NGM Insurance Co. Introduces Expanded Workers’ Compensation Program in Vermont

Competitive Pricing Levels and Coverage Options Offered via Additional Writing Companies

BURLINGTON, Vt.--()--The Main Street America Group’s NGM Insurance Company has introduced an expanded workers’ compensation program in Vermont via its network of independent insurance agents across the state.

“Our expanded coverage options and pricing levels in Vermont, available through NGM and two of our other writing companies, will enable us to more precisely match risk to rates and offer our customers more attractive rates on preferred business,” said Dan Gaynor, Main Street America’s vice president and head of commercial lines. “These new options also open our workers’ compensation market to a broader mix of business lines beyond contractors. This includes small businesses in the retail, offices, services, manufacturing and wholesale classes throughout Vermont.”

NGM’s expanded workers’ compensation product considers 10 characteristics that impact company placement, including ones the Company has not used before such as number of owned vehicles, years in business and number of nonpays in prior billing cycles. Once these characteristics are applied to a risk, it will then be placed into one of three writing companies, which vary by state.

In Vermont, the product can be written with Main Street America’s NGM Insurance Company, Main Street America Assurance Company or Old Dominion Insurance Company.

NGM’s expanded workers’ compensation coverage can be paired with its Main Line Business Owners Program (Main Line BOP) – a robust small business product that offers a wide range of coverages, including many not available in competitor’s products – as well as the super-regional carrier’s tiered commercial auto program.

“Quoting and writing the product is easy due to enhancements we have made to our Main Street Station commercial lines policy processing system,” said Steve Berry, president of Main Street America’s New England Region, headquartered in Keene, N.H. “By adding workers’ compensation to our Main Line BOP and tiered commercial auto products, our Vermont agent-customers can meet all of their commercial insureds’ needs with one financially strong carrier.”

Throughout 2015, Main Street America plans to introduce its expanded workers’ compensation program in eight more states: Connecticut, Delaware, Indiana, Virginia, Maryland, Pennsylvania, South Carolina and Tennessee. The product was launched in fourth quarter 2014 in Georgia and North Carolina.

About The Main Street America Group

With roots dating back to 1923, The Main Street America Group is a mutual insurance holding company which writes business through its nine property/casualty insurance carriers: NGM Insurance Company, Old Dominion Insurance Company, Austin Mutual Insurance Company, Grain Dealers Mutual Insurance Company, Main Street America Assurance Company, Great Lakes Casualty Insurance Company, MSA Insurance Company, Spring Valley Mutual Insurance Company and Main Street America Protection Insurance Company. Based in Jacksonville, Fla., Main Street America offers a wide range of commercial and personal insurance, as well as fidelity and surety bond products, to individuals, families and businesses throughout the United States.

With nearly $1 billion in premium written exclusively by more than 3,000 independent insurance agents, the 92-year-old company insures over 650,000 policyholders in 36 states and writes bonds in 46 states and the District of Columbia. A.M. Best Company rates The Main Street America Group with an "A" (Excellent) financial strength rating and “a+” issuer credit rating. Main Street America is the founding company partner of Trusted Choice®, the global branding program of the Independent Insurance Agents & Brokers of America. Main Street America is also a founding company partner of the consumer agent portal and the Insurance Institute for Business & Home Safety (IBHS) Research Center. For more information about Main Street America, please visit our newsroom at or connect with us on Facebook at


The Main Street America Group
Mark Friedlander, 904-380-7461

Release Summary

The Main Street America Group's NGM Insurance Company has introduced its expanded workers' compensation program in Vermont via its statewide distribution network of independent insurance agents.


The Main Street America Group
Mark Friedlander, 904-380-7461