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Reopening of New Home & Dwelling Business in Minnesota

We are pleased to share that since September 27, 2025, we have re-opened quoting for new Home and Dwelling business that is packaged with a personal auto policy in Minnesota with an effective date of October 1 or later.

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A.M. Best Top 200 P&C Companies

Western National has once again been included in A.M. Best’s list of the Top 200 U.S. Property-and-Casualty Companies. Western National is #83 – 9 spots higher than our ranking in 2024.

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Commercial Lines Products Now Available Through New System

We are pleased to share that our commercial lines products are now available in our new agency system, ProducerEngage, on the Guidewire platform. The products and new system are available in Illinois, Iowa, Minnesota, North Dakota, South Dakota, and Wisconsin for new policies with effective dates of September 1, 2025, and later, and in Idaho, Montana, Nevada, Oregon, Utah, and Washington for new policies with effective dates of November 1, 2025, and later. Existing commercial lines policies will continue to renew in the legacy system for the time being.

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Year-to-Date June Results

Through September 30, 2025, written premium for our Group is at $1,070,841 million. Our loss ratio is 49.7% (vs. goal of 51.7%), our loss adjustment expense ratio is 9.3% (vs. goal of 9.5% ), and our underwriting expense ratio is 33.3% (vs. goal of 33.7% ) – adding up to a combined ratio of 92.3%. We are incredibly pleased with these positive numbers, and we look forward to carrying this positive momentum through the last quarter of the year and into 2026.

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