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About Our Company

Our Mission

Our mission is to provide the independent insurance agent with property and casualty insurance products and services for individuals, families and small businesses throughout “Main Street America.”

The Main Street America Group offers insurance exclusively through independent agents. Since 1923, we have partnered with independent agents to offer consumers a variety of important insurance coverages. Our continued commitment to consumers and independent agents has contributed to our sustained profitable growth. Main Street America currently offers property and casualty insurance in 37 states, surety bonds in 47 states and annually writes approximately $1 billion in premium.

We believe that independent agents offer consumers the best value when they are shopping for insurance. They represent several insurance companies and have a choice of which company to use for each policy. So consumers can trust that when their agents recommend our company, it is because they believe we offer the best protection possible.

Our Companies

The Main Street America Group started 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 Group Inc.

Based in Jacksonville, Fla., Main Street America offers a wide range of commercial and personal insurance, and fidelity and surety bond products to "Main Street" individuals, families and businesses. A.M. Best Company rates Main Street America as an "A" (Excellent). Main Street America is the founding company partner of Trusted Choice®, the global branding program of the Independent Insurance Agents & Brokers of America.

Through the following eight property-casualty insurance 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, 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’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 Main Street America, provides personal and commercial products in 19 Midwest and Western States.

Grain Dealers Mutual Insurance Company
An affiliate of The Main Street America Group, 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’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, an affiliate of Main Street America, 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.

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