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



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, St. Paul and Willmar.

Auto-Owners also has nine marketing representatives in Minnesota to service the 456 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 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."

Auto-Owners also ranked high in a national survey conducted by National Underwriter Property & Casualty magazine in 2017. The survey, which was distributed to the PIA’s national membership, placed Auto-Owners first in six of 11 evaluation factors in determining the best carriers in the nation.

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
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 industry’s first travel trailer policy. The company grew from there, excelling in insurance for specialty products. In 2000, Farmers Insurance Group®, the third largest insurer in the nation, purchased Foremost, bringing them into the Farmers family of companies. In 2011, the group also began marketing auto insurance under the Foremost brand. By employing expertise, focusing on making insurance easier, delivering an expanding suite of products and offering more choices for agents and their customers, Foremost is committed to delivering a better insurance experience.

Robust Product Offering

The Foremost Choice® suite of products is built on a simple idea: Specialized Value. With policies crafted with each customer in mind, Foremost’s products offer real value to your agency and customers. The company continues to refine and expand its product offering to better meet independent agents’ needs.

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. Additionally, Foremost has Renters, Condo and Rental/Vacant Condo programs in many states.

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.

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 Opportunities*

Foremost offers many customer discounts, and the opportunity for savings increases when combining multiple Foremost lines. Some discounts may 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.

Commitment to Independent Agents

Foremost appreciates the unique aspects of Independent Agencies and understands the need to provide products, processes and systems that match up to the way they do business. Focusing on profitable growth and easy-to-use online platforms for business transactions, the company's commitment is to provide one of the broadest product suites in the industry to meet your customers’ needs. Foremost also provides digital/social media marketing training at and industry-leading education with 24/7 access at


Foremost Insurance Group President
Mike Cok
"A" (Excellent)


Grinnell Mutual has been protecting its customers for more than 100 years, offering auto, home, farm, and business insurance. It is the 109th-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 15 states. The company is headquartered in Grinnell, Iowa, and opened an office in West Des Moines, Iowa, in 2017 to help recruit and retain great talent.

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 seven 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 casualty, small business coverage, workers’ compensation, crop hail, and more.

Grinnell Re, a division of Grinnell Mutual, provides reinsurance protection and services to more than 250 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’ve begun 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)

"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 $400 million in premium and insures over 300,000 policyholders across 8 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 2017, was again selected as a Ward’s Top 50 Property/Casualty Insurance Company for the 13th 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

Stay relevant and adapt to the changing environment – that’s our goal.

Our agents have the drive to embrace the changes in the marketplace, and we have the tools, technology, stability, and breadth of product to ensure we thrive well into the future – together.

And while we’re focused on the journey ahead, our past is equally important. Since 1937, we’ve grown into one of the largest auto insurance providers in the country and the largest personal auto insurer by written premium among independent agents. In addition, we’ve worked to achieve No. 1 commercial auto insurer, motorcycle and specialty RV insurer in the US and we also have an A+ (Superior) rating for auto and A (Excellent) rating for home from A.M. Best, an independent U.S. based insurance rating agency.

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

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 stay ahead of consumer needs by providing online and mobile technologies that today's customers expect from businesses.

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.

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 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 agent's long-term, profitable growth.

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.

Don’t take it from us, visit to hear more from some of our agents.

Not all programs, discounts or products are available.


Tricia Griffith

John Sauerland

Pat Callahan

John Barbagallo

Mayfield Village, OH

"A+" (Superior)



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

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)