Business Details
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Your Trusted Partner for Insurance Solutions
Wnins has served policyholders with integrity and stability for over 120 years. Founded in 1900 as a fire insurance provider for Midwest creameries, the company has evolved into a super-regional property-and-casualty insurer operating across 25+ states. We prioritize relationships over transactions, distributing policies exclusively through Independent Insurance Agents who advocate for clients' needs. Our commitment to financial strength is reflected in our A+ AM Best rating and $1 billion+ in assets.We emphasize socially responsible practices through $100 million+ in ESG-qualified investments and community initiatives like our Driving Away Hunger program. Our 'Power of Nice' philosophy guides every interaction, ensuring personalized service for individuals, families, and businesses. With six active insurance companies under our umbrella, we combine century-old values with modern risk management solutions.
Services
Personal Auto Insurance
Homeowner Insurance
Commercial Auto Coverage
Cyber Liability Protection
Surety Bonds
Workers' Compensation
Umbrella Policies
Recreational Vehicle Insurance
Dwelling Property Coverage
Employment Practices Liability
Details
- Year established: 1900
Highlights and features
- Over 120 years of experience in property-and-casualty insurance
- Exclusive distribution through Independent Insurance Agents for client-focused service
- $100 million+ invested in ESG-qualified initiatives
- A+ (Superior) financial rating from AM Best
- Community-focused programs including Driving Away Hunger vehicle donations
Associations and certifications
- AM Best A+
- Ward's Top 50 Benchmark Group
Services
Personal Auto Insurance
Our Personal Auto policies provide comprehensive coverage with unique benefits like our Penalty-Free Promise, which maintains rates after accidents. Available features include collision coverage, roadside assistance, and specialized options for customized vehicles. Policyholders benefit from experienced claims handling and discounts for safe drivers, multi-policy bundling, and vehicle anti-theft systems.
Commercial Umbrella Insurance
Commercial Umbrella policies extend liability coverage beyond primary auto and general liability policies. This protection covers catastrophic claims exceeding $1 million, including cyber liability and employment practices exposures. Requires underlying coverage through Western National's primary commercial policies.
Surety Bonds
We offer contract and commercial surety solutions for construction projects and business obligations. Our programs include ContractXpress for bonds up to $3 million without audited financials, SBA-guaranteed bonds for emerging contractors, and specialized forms for license/permit requirements across 43 states.
Cyber Liability Insurance
Our Cyber Liability program addresses modern business risks with $1 million coverage limits. Features include network security protection, regulatory defense, data breach response, and coverage for cyber extortion, business interruption, and payment card industry fines.
Homeowner Insurance
Homeowner policies include Penalty-Free Promise protection against rate increases from claims. Available coverages include identity fraud expense, watercraft liability, and enhanced protections for valuable items like jewelry and electronics. Discounts apply for security systems and multi-policy bundling.
Questions
How do I file an insurance claim?
Report claims 24/7 via phone at (855) 921-3164 or through our online portal. Claims specialists will respond within one business day for non-emergency reports.
Why use an Independent Insurance Agent?
Independent agents represent multiple companies, providing unbiased comparisons and customized solutions. They receive specialized training on Western National's products to ensure proper policy selection.
What states do you operate in?
We serve 25+ states across the Midwest, Northwest, and Southwest U.S., including Alaska. Specific coverage availability varies by state regulations.
Do you offer commercial cyber liability coverage?
Yes, our Cyber Liability program includes $1 million limits with coverage for data breaches, business interruption, and regulatory penalties.
What is the Penalty-Free Promise?
This benefit prevents rate increases after claims for both auto and home policies, applying to violation-free households with our Signature programs.
How are you socially responsible?
We maintain $100 million+ in ESG investments, donate to 90+ charities annually, and operate community programs like Driving Away Hunger vehicle donations.
Reviews (6)
Waffle House
Jun 09, 2022
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Be aware, this insurance company changes policy and does not properly inform its customers. My policy use to have a matching endorsement and apparently it was removed in 2020. My insurance agent states that Western sent a letter but I don't remember getting one. Now I'm on the hook to replace half of my siding. All of my neighbors are getting full replacement minus deductible. I have been with his company for over 10 years and this is what I get for my loyalty.
The insurance claim paperwork came in and they low balled on everything. From the roof to siding and AC repair. I would stay with Western if they covered all my repairs but they won't. I will be changing companies. 10 years loyalty gone down the drain. Extremely disappointed.
The insurance claim paperwork came in and they low balled on everything. From the roof to siding and AC repair. I would stay with Western if they covered all my repairs but they won't. I will be changing companies. 10 years loyalty gone down the drain. Extremely disappointed.
Jeremy Glawe
May 12, 2022
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Avoid this company and and any insurance agent that pushes them. If you happen to have them already be advised to reconsider. The only thing this company is good at is taking your money. Customer service is non-existent. Their policies cover nothing. I was left hanging eight weeks for my dock pretty simple claim just to get a denial. Even the insurance agent was surprised! That was time I could have used to better my own situation. I will be dropping Western National at my earliest convenience.
Eric Difrancesco
May 12, 2022
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I lost my license due to an accident not of my doing. I was automatically dropped, sent an invoice, then sent a follow up letter threatening to send my outstanding last payment to collections, in under 2 weeks. The service is awful! I am reporting these crooks to the Department of Insurance because this is the worst experience I have ever had and insurance companies should have customer service considering they don't really provide me any services, just hold my money.
Ricky Small
Apr 26, 2022
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I've had them for several years for commercial insurance I've never filled a claim my entire life and when it came time to file one the adjuster who came out said to me they don't believe you and it's probably not goin to be covered. This company is a joke no wonder they got a bad rating needless to say they're canceled.
Derek F.
Mar 27, 2022
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Avoid this Company. Horrible Customer Service and extremely difficult to work with. File a claim and they ignore and don't respond as long as possible only to be retaliated against for questioning their adjustor. Going to file with the Attorney Generals Office.
Donald Dornacker
Feb 25, 2022
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The auto claim on my totaled truck was handled very well, and professionally. I received a fair value dollar amount on the ACV of my vehicle. Thanks Western National!
