# Main Street America Insurance

Main Street America Insurance is an Insurance based in Jacksonville, United States.

## Overview

- **Organization type:** Insurance
- **Headquarters:** Jacksonville, United States
- **Region:** North America
- **Address:** 4601 Touchton Road East, Suite 3400, Jacksonville, FL 32246
- **Founded:** 1923
- **Assets under management:** Undisclosed
- **Website:** msainsurance.com
- **LinkedIn:** https://www.linkedin.com/company/main-street-america-insurance

## Regulatory record

- **Reports private funds:** No

## About

Main Street America Insurance offers property and casualty insurance products for businesses, farms, and ranches. We also offer surety bonds and fidelity bonds.

## Sectors

- Insurance

## Offices

- Keene, NH

## People

- Chris Listau — President and CEO
- Tom Frazier — SVP and Chief Investment Officer
- John Rood — Board Director
- Albert H. 'Chip' Elfner III — Director and Chairman of the Audit Committee

## Questions

### Who runs investment decisions at Main Street America?

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.

### What geographies does Main Street America concentrate on?

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.

### What is the firm's relationship with the independent agent channel?

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.

### Who sits on the Main Street America board?

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.

## Related profiles

- [Main Line Retirement Advisors](https://altss.com/profile/main-line-retirement-advisors)
- [Main Street Financial Life Advisors](https://altss.com/profile/main-street-financial-life-advisors)

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Last updated: 2026-06-03T20:00:00.000Z

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