Business Details
Emergency
services
Your Trusted Partner for Comprehensive Insurance Solutions
Wnins has served policyholders' property-and-casualty insurance needs for over 120 years, evolving from a St. Paul-based fire insurance company to a super-regional insurer operating across the Midwestern, Northwestern, and Southwestern United States. Our mutual company structure prioritizes long-term relationships with policyholders and independent insurance agents, distributing products exclusively through these trusted partners. With total assets exceeding $2 billion and an A+ (Superior) rating from A.M.Best, we combine financial strength with personalized service. Our commitment to ESG-qualified investments and community initiatives, including $100 million dedicated to socially responsible projects, reflects our core values. The 'Power of Nice' philosophy guides all interactions, emphasizing integrity, transparency, and exceptional customer experiences.
Services
Personal Auto Insurance
Homeowner Insurance
Commercial Auto Insurance
Cyber Liability Coverage
Surety Bonds
Workers' Compensation
Recreational Vehicle Insurance
Personal Umbrella Policies
Commercial Package Policies
Specialty Insurance Programs
Details
- Year established: 1900
Highlights and features
- We offer over 120 years of insurance expertise with an A+ (Superior) financial rating from A.M. Best
- Our exclusive partnership with independent insurance agents ensures personalized coverage options
- We maintain $2+ billion in total assets for long-term policyholder security
- Our ESG-qualified investments demonstrate commitment to responsible business practices
- The Penalty-Free Promise guarantees rate protection for claim-free policyholders
Associations and certifications
- A.M. Best
Services
Personal Auto Insurance
Western National offers comprehensive personal auto coverage with unique benefits like the Penalty-Free Promise, which protects rates after accidents. Our policies include bodily injury liability, collision coverage, and specialized options for custom vehicles. Available discounts include multi-policy, good student, and defensive driver programs.
Homeowner Insurance
Our homeowner policies protect residences and personal property with customizable coverage options. Features include the Penalty-Free Promise, identity fraud expense coverage, and specialized protection for watercraft liability. Available coverages include replacement cost options and protection for valuable items like jewelry and electronics.
Cyber Liability Coverage
This coverage protects businesses against cyber threats with network security insurance, regulatory defense, and data breach response. Limits up to $1 million include protection against cyber extortion, business interruption, and payment card industry compliance penalties for businesses of all sizes.
Surety Bonds
Western National provides contract and commercial surety bonds with treasury listings exceeding $88 million. Our hub-and-spoke model serves 43 states, offering programs for emerging contractors through SBA guarantees and standard programs with flexible rating plans up to $15 million.
Specialty Insurance Programs
We offer tailored insurance for specialized industries including home health care, refuse hauling, school bus operations, and tree care services. These programs include equipment breakdown coverage, liability protection, and workers' compensation options designed for specific industry risks and regulatory requirements.
Questions
Why should I use an independent insurance agent?
Independent agents provide choices from multiple companies, represent your interests, and offer personalized service from local insurance professionals.
What states do you operate in?
We offer personal lines in 8 states and commercial lines in 16 states across the Midwest, Northwest, and Southwest regions.
What is the Penalty-Free Promise?
This benefit ensures your rates won't increase after claims or accidents for qualifying auto and home insurance policies.
How do I file a claim?
Report claims by phone, mail, fax, or online form with 24/7 support for emergencies and next-business-day response for standard claims.
What financial protections do you offer?
We maintain $2+ billion in assets and hold an A+ (Superior) rating from A.M. Best for long-term policyholder security.
