Arlington Roe logo_SM.png






Our Values

We always do what is right for our members, customers, employees, and local communities.

  • We operate with honesty, integrity, and transparency in all we do.
  • We are good stewards of the assets entrusted to us.
  • We advocate for and have impact on issues that affect our members and customers.
  • We provide opportunities for employees to grow and develop in a performance based environment.
  • We embrace change and diversity.
  • We are socially responsible in our communities.

Our Businesses

Motor Club

  • 4.7 million roadside assistance calls annually serviced by 5 call centers, 1,600 independent service providers, 19 club-owned fleets, and 2 Club Assist dedicated providers
  • More than 430 travel agents generating over $546 million in annual sales, producing  $67 million in revenues
  • Robust network of Approved Auto Repair, Total Repair Care, and AAA-branded Car Care Plus facilities across nearly 650,000 square miles of territory.

Property & Casualty Insurance

  • Three brands
    • AAA for the motoring public
    • Meemic for educators and their families
    • Fremont - independent agent focus
  • Joint ventures with ACE in Southern Florida, KY, OH, PA, and WV
  • Over 2 million vehicles and 900,000 homes insured through a network of independent agents, employee agents, and exclusive agents.

Life Insurance

  • Sold through more than 100 employee Life Specialists, Captive, EA, Independent Agents and Direct through AAA Life Insurance Company.
  • Compliments our other offerings with strong and competitive life insurance and annuity products that also promote retention.
  • Part owner of AAA Life Insurance Company.

Banking / Financial Services

  • Only AAA club with a federal banking charter offering financial products to members and non-members within The Auto Club Group territory. Products include checking, savings, Certificates of Deposits account and auto, personal and home loans.
  • The Auto Club Group partnered with U.S. Bank to launch the new AAA Dollars MasterCard program in October 2015, providing 2 great new products to AAA members.
The Auto Club Group
President & CEO
Joseph J. Richardson
Burnsville, Minnesota
"A-" (Excellent)

Serving Independent Agents Since 1964

“Ruth, I quit my job” are the words that began the legacy Arlington/Roe celebrated at the company’s 50th anniversary Stakeholder Ball in August of 2014.  In 1964, with five children to support, Jim Roe’s father, Francis, made the decision to start a family-owned insurance business. Today, Jim and Vickie Roe are honored that three of their children, Andy, Patrick and Katie Roe Weiper, chose to join, nurture and grow the family business. 

Our Values
Individuality is valued and contributes to success
Arlington/Roe attributes success to:

  • Careful selection and professional growth of our people
  • Caring relationships with customers and suppliers
  • Diversification of product lines in a changing environment
  • Involvement in preserving and advancing the insurance industry and Independent Agency System
  • A culture anchored in trust, the Golden Rule and the development of stakeholders

Our Growth in Numbers
We value quantity but quality is our benchmark
2005   $100 million in premium
2015   Projected $200+ million   
  170   Committed associates
  200   Select markets
      7   State offices: IN, IL, MI, OH, KY, TN, MN

Our Practice Areas
Providing markets, expertise and relationships
Commercial Binding & Brokerage
Medical Professional
Personal Lines
Professional Liability
Transportation & Garage
Workers’ Compensation

Our Expansion into Minnesota
Valued relationships have always spurred our state expansions
Arlington/Roe welcomed Minnesota insurance professionals Cindy Larson and Cindy Kurtz to champion Arlington/Roe’s Upper Midwest expansion into Minnesota. We value their reputations, commitment and expertise. 

In 2013 MIIAB selected Arlington/Roe to serve as the broker and administrator of their Workers’ Compensation program. And, through MIIAB and a national Big ‘I’ endorsement, Arlington/Roe offers members agency E&O and cyber liability insurance.

With a strong foundation and a bright future, in 2015 we committed to office space at 2 Carlson Parkway near the Carlson Company twin tower complex.  We have developed a plan for local staff expansion. Our staff spearheads service to Minnesota agents, complemented by the expertise and capabilities from all of our offices.

When you see our name at events, please spend time with us. Or simply call to learn more. Mark Maurer, VP Marketing out of Michigan, assists Cindy Larson in building our agency partnerships. All associates can be reached at 800.878.9891.  Learn more about our team in Minnesota in the people and bulletin sections of our website www.Arlington/

We look forward to providing quality service and products to Minnesota independent insurance agents for years to come.

James A. Roe, CPCU
Indianapolis, IN
Minneapolis, MN
Senior Broker
Cindy Larson
Cindy Kurtz
Vice President
Mark Maurer


Austin Mutual Insurance Company, a member of The Main Street America Group, continues to provide great opportunities for its appointed independent agents throughout Minnesota.
Austin Mutual is focused on expanding its commercial lines, personal lines and bonds market share in Minnesota. Austin Mutual’s personal lines product suite includes private passenger auto, homeowners, umbrella, and dwellings. Austin Mutual’s commercial product suite features the robust Main Line Business Owners Policy (Main Line BOP), which includes their new cyber risk coverage, as well as tiered commercial auto, commercial umbrella, and an expanded workers’ compensation program. Their bonds product offerings include fidelity and commercial surety bonds.
"Austin Mutual has a strong franchise and sustained track record of success in the Minnesota marketplace. We are focused on continuing to profitably grow our personal lines and commercial lines books in the state,” said Tiffany Daly, the company’s Western Region president. Tiffany added, “We are experiencing steady growth in several of our hottest Contractors classes (Carpentry, Lawn Care, Landscaping, Painting, Electrical, Heating, Masonry) and many of our Main Line Business Owners Policy (Main Line BOP) programs are also fueling growth in Minnesota. We are very confident these sectors will help drive mutual profitable growth for our company and our agent-customers this year.”
Austin Mutual has been meeting the insurance needs of Minnesota individuals, families and businesses since 1896. Much like Austin Mutual, Main Street America’s rich history began nearly a century ago when the company was established to provide auto liability insurance to members of the Grange Fraternity in New Hampshire.
Austin Mutual and Main Street America remain 100 percent committed to the independent agent as their sole distribution channel.  In fact, Main Street America is the founding company partner of Trusted Choice® and the agency referral site. In 2013, Main Street America was honored with the "2013 Award of Excellence" from the MIIAB for its commitment to Minnesota and independent agents.  Twin Cities suburb Maple Grove is headquarters for Austin Mutual and Main Street America’s Western Region.
Main Street America and Austin Mutual carry an "A" (Excellent) Financial Strength Rating and “a+” Issuer Credit Rating from A.M. Best.
Main Street America and Austin Mutual are very well-positioned for future growth. The organization annually writes nearly $1 billion in premium, has $1.07 billion in surplus and more than $2.4 billion in total assets.
To represent Austin Mutual   in your local market, and capitalize on their financial strength and solid Minnesota presence, please visit and click on the "Become a Main Street America Agent" link.


Main Street America
Western Region President
Tiffany Daly
Maple Grove, MN
"A" (Excellent)



Auto-Owners Insurance Company, based in Lansing, Michigan, has been providing protection to its policyholders since 1916. Auto-Owners serves nearly 3 million policyholders in its 26-state marketing territory, providing a full line of property and casualty and life insurance products.

Auto-Owners entered Minnesota in 1945 and has been a strong presence in the state ever since. The company has an underwriting branch in Lake Elmo and claims offices in Lake Elmo, Rochester, St. Cloud and Willmar.

Auto-Owners also has nine marketing representatives in Minnesota to service the 452 independent agencies that represent the company. The marketing representatives visit agents regularly and most have backgrounds in either underwriting or claims, which enhances their marketing knowledge. Auto-Owners markets its products exclusively through independent agents.

Auto-Owners prides itself on its financial stability and its claims service. The company has been rated A++ (Superior) by A.M. Best 25 consecutive years, and has earned its highest rating every year since 1972. The Auto-Owners Life Insurance Company has been rated A+ (Superior) by A.M. Best every year since 1976. And for 15 consecutive years Auto-Owners has been listed among the Fortune 500, ranking 398 in 2017.

"Auto-Owners is proud to have received A.M. Best's highest rating for the past 45 years," said Jeff Harrold, chairman and CEO, Auto-Owners. "This recognition reflects the company's safe, sound, secure philosophy, which has been consistent throughout our 100-year history."

In regards to claims service, Auto-Owners consistently garners high rankings from consumer publications, and from J.D. Power. In 2015 the company was once again ranked as "Highest in Customer Satisfaction with the Auto Insurance Claims Experience."

With over $6 billion in net written premium in 2016, Auto-Owners is the 17th largest property and casualty insurer in the country. The company boasts more than $21 billion in combined assets, and its surplus is $9.6 billion.

Auto-Owners Insurance
Regional Vice President
Barry Preslaski

Lansing, MI


"A++" (Superior)





Light Manufacturers
You make it. Let us protect it.
EMC Insurance Companies offers a full range of commercial insurance products for the light manufacturing of metal goods, wood products, furniture and fixtures, plastics, rubber goods, textiles, and electronic equipment and accessories. We provide key coverages such as product withdrawal expense and extended property damage for property in the care, custody or control of a manufacturer. With a variety of coverage options, including manufacturer’s errors or omissions, data compromise and employment practices liability, you’re sure to find the right insurance coverage for your clients. EMC can also help your manufacturing clients control losses with tailored suggestions and solutions for ergonomics, slip and fall prevention, hazard control assessment and injury management.
Smart Protection for Water Well Drillers
EMC’s Water Well Drillers Program provides policyholders with property, inland marine, liability, business auto, umbrella and workers’ compensation. A key coverage provided for these specialty contractors is well drillers equipment coverage, which covers the cost of unrecoverable well driller’s equipment or expenses to extract equipment from below the ground as a result of mechanical breakdown. Limited pollution coverage is also available at water well drilling work sites.
About EMC Insurance Companies
EMC Insurance Companies was incorporated in 1911 to provide worker’s compensation coverage to Iowa manufacturers and now EMC offers commercial and personal lines insurance, excess and surplus lines, bonds, life insurance products through EMC National Life Company (affiliate) and writes reinsurance contracts worldwide. Policyholders can Count on EMC® for our proven loss control services.
The EMC Minnesota Branch has steadily grown in premium dollars and personnel since opening in 1942. With an experienced staff of local underwriting, claims, marketing and loss control professionals, we are a full service branch office.
After operating out of the Minnetonka location for almost 39 years, the EMC Minneapolis Branch opened a new office in Eden Prairie, Minn., on May 18.
You can find us at:
EMC Insurance Companies
Minneapolis Branch
11095 Viking Drive, Suite 230
Eden Prairie, MN 55344
EMC Insurance Companies
Minnesota Resident Vice President
Jerry K. Harlow, CPCU, AU
Eden Prairie, MNden Prairie, MN
"A" (Excellent) Stable Outlook


About Foremost
Foremost was founded in 1952 to insure manufactured homes and a few years later created the first travel trailer policy. The company grew from there, excelling in insurance for specialty products. In 2000, Farmers Insurance Group, Inc., the third largest insurer in the nation, purchased Foremost, bringing them into the Farmers family of companies. In 2011, the company began marketing auto insurance under the Foremost brand and added commercial lines to the robust Foremost portfolio in 2013. Foremost now offers business insurance products for a wide range of small businesses.

Robust Product Offering
Foremost offers a full line of Personal Lines products, including Manufactured Home, Auto, Motor Home, Travel Trailer, Luxury Motor Coach, Specialty Homeowners, Vacant Property, Seasonal Property, Landlord and Rental Property, Motorcycle, Off-Road Vehicle, Snowmobile, Boat, Personal Watercraft and Collectible Auto.

Foremost also offers a suite of Small Business products including: Commercial Auto, Workers’ Compensation, Umbrella and a full range of Business Owners Policies including Office, Retail, Wholesale and many more.

Financial and Market Stability
Foremost is part of the most stable, longstanding and well- recognized group of companies in the industry. The company has a history of growth and financial stability, as demonstrated by its excellent A.M. Best “A” rating. Foremost is the leading insurer of manufactured homes in the country.

Superior Claims Service and Customer Care
Every Foremost policy is serviced when needed with quick, responsive claim handling. In the event of a catastrophe, Foremost adjusters are often on the ground at disaster sites before other insurance companies arrive. Foremost quickly and thoroughly tracks the claim situation as it unfolds and delivers on-site presence to expedite claim handling and to provide excellent customer assistance. Claim service is available 24 hours a day, seven days a week, including holidays. Customers can file a claim easily and trust that the highest level of service is delivered…from the smallest fender-bender to putting the pieces back together after a storm.

Discounts Save More
Foremost offers many customer discounts. The opportunity for savings increases when combining multiple Foremost lines and discounts. Some discounts include:

  • Multi-policy
  • Multi-vehicle
  • Multi-property
  • Prior Insurance
  • Paid-in-full
  • Advance Quote
  • Electronic Funds Transfer (EFT)

Foremost offers many more discounts for specific products, including discounts for taking a safety course or being a member of an affinity group. (Discounts vary by state and product and may require proof of eligibility for customers to qualify for certain discounts.)

Commitment to Independent Agents
Foremost appreciates the unique aspects of Independent Agencies and the need to provide products, processes and systems that match up to the way you do business. The company's commitment is to provide one of the broadest product suites in the industry to meet your customers’ needs, a focus on profitable growth and easy-to-use online platforms for business transactions.


Foremost Insurance Group President
Steve Boshoven
"A" (Excellent)

Free ice cream doesn’t seem like it has much to do with the business of insurance. But it does have to do with employee satisfaction, which is at the very top of the to-do list of Grinnell Mutual Reinsurance Company’s president and CEO Larry Jansen.

Grinnell Mutual employs about 750 people, two-thirds of whom work in the company’s headquarters just south of the city of Grinnell. It is the country’s 114th largest property and casualty company.

“Our employees are our most valuable asset,” Jansen said. “We want them to enjoy working here.” Happy employees are a big part of Grinnell Mutual’s success and free ice cream is only one small perk. Larger scale perks include a free on-site health clinic and fitness center, myriad educational opportunities, employee referral bonuses, paid wellness and volunteer time off, and many others.

The company’s investment in its employees and in personal, customer-centered service for its member mutuals, agents, and policyholders has paid dividends. 2015 marked another record-breaking year in terms of underwriting results and surplus growth, the latter of which surpassed the half-billion-dollar mark. Total assets topped $1 billion last year.

Grinnell Mutual has earned an A rating from A.M. Best since 1991; has been named an Iowa Top Workplace for five consecutive years; and was recently named to Ward’s Top 50 Property and Casualty companies. The 1,600 independent agents in Grinnell Mutual’s writing territory offer a full line of personal and commercial property and casualty products such as auto, recreational vehicle, farm casualty, small business, crop hail, and more.

Grinnell Mutual also provides reinsurance protection and services to 250 partner farm mutual insurance companies, and is the largest primary reinsurer of farm mutual companies in North America. “We play a significant role in protecting the financial security of home and farm owners, and we pride ourselves on being there for our customers at their most difficult times,” Jansen said.

Grinnell Mutual’s future looks brighter than ever and we’re always looking for great employees who value a family environment and who always put the customer first. Learn more about Grinnell Mutual at


Grinnell Mutual President & CEO
Larry Jansen
Company Headquarters
Grinnell, IA
"A" (Excellent)


More Than A Company®
Nationwide started out in 1925 helping farmers in Ohio get the best value for car insurance. A few years later, Allied Mutual Automobile Association was founded in Des Moines, Iowa. While Nationwide expanded East, Allied expanded West and in 1998, Allied merged with Nationwide.

Today the company is 91st on the list of FORTUNE 100 companies. With a
presence in all 50 U.S. states, and a diverse portfolio that makes us strong and
stable, Nationwide proudly protects what’s important to members, and helps
America prepare for, and live in, retirement.

Nationwide is rated A+ by both A.M. Best and Standard & Poor’s.

As one of the largest and most diversied insurance and nancial services
organizations in the U.S., we’re able to provide a full range of insurance and
nancial services:

Nationwide values long-standing relationships. Our members and agents are at
the center of what we do. We understand what agents need and we’re committed to giving you the tools and support you need to grow your agency.
Nationwide is On Your Side.

11,000+ Property and Casualty Agencies

Fortune 100 Best Companies To Work For

J.D. Power and Associates High Satisfaction Auto and Homeowner Claims

Uliano Photo_High Res_sm.jpg
Sales AVP, Midwest Region
Brian Uliano
Columbus, OH
Branch Office
Des Moines, IA

"A Personable Company – Keeping You on Course"

North Star Mutual is a Minnesota based regional insurance carrier specializing in Farm, Home, Auto and Small Business Insurance Products. Today the company writes $390 million in premium and insures over 300,000 policyholders across six states. All business is written through a network of more than 1,500 independent agency partners located throughout the operating territory.

“Independent Agents have built our company and are vital to our success,” said Jeff Mauland, President and CEO of North Star Mutual. “We are committed to our agency partners who are in the best position to meet the needs of their policyholders. We support the Minnesota Agent Association, not only for their work to provide many benefits to agent members, but also for their strong support and promotion of our industry.”

Uniquely located in the small farming community of Cottonwood, North Star prides itself on its rural values and personable service. The company is the top Farm writer in Minnesota, working in partnership with township mutuals across the state. North Star has been a recognized leader in the agricultural insurance market and has had a historic emphasis on insuring farm and rural properties in the Upper Midwest.

“We have many excellent, long term relationships with our agents and are grateful for the outstanding support we have received over the years,” said Jeff Mauland. “Our rural location provides us with a very experienced, dedicated and caring staff which, combined with user-friendly technology, are keys to our success.  Agents appreciate and value our consistency in claims handling, product and policy service.” Agents Meetings and Advisory Councils are also held each year to stay current on issues important to agents.

North Star is proud of its financial stability and strong commitment to serving agents and policyholders. The company is rated A+ Superior by A.M. Best and in 2016, was again selected as a Ward’s Top 50 Property/Casualty Insurance Company for the 12th consecutive year. North Star looks forward to its continued commitment of working closely with its agency partners in the years to come.

North Star Mutual 
President & CEO
Jeff Mauland, CPCU
Cottonwood, Minnesota
"A+" (Superior)


Company Information

Throughout our more than 75 years in business, we've learned that the needs of independent agents are as diverse as agents themselves--and we've grown by meeting the changing needs of more than 37,000 agents and their customers every day.

We built our company as a go-to for under-served segments. Over time, we've earned agents' trust as the number one carrier for a broad range of personal auto risks, as a specialized offering for your RVers, boaters, bikers, and business owners, and more recently, as a destination for your most complex bundled households.

We help agents keep their promises by always keeping ours, operating consistently from our Core Values and delivering intuitive technology, claims and service excellence, marketing support for their local brand, and a national name customers know and trust.

We're proud to serve independent agents by making insurance a little better every day, and we're proud to have independent agents like you representing our brand in your community.


Progressive Benefits and Services

Superior Claims Service –  we work with customers throughout the entire claims process to provide fast and fair service. With Service Centers located across the country, we provide a one-stop-shop for getting drivers back on the road quickly after an accident. Additionally, customers can get a claim started anywhere, anytime through our mobile app.

Availability – 24 hours a day, seven days a week we're here to answer questions and service customers' policies.

Competitive Rates – through a variety of discounts and programs we offer your customers ways to save and personalize their rate, like our usage-based insurance program Snapshot®, we offer a way for customers to personalize their rate. 

Breadth of products – no matter your customers' needs, from simple to complex, we have the products and coverages to cover their needs. We offer personal auto, motorcycle, boat, RV, homeowners, renters, commercial auto and more.

Interested in becoming a Progressive agent? Visit for more information.

Not all programs, discounts or products are available in all states.


Tricia Griffith

John Sauerland

Pat Callahan

John Barbagallo

Mayfield Village, OH

"A+" (Superior)


West Bend: The Silver Lining®

West Bend supports, and wholeheartedly endorses, a strong independent agency system.

Our agents are our partners, as well as our primary customers. More than 1,500 independent insurance agencies offer West Bend's products; many of them sell $1 million or more in West Bend premium each year. Agents prefer West Bend for many reasons, including relationships that foster trust and respect, fast service, and extensive training and education programs.

Our agency training and education programs are offered at our spacious Prairie Center. Special sales and service programs provide opportunities for agents to participate in a more extensive training experience.

West Bend's associates are the driving force behind our success. Whether it's processing claims quickly and efficiently or finding the best coverages for businesses and homeowners, our associates do all they can to provide you and your customers with the Silver Lining®. We pride ourselves on accessibility at every level of the company. From senior management, to underwriting, claims, and billing, you won't find a more dedicated, personable, and caring group of people.

Our product offerings are well-rounded and diverse. Our Home and Highway® personal lines package is an industry leader. We specialize in writing most businesses you'd find on your Main Street. Through NSI®, we write risks not typically written in the standard market. Contract and surety bonds are easy to quote and issue.

The West Bend Independent Agents' Fund was established in 2006 for nonprofit organizations supported by the independent insurance agents who represent the company. Grants from the fund are aimed at improving these organizations and the lives of those served by them. The Spirit of the Silver Lining® Award honors those agents and nonprofit organizations for their dedication to providing a silver lining to those in need. In 2017, West Bend presented Spirit of the Silver Lining Awards and more than $90,000 to seven non-profit organizations. Today, grants from the Independent Agents' Fund total more than $1.1 million.

West Bend
President & CEO
Kevin Steiner
 West Bend, WI
“A” (Excellent)


Western National Insurance Group, headquartered in Edina, is a group of property-and-casualty insurance companies providing personal and commercial coverage plus surety in 19 states across the Midwestern, Northwestern, and Southwestern United States; and surety-only in another 7 states. From the Group’s roots as a fire insurer for Minnesota’s creameries and cheese factories, to its current role (over 115 years later) as a super-regional insurer for individuals, families, and businesses, Western National continues to focus on building quality relationships with its agency partners, policyholders, and local communities. Western National distributes its products exclusively through professional Independent Insurance Agents.
“At Western National, we believe working exclusively with Independent Insurance Agents provides the best possible insurance product for our mutual policyholders,” said Stuart Henderson, President and Chief Executive Officer of the Western National Insurance Group. “It’s the mix of coverage, strong relationships, expertise, and choice that only an Independent Agent can provide that makes us proud to call it our sole distribution system. We are proud to partner with the MIIAB now and in the years to come.”
While Western National is focusing on the future, the Group is also taking time to celebrate its recent successes. In the past year, Western National had its A.M. Best financial strength rating (A, Excellent) affirmed with a “Positive” outlook, was recognized once again as a Ward’s Top 50 Benchmark Group of top-performing U.S. property-and-casualty companies (its tenth time in the past eleven years), and was named a Top Workplace by the Star Tribune for the fifth year in a row. Western National also received an Innovation Award from the Customer Experience Professionals Association (CXPA) for its customer service training program. Supporting those accolades were a strong business plan and the continued hard work of employees and agency partners, which resulted in growth of the Group’s policyholder surplus to $390 million. 
This year, Western National is continuing its focus on growth and customer experience. The company recently rolled out a new TV advertising campaign to further build awareness of its brand and support the mutual growth of the company and its agency partners. Western National is also developing its analytics system, making enhancements to Personal Lines rating, and updating the interface for its AgentsOnline systems — all of which will continue to enhance the user experience for its agents and policyholders.


Western National Insurance Group
President & CEO
Stuart Henderson, J.D., CPCU
Edina, MN
“A” (Excellent)