional and divisional sales leadership teams.
Richard is passionate about partnering with independent agencies to maximize profitable growth opportunities, especially now as Main Street America continues to expand product offerings and introduce new technology to help independent agents better serve their customers in the Commercial Lines and Farm & Ranch business segments.
He is a graduate of the University of South Carolina, earning bachelor’s degrees in Finance and Insurance & Risk Management. He has also held the Certified Insurance Counselor (CIC) designation since 2008.
