Main Street America Insurance

Tom Frazier serves as SVP and Chief Investment Officer, overseeing the general account portfolio from Jacksonville, Florida. Frazier manages the asset-liability matching strategy for the firm's property-casualty book, with allocations spanning fixed-income securities and a limited alternatives program. His team operates under the governance framework of Main Street America's board, chaired in part by directors including former U.S. Ambassador John Rood and Audit Committee chair Chip Elfner.

Main Street America merged with American Family Insurance in 2018, becoming a wholly-owned subsidiary within the AmFam mutual holding company. The transaction preserved Main Street America's brand identity, CEO Chris Listau's leadership team, and its independent agent distribution channel. Main Street America retains its own board of directors and underwriting autonomy while benefiting from the capital strength and rating-agency standing of its Madison, Wisconsin-based parent (per public record, 2018).

The firm operates across the Midwest, Northeast, and Southeast United States through a network of approximately 2,700 independent agents. Its corporate headquarters is in Jacksonville, Florida, with a significant administrative and operational hub maintained at its historic location in Keene, New Hampshire. This East Coast and Great Lakes concentration reflects the legacy footprint of the National Grange Mutual nameplate and its successor regional expansion.

Following a 2024 agreement to transfer its personal lines book to Safeco Insurance, a Liberty Mutual subsidiary, and a 2026 transaction in which Nationwide acquired renewal rights for its surety and fidelity bond business, the firm has narrowed toward core commercial lines offering — business-owner policies, commercial auto, and umbrella coverage. The product portfolio realignment suggests an underwriting focus on main-street commercial risks across its independent agency network.

Yes. Main Street America participates in several charitable vehicles, including the American Family Insurance Dreams Foundation, the Austin Mutual Foundation, and the NGM Charitable Foundation. These foundations support community initiatives across the firm's operating regions, reflecting the mutual-company tradition of policyholder-aligned giving.

Main Street America is a founding company partner and major funder of Trusted Choice, the consumer brand of the Independent Insurance Agents & Brokers of America. The firm distributes exclusively through independent agents, eschewing direct-to-consumer platforms. This agent-centric model is structurally embedded — the firm's governance and compensation structures reward multi-line placement through local agencies rather than centralized call centers.

The board includes directors with political and business pedigrees that reflect the firm's New England and Florida orientation. John Rood, a former U.S. Ambassador to the Bahamas and prominent Jacksonville businessman, serves as a board director. Albert H. 'Chip' Elfner III chairs the Audit Committee. CEO Chris Listau maintains a direct reporting relationship to the board while operating within the American Family Insurance group governance framework.