Western National Insurance

Western National Insurance

Property-and-casualty insurer via independent agents

Overview

Western National Insurance is a regional insurer offering personal and commercial property-and-casualty coverage as well as surety bonds, sold exclusively through independent agents. It underwrites and issues tailored policies and bonds and supports claims and risk management for policyholders. The company differentiates itself through strong agent relationships, active community presence, a focus on employee well-being, and growth driven by independent agents rather than direct sales. Its goal is to provide financial security and peace of mind to customers while building lasting partnerships with agents and communities and maintaining a stable, values-driven workplace for employees.

About Western National Insurance

Simplify's Rating
Why Western National Insurance is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Company Size

501-1,000

Company Stage

N/A

Total Funding

N/A

Headquarters

Edina, Minnesota

Founded

1901

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Simplify's Take

What believers are saying

  • April 23, 2026 results showed 17.8% asset growth and 9.0% premium growth.
  • Net income reached $154.9 million, up from $96.8 million in 2024.
  • AM Best affirmed A+ ratings on August 5, 2026 with stable outlooks.

What critics are saying

  • June 1, 2026 Fabyanske expanded insured rights to independent counsel under reservations of rights.
  • That ruling raises defense costs and settlement leverage in Minnesota commercial litigation immediately.
  • Sustained loss of independent-agency volume would break the distribution model.

What makes Western National Insurance unique

  • A+ AM Best ratings and $1.3 billion surplus signal balance-sheet strength.
  • Western National rewards top independent agencies through Power 10 and Circle of Excellence programs.
  • Its pooled structure spans Western National Mutual, Pioneer, Umialik, American Freedom, and Michigan Millers.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Health Savings Account/Flexible Spending Account

Unlimited Paid Time Off

Paid Vacation

Paid Parental Leave

401(k) Retirement Plan

401(k) Company Match

Wellness Program

Hybrid Work Options

Professional Development Budget

Tuition Reimbursement

Bonus Opportunities

Company News

FUA Insurance
Mar 31st, 2025
Farmers Union Agency Named a 'Power 10 Agency' & Personal Lines 'Platinum Agency' by Western National Insurance Group

Western National Insurance Group announced Farmers Union Agency has been recognized as a Power 10 Agency and a Personal Lines Platinum Agency for 2025.

Insurance Journal
Jun 26th, 2024
People Moves: Wyrick Joins Powers Insurance & Risk Management; Western National Adds Archulaeta and Jenson to Leadership Team

Western National Insurance Group, headquartered in Edina, Minnesota, hired Jessica Archuleta as assistant vice president of actuarial services and promoted Julia Jenson to vice president of communications and business transformation.

Choice Bank
Mar 25th, 2024
Choice Insurance Named a 2024 Circle of Excellence Agency

Western National Insurance Group announced that Choice Insurance has been named one of Western National's 2024 Circle of Excellence Agencies.

Reinsurance News
Feb 9th, 2024
Southlake Specialty to acquire Nevada General Insurance Company

Southlake Specialty, part of Southlake Financial Holdings, a Texas-based group of fronting carriers, has agreed to acquire Nevada General Insurance Company from Western National Mutual Insurance Company.

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