Companies We Represent

Auto-Owners success can be traced back from its present management to the early leadership of Vern V. Moulton who, in 1916, organized Auto-Owners Insurance Company in Mt. Pleasant, MI.

It wasn't long before the Depression began, and Auto-Owners weathered even the lowest point of that era - the bank holidays of February 1933. The Company demonstrated its corporate toughness and financial stability by paying all claims promptly, daily, and IN CASH!

Today, Auto-Owners has full-service offices in Lansing, MI; White Bear Lake, MN; Peoria, IL; Montgomery, AL; Marion, IN; Lima, OH; Lakeland, FL; Brentwood, TN; West Des Moines, IA; Charlotte, NC; Mesa, AZ; Appleton, WI; Duluth, GA; and Columbia, SC; with claim offices in 38 additional cities.

The Company is represented by more than 4,600 independent agencies, selling personal and commercial property/casualty and life, disability and annuity insurance in 23 states.

The Auto-Owners Insurance Group ranks among the largest in the nation, with over 2.7 million policies in force.


On September 28, 2000, CNA Personal Insurance officially became Encompass Insurance. As Encompass Insurance, we have taken a revolutionary stand in the industry by pledging to sell only through independent insurance agents. Our new name reflects our dedication to independent agents and their ability to recommend the best roducts and services to fit their customer's insurance needs.

Our name change reflects our commitment to providing high-quality products and servicesto our customers. As a leader in personal insurance package policies, Encompass Insurance understands customer convenience. Our Universal Security Plicy enables independent agents to help customers eliminate gaps in coverage by combining coverages into a single policy. With one bill and one deductible, USP makes insurance easy on the customer. Our claim service is fast, fair and consistently meets the needs of independent agency customers.


The proud heritage of GuideOne Insurance began more than a half a century ago. In 1947, our organization was originally founded as Preferred Risk Mutual Insurance Company, the country's first auto insurance company for nondrinkers. Despite skeptics who said it wouldn't succeed, the start-up operation quickly prospered.

Over the years that followed, by maintaining an unyielding commitment to social responsibility and a continual focus on niche markets, the organization grew steadily–ultimately creating GuideOne Insurance of today, one the nation's leading niche insurance providers for select consumer and commercial customers. Presently, GuideOne is America's leading insurer of houses of worship, one of the country's largest specialty motorcycle insurers, and the 85th largest property and casualty insurer.

Kemper was formed in 1912 by James S. Kemper to provide workers compensation insurance for Chicago's lumberyard workers.
  • Today, Kemper is a leading provider of property-casualty insurance and risk management services, including a wide array of business and personal insurance products.
  • Kemper provides specialized and innovative business insurance products to address environmental, professional, excess casualty, bond and surety, disability, and loss control risks.

  • An organization with 1999 revenues of approximately $3 billion and a premium-to-surplus ratio of .9 to 1 as of December 31, 1999.

  • Kemper products are sold through more than 1,900 independent commercial agents and brokers and through more than 1,400 independent personal lines agents.


NGM, the parent company of the MSA group, writes over $400 million in premium. We offer personal and commercial lines products that are designed to fit the needs of Main Street America. Headquartered in Keene, NH, NGM was founded in 1923 by Grange fraternity members. Today, we are a multifaceted company writing business in 16 states and partnering with the best independent agents in the industry, backed by superior, personal service.

Founded in 1923 as the General Insurance Company of America, SAFECO has grown to become the premier company selling insurance and financial products through independent agents. SAFECO offers a comprehensive mix of products that help our customers recover from financial loss and profit from financial opportunities.

Our operations include property and casualty insurance, life insurance, annuities, surety, commercial credit, asset management and financial services distribution operations. SAFECO employs more than 17,000 partners, including agents, brokers, investment advisors, and wholesalers, who together provide premier insurance and financial services through a variety of channels, including the Internet, to individual and business customers.
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