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. Today, Main Street America operates in 24 states and annually writes more than $815 million in premium.

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 six property-casualty insurance carriers, Main Street America partners with more than 1,500 independent agents to provide superior, personal service to more than 600,000 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.

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.

Great Lakes Casualty Insurance Company
Personal and commercial lines of business, as well as surety and fidelity bonds products are written with 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 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.