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The Main Street America Group was established in 1923 with the founding of National Grange Mutual Insurance Company (NGM), which was created to provide affordable insurance coverage to Grange Fraternity members in New Hampshire. In 2005, the mutual insurance company became NGM Insurance Company with the conversion to a mutual holding company structure and the formation of Main Street America Mutual Holdings Inc. The company also redomesticated to the State of Florida. Today, Main Street America offers property and casualty insurance products in 36 states, surety bonds in 45 states and the District of Columbia and annually writes more than $1 billion in premium.
Headquartered in Jacksonville, Fla., Main Street America offers a wide range of commercial and personal insurance products, as well as fidelity and surety bond products, to "Main Street" individuals, families and businesses. A.M. Best Company rates Main Street America Mutual Holdings Inc. with a financial strength rating of "A" (Excellent) and an issuer credit rating of “a+.” Main Street America is the founding company partner of Trusted Choice®, the branding program of the Independent Insurance Agents & Brokers of America, as well as one of six investor carriers in the independent agency system’s Consumer Agent Portal (CAP).
Through the following nine property/casualty carriers, Main Street America partners with more than 3,000 independent agents to provide superior, personal service to more than 650,000 policyholders:
NGM Insurance Company
NGM Insurance Company, a Florida-domiciled stock insurance company, is Main Street America's flagship carrier. A complete line of personal and commercial products and services are written with NGM for Main Street Americans throughout New England, the Northeast, Mid-Atlantic, Midwest, Southeast, Southwest and Pacific Northwest.
Old Dominion Insurance Company
Personal and commercial products in Georgia, as well as commercial products in Florida, are written with wholly owned Old Dominion Insurance Company. In addition, Main Street America’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, an affiliate of NGM, provides personal lines, commercial lines and commercial agricultural products in 15 Midwest, Southwest and Pacific Northwest states: Arizona, Idaho, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, North Dakota, Oregon, South Dakota, Utah, Washington and Wisconsin.
Grain Dealers Mutual Insurance Company
An affiliate of NGM, personal and commercial products are written through Grain Dealers Mutual in Indiana, Mississippi, North Carolina, Oklahoma, Tennessee and Virginia.
Great Lakes Casualty Insurance Company
Personal and commercial lines of business, as well as surety and fidelity bonds products are written with wholly owned Great Lakes Casualty Insurance Company in Michigan.
Main Street America Assurance Company
Property and casualty insurance business in 16 of Main Street America’s states is written with wholly owned 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, an affiliate of NGM, provides homeowners and farm owners coverages in Minnesota.
Main Street America Protection Insurance Company
Wholly owned Main Street America Protection has been licensed in Florida to provide commercial lines products in the Sunshine State.