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Diamond Partners

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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, 17 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 the Automobile Club of Southern California in 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’s AAA Dollars® Mastercard® program offers two credit card products that each provide valuable benefits to AAA Member cardholders.
The Auto Club Group
President & CEO
Joseph J. Richardson
Burnsville, Minnesota
"A-" (Excellent)

Arlington/Roe is a family-owned managing general agency and wholesale insurance brokerage serving Independent Agents since 1964.

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
2010   $112 million in premium
2021   $230 million in premium    
  190   Committed associates
 200+   Select markets
       9   Core States: IN, IL, MI, KY, OH, MN, MO, TN, WI
     50   State Licenses

Our Practice Areas
Providing markets, expertise and relationships

Commercial Binding
Commercial Brokerage
Healthcare & Human Services
Personal Lines
Professional Liability
Transportation & Garage
Workers Compensation

James A. Roe, CPCU
Indianapolis, IN
Minneapolis, MN
Senior Broker
Cindy Larson
Underwriter, Commercial Lines
Holli Lynch
Vice President & General Counsel
Rick Pitts


Auto-Owners Insurance Company, based in Lansing, Michigan, has been providing protection to its policyholders since 1916. Auto-Owners has over 3 million policyholders in its 26-state marketing territory, providing a full line of property & 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 and a marketing manager in Minnesota to service the 458 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 was ranked the best commercial lines carrier in a national survey conducted by National Underwriter Property & Casualty magazine in 2018. The survey, which was distributed to the PIA’s national membership, placed Auto-Owners first in six of 10 evaluation factors in determining the best carriers in the nation.

Auto-Owners prides itself on its financial stability and its claims service. The company has been rated A++ (Superior) by AM Best every year since 1992, 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 18 consecutive years Auto-Owners has been listed among the Fortune 500, ranking 320 in 2020.

Auto-Owners received the 2017 Company Award of Excellence from the National Association of Professional Insurance Agents (PIA). “Auto-Owners is highly deserving of this, our association’s highest company honor. PIA National President Gary Blackwell said. “For independent agents, Auto-Owners is a true partner.”
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.”

Auto-Owners Insurance
Regional Vice President
Kait Keller AU, AINS

Lansing, MI


"A++" (Superior)





About EMC Insurance Companies
Founded in 1911, EMC Insurance Companies is financially solid, built on more than 100 years of serving policyholders and independent insurance agents. Today, EMC employs more than 2,400 employees in 19 locations across the country, is in the top 60 property/casualty organizations in the United States based on net written premium and is rated A (Excellent) by AM Best with a stable outlook.
EMC’s mission is to grow profitably through partnership with independent insurance agents and to enhance the ability of our partners to deliver quality financial protection to the people and businesses we mutually serve.  Our brand promise, Count on EMC, represents the core values upon which EMC Insurance Companies has built its reputation. Since 1911, policyholders, agents and employees have come to Count on EMC for comprehensive protection, superior service and financial security.

The five EMC values are the essence of our company's identity. These are the beliefs we operate by that create our corporate culture. Keeping these values in mind while working with fellow employees, agents and policyholders enables us to fulfill our company mission.

  • Honesty & Integrity—We gain the confidence and trust of others easily through honesty, integrity and authenticity.
  • Customer Focus—We build strong customer relationships and deliver customer-centric solutions.
  • Collaboration—We build partnerships and work collaboratively with others to meet shared goals.
  • Innovation—We create new and better ways for EMC to be successful.
  • Driving Results—We consistently achieve results, even under tough circumstances.

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, audit and loss control professionals, we are a full-service branch office that values the local relationships we have with our agency partners. 

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, MN
"A" (Excellent) Stable Outlook


Grinnell Mutual has been protecting its customers for 110 years, offering auto, home, farm, and business insurance. We are the 111th-largest property-casualty insurance company in the United States and the largest primary reinsurer of farm mutual companies in North America. Our products are available in 19 states. The company is headquartered in Grinnell, Iowa, and has an office in West Des Moines, Iowa.

Our mission and our core values focus on cultivating trusted relationships with our customers, agent and mutual partners, communities, and more than 800 employees. That's good business and a big part of why we're a Ward's Top 50 company and have been voted an Iowa Top Workplace by our employees for eight consecutive years.

With more than 1,700 independent agencies, Grinnell Mutual offers a full line of personal, commercial, and casualty products including auto and recreational vehicles, farm and home, liability, small business coverage, workers' compensation, and more.

Grinnell Re, a division of Grinnell Mutual, provides reinsurance protection and services to more than 240 farm mutual insurance companies and is currently expanding its offerings into a broader reinsurance marketplace.

At Grinnell Mutual we're not waiting for disruption we're working to get ahead of it. To ensure continued growth and to stay competitive in an ever-changing marketplace, we're in the middle of a multi-year process of upgrading and integrating our technology. And we're investing in other companies' great technologies, too, through the Global Insurance Accelerator and the Iowa AgriTech Accelerator.

Grinnell Mutual looks forward to what tomorrow holds. We are always looking for great employees who value a progressive workplace, strong values, and who always put the customer first.

Find out more about Grinnell Mutual at


Grinnell Mutual President & CEO
Jeff Menary
Company Headquarters
Grinnell, IA
"A" (Excellent)


About IMT
IMT is proud of our heritage and will never forget where our roots are firmly planted. Locally run from its home office in West Des Moines, Iowa, IMT has been a Midwest company since it was founded in Wadena, Iowa in 1884. That’s more than 130 years!

Today, IMT continues to offer the strong line of personal and commercial insurance products for which it has always been known, along with exceptional service for a competitive price. Our products are offered through Independent Agency locations throughout our six-state territory – Iowa, Illinois, Minnesota, Nebraska, South Dakota and Wisconsin.

While we are proud of our past, we are also proactively planning for the future. We are an insurance company advanced in automation and have won awards for our innovative technology.

As a Mutual Holding Company, IMT Insurance is owned by our policyholders. Unlike other insurance companies, we do not answer to stockholders. Instead, we do things the IMT Way – recognizing what is best for our policyholders, agencies, mutuals, and employees. We are committed to providing you peace of mind for many years to come!

IMT Values
The success of IMT Insurance is attributed to our culture; the heart and soul of our company deeply defined by our values. Our values are the principles that guide consistent behavior, conduct, decision-making, and actions.

  • Trust
  • Relationships
  • Collaboration
  • Innovation
  • Professional Development
  • Engagement

For more information about IMT Insurance, visit​.  

IMT Insurance
President & CEO
Sean Kennedy, FCAS, MAAA, CPCU

West Des Moines, IA


A (Excellent)


"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. The company, formed in 1920, celebrated its 100th Anniversary last year. Today the company writes approximately $475 million in premium and insures over 345,000 policyholders across eight states. All business is written through a network of more than 1,500 independent agency partners located throughout the operating territory.

“North Star Mutual uses the Independent Agent exclusively in our distribution system," said Pete Hellie, President. “We highly value these partnerships with our agents. They play an important role in serving as the risk management consultant for their customers and initial frontline underwriters for North Star."

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.

The past year brought on a new set of challenges with the Covid-19 pandemic having a major impact on how we all live our daily lives. In response to reduced driving habits, North Star Mutual began offering a 10% “Stay at Home" Discount on auto policies, which will run through May 31st 2021. About half of North Star's staff continue to work remotely.

“Our goal is to continue to respond to claims and meet the ongoing needs of our agents and policyholders while doing what we can to support the health and safety of our staff and community," said Pete Hellie, “We hope to continue our in-person agent advisory councils in the fall and resume our spring agent meetings in 2022. These open lines of communication are so valuable and allow us to keep up with the issues agents face every day."

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 2020, was selected as a Wards Top 50 Property/Casualty Insurance Company for the 16th 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
Pete Hellie, CPCU, AINS
Cottonwood, Minnesota
"A+" (Superior)

Main Street America Insurance continues to provide great opportunities for its appointed independent agents throughout Minnesota.
Main Street America Insurance is focused on expanding its commercial lines, personal lines and bonds market share in Minnesota. Main Street America Insurance’s personal lines product suite includes private passenger auto, homeowners, umbrella, and dwellings. Main Street America Insurance’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.
"Main Street America Insurance 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.”
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.
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 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 is 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 Main Street America  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)


Company Information

Since 1937, weve grown into the third-largest auto insurer in the country and the largest personal auto insurer by written premium among independent agents. In addition, weve worked to become the No. 1 commercial auto, motorcycle, and specialty RV insurer in the U.S. We also have an A+ (Superior) rating for auto and an A (Excellent) rating for home from A.M. Best, an independent U.S.-based insurance rating agency.

We offer breadth of product, easy-to-use technology, stability, and insights and tools that you can leverage to build your books of business how you see fit. With our Paths to Partnership program, featuring our National Personal Auto Commission Schedule that pays higher commissions as you place moreand more profitablebusiness with us, were ready to help you grow your bottom line. Plus, as you keep growing with us, you can qualify for our partner programs: Progressive Priority focusing on your auto business or Progressive Platinum for your preferred home-and-auto bundles. More choices and more rewards await those agents who choose to do more business with us, including additional bonus opportunities and other complimentary marketing and sales benefits. 

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

Progressive Benefits and Services

Breadth of Product
From simple to complex, we have the products and coverages to cover your customers needs. We offer personal auto, motorcycle, boat, RV, homeowners, renters, commercial auto and more. 

Technology and Ease of Use
Throughout our history, we've pushed the independent agent channel forward with easier and faster ways to quote business, and breakthrough segmentation that keeps agents ahead of the competition.

We help you meet consumer needs by providing online and mobile technologies that today's customers expect from businesses.

Look for our new, all-in-one FAO Portfolio quoting system to arrive in your state soon. With automatic data-fill, integrated multi-product quoting, and the namesake Portfolio page that shows a detailed overview of all your customers quoted products, its like an online insurance shopping cart designed to make quoting easier and faster than ever.

Stability and Choice 
Our commitment to underwriting profit and low-cost operations provides quality coverage for all risks at a consistently competitive price. Through a variety of discounts and programs, we offer your customers ways to save and personalize their rate, like with our usage-based insurance program Snapshot.

Progressive's agency business is as big as it's ever been, and we continue to make significant investments to support your long-term, profitable growth all while providing 24/7 countrywide customer and claims service.

Insights and Tools 
We've built our business with agents, and after 80 years we're just as committed as we've ever been.

We use our experience, insights, and scale as a market leader to continuously improve our products and deliver business-building tools that fuel agent success.

Learn more about how were helping independent agents grow profitably at

Not all programs, discounts or products are available.


Tricia Griffith

John Sauerland

Pat Callahan

John Barbagallo

Mayfield Village, OH

"A+" (Superior)



Safelite AutoGlass

With more than 7,800 MobileGlassShops™ and stores in all 50 states, Safelite AutoGlass® is the nation's largest provider of vehicle glass repair, replacement and recalibration services. Last year, close to 7 million customers chose Safelite AutoGlass for its 24/7 national contact centers, advanced online scheduling, superior repair and replacement systems, and the industry's only nationwide lifetime guarantee.

Safelite AutoGlass is a member of the Safelite® Group family of brands, which together make a difference in the lives of nearly 11 million customers annually. This leading service organization, founded in 1947, is reaching record growth thanks to its People Powered, Customer Driven strategy. The Columbus, Ohio-based company employs over 16,000 people across the United States


Tom Feeney

Geoff Brubaker
Bill Merchant

Wayne Shimer

Columbus, OH



In 1997 a group of construction companies got together and decided to do something about the out of control state of worker’s comp insurance. The plan was simple, join together to create a self-insured worker’s comp fund based on the principle that if responsible people, acted responsibly — everyone would win. Today, over 20 years later, that idea has grown to become the premier self-insured fund in Minnesota with hundreds of members for the construction industry. The fund has weathered the ups and downs in the construction industry through strong leadership and the value of its member partnerships –– while continuing to add services, training, innovation and financial security.

The 4 Pillars of TBG

Pay-As-You-Go premiums help free up cash flow because your premium due is based on the previous month’s actual payroll. This allows our members to make payroll, cover fixed expenses, purchase materials, pay subcontractors, vendors and respond to unforeseen issues quickly as opposed to pre-paying the insurance company. This is making workers’ comp work for you.

Our proactive approach to claims management delivers personal, compassionate attention — helping injured workers get the right care at the right time and return to work as soon as possible without sacrificing quality of care. As a self-insured and member-owned fund, we have a vested interest in ensuring the speed and accuracy of our claims, so you know that we are always doing our best to make claim services work for you.

The TBG NurseCare Hotline gives you instant access 24/7 to medical professionals to help you assess injuries and suggest treatments when injuries are non-life-threatening.
This ensures workers get the appropriate care for injuries and streamlines the reporting process, which eliminates problems with claims. When we use the NurseCare Hotline, we’re all doing our part to assure injured workers receive the appropriate care for their injury and protect our future.

We’ve developed a full range of safety service programs and services designed to create safer workplaces and drive down injuries.
We take safety services beyond the traditional classroom setting and into our state-of-the-art safety training center and on the road with our mobile classroom. Here our safety service experts and construction specialists provide hands-on training for a variety of situations in real time — teaching your employees to work safer and smarter.

Chief Executive Officer
Stu Thompson

Mitch-Loewen-headshot-Image170x230.jpgDirector of Insurance
Mitch Loewen  

Business Development Coordinator
Craig Marcotte

Marketing/Communications & Events Specialist
Priscilla Conway

Eagan, MN

West Bend: The Silver Lining

The foundation of West Bend's strategy is to create a robust property and casualty product and service portfolio that provides our independent agency partners with a market for a large percentage of the business they write. Around this foundation we wrap outstanding service The Silver Lining and deep agency relationships that enable us to win in the marketplace. Finally, we recognize that our associates are our greatest asset, and the perpetuation of our outstanding culture is critical to our success.

When it comes to understanding commercial risks, we're proud of the broad base of knowledge shared by the underwriters in West Bend's Commercial Lines division. Add to that loss prevention professionals who use a hands-on approach to develop programs tailored to the individual business and property/casualty and workers' compensation claim reps who have the expertise and technology to process claims quickly and efficiently, and you have a quality commercial insurance product provided with unmatched service and dedication to you and your customers.

Our Personal Lines division focuses on providing our valued customers with the right coverages through our Home and Highway package policy. Not only does the Home and Highway offer quality coverages, benefits, and discounts, it's serviced by knowledgeable and experienced underwriters, many of whom share long and productive relationships with their agents.

NSI, West Bend's specialty division, offers insurance programs for market segments or situations that don't meet standard insurers' underwriting guidelines. NSI is a leader in providing innovative programs for specialty lines, such as beauty salons and spas, childcare, YMCAs, and health clubs. In addition, NSI's experienced claim and legal professionals have handled the most difficult claims situations and will do all they can to help protect your customers' valuable businesses.

The professionals at Argent, West Bend's mono-line workers' compensation division, collaborate with you and your customers to improve workers' compensation performance through innovative and customer-focused loss prevention, medical cost containment, education, and communication. This high-touch, results-oriented approach is custom built to fit each culture and designed to help customers control the cost of insurance.

Our associates drive our culture of service and family at West Bend. It's because of them that we've been honored as a Best Place to Work in Insurance for nine consecutive years by Business Insurance and as a Top Workplace by the Milwaukee Journal Sentinel for eight years. We're also proud of the many awards acknowledging our community service, financial stability, and support of healthy lifestyles for our associates. All of these make West Bend a better company for our trusted agent partners.

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


Western National Insurance, headquartered in Edina, is a group of eight active property-and-casualty insurance companies (and one affiliate Michigan Millers Mutual Insurance Company of Lansing, Mich.) providing personal and commercial coverage in 20 states, plus surety bonds in 32 states, across the Midwestern, Northwestern, and Southwestern U.S.  Building quality relationships has been at the core of the companys operations since it was founded in 1901. From its roots as a direct-writing fire insurer for Minnesotas creameries and cheese factories, to its current role as an Independent-Agent-driven super-regional insurer for individuals, families, and businesses, Western National has focused on providing exceptional service to its agency partners, policyholders, and local communities. The company is a proud supporter of the MIIAB.

At Western National, we believe working exclusively with Independent Insurance Agents provides our mutual policyholders with the best possible choice to meet their protection needs, said Stuart Henderson, President and Chief Executive Officer. Its the mix of expertise and quality carrier options that only an Independent Agent can provide that makes us proud to call it our sole distribution system. We are proud to partner with Independent Agent associations, and especially the MIIAB in our home state, 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 surpassed $500 million in policyholder surplus, moved to A.M. Best Financial Size Category X (from IX), and received recognition once again as a Ward Top 50 Benchmark Group of top-performing U.S. property-and-casualty companies (its 13th time in the past 14 years). In addition to these accolades, a strong business plan and the continued hard work of employees and agency partners resulted in growth of the Groups assets to $1.3 billion.

For 2019, Western National remains focused on increasing the ease-of-use of its online systems, enhancing relationships with its agency partners, and achieving profitable premium growth. The company continues to develop its agency portal (AgentsOnline) with new features and improved navigation, while at the same time rolling out new AutoPay functionality on its policyholder self-service site (MyAccount). Combined with the companys ongoing commitment to individual-risk underwriting and to prompt-and-fair claims service, these efforts have Western National on track to continue building on its successes throughout 2019 and beyond.

Western National Insurance Group
President & CEO
Stuart Henderson, J.D., CPCU
Edina, MN
A+ (Superior)