National General Insurance
National General Insurance, founded in 1920 and a wholly-owned subsidiary of Allstate, underwrites personal and specialty lines (auto, RV, motorcycle, home, flood, health) and provides lender services to mortgage servicers, distributed through 55,000+ independent agents, direct online, and B2B channels across all 50 U.S. states.
- Company typePrivate
- Founded1920
- HeadquartersNew York, United States
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What National General Insurance does
National General Insurance is a U.S. personal lines and specialty insurance carrier founded in 1920 and operating as a wholly-owned subsidiary of Allstate Corporation (NYSE: ALL). The company underwrites and distributes auto, commercial vehicle, RV, motorcycle, homeowners, condo, renters, flood, umbrella, and individual health coverage through three principal go-to-market motions: a 55,000+ independent agent and broker network, direct online quoting and policy management via its website and mobile app, and a specialized B2B channel — National General Lender Services — that provides insurance tracking, lender-placed insurance, loss drafts processing, and customer care to mortgage servicers.
The company's technology stack centers on underwriting and claims systems for personal lines, complemented by purpose-built lender-services tools including the ClientSource servicer portal, a Self-Serv homeowner portal, an Interactive Dashboard for portfolio risk and compliance, and a Catastrophe Monitoring Center for real-time event response. Product-level technology differentiators include DynamicDrive, an auto insurance program using driving behavior data to price risk more competitively. Strategic Markets, a third distribution line, offers custom programs and specialty coverages to general agencies.
National General generates revenue primarily through recurring insurance premiums across personal and specialty lines, supplemented by managed-service fees from mortgage servicers and revenue-sharing arrangements with general agencies. Pricing is quote-based and monthly across consumer products. The company holds an A.M. Best A+ Superior financial strength rating, is licensed and operating in all 50 U.S. states, serves as a Write-Your-Own carrier for the National Flood Insurance Program, and has earned 20 consecutive years of Call Center of Excellence certification. Brand presence spans NatGen, NatGen Premier, NatGenHealth, and National General Lender Services sub-brands.
National General Insurance firmographics
Firmographics- Name
- National General Insurance
- Legal name
- National General, an Allstate company
- Website
- https://nationalgeneral.com
- Company type
- Private
- Founded year
- 1920
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- National General Insurance, founded in 1920 and a wholly-owned subsidiary of Allstate, underwrites personal and specialty lines (auto, RV, motorcycle, home, flood, health) and provides lender services to mortgage servicers, distributed through 55,000+ independent agents, direct online, and B2B channels across all 50 U.S. states.
- Ownership category
- akta.pro rank
National General Insurance industry classification
Industry- Product category
- Personal Lines Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)
- akta.pro secondary industries
- Full-Coverage Personal Auto Insurance (FSAJAAAF), Commercial Auto & Fleet Insurance (FSAJAMAB), Personal Umbrella Insurance (FSAJANAA), Auto Liability Umbrella / Excess (FSAJANAK)
Keywords
Where National General Insurance is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
National General Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: National General generates revenue through insurance premiums collected from policyholders on a recurring basis for auto, home, RV, motorcycle, condo, renters, flood, umbrella, and health insurance products.
- Lender Services: Revenue from mortgage servicers and general agencies for insurance tracking services, lender-placed insurance, loss drafts processing, and customer care services.
- Strategic Markets: Specialty coverages and custom programs offered to general agencies through strategic partnerships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Auto Insurance |
| Subscription | Monthly | Homeowners and Renters Insurance |
| Subscription | Monthly | RV and Motorcycle Insurance |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
National General Insurance product offering
Product offeringCore offering
National General Insurance provides personal and commercial property and casualty insurance products—including auto, homeowners, RV, motorcycle, condo, renters, flood, umbrella, and health coverage—distributed through 55,000+ independent agents and direct online channels. As an Allstate subsidiary, it also operates a B2B Lender Services line offering insurance tracking, lender-placed insurance, loss-draft processing, and customer care for mortgage servicers.
Differentiator
Problem solved
Functional benefit
Brands
- NatGen Premier: Premium insurance product brand offering enhanced coverage options
- NatGenHealth
- National General Lender Services
- ClientSource
- Catastrophe Monitoring Center
Products and services
- Auto Insurance
- Homeowners Insurance
- RV Insurance
- Motorcycle Insurance
- Condo Insurance
- Renters Insurance
- Flood Insurance
- Umbrella Insurance
- Health Insurance
- Commercial Vehicle Insurance
- Lender Services (B2B)
Quantifiable outcome
- A+ rating from A.M. Best for superior financial strength
- +1 more outcomes
Companies that use National General Insurance
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles2 records
National General Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
National General Insurance partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- RoamlycoreRoamly, a digital insurance platform, established partnerships with eight major national carriers including National General as part of its Florida expansion. The partnership offers digital-first insurance products across recreational vehicle, marine, and motorcycle lines, targeting Florida's market of over 1 million registered recreational boats, 825,000 registered RVs, and high motorcycle ownership rates.
- ProgressiveminorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
- American ModernminorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
- MercuryminorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
- HagertyminorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
- DairylandminorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
- SafecominorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
- Ahoy! InsuranceminorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
National General Insurance competitors and assessment
Company assessmentDirect peers
- GEICO: GEICO (Berkshire Hathaway) is the second-largest U.S. personal auto insurer and National General's primary direct-channel competitor. The two overlap almost entirely in personal auto and motorcycle, with GEICO setting the price benchmark that agency-based carriers like National General must respond to.
- Erie Insurance: Erie is a mid-market agency-based personal lines carrier selling auto, home, and life through exclusive and independent agents across the Midwest, Mid-Atlantic, and Southeast. It mirrors National General's strategy of distributing through independent agents with a broad personal-lines product suite, and serves overlapping customer segments of middle-income families.
- Mercury Insurance: Mercury is a California-headquartered personal auto insurer selling through independent agents with strong positions in CA, FL, and other non-standard auto markets. Mercury directly competes with National General in personal and commercial auto, including specialty vehicles, and is also a named carrier partner alongside National General on the Roamly platform.
- Foremost Insurance Group: Foremost (a Zurich North America brand) specializes in specialty personal lines including mobile homes, RVs, motorcycles, boats, and collectibles. It overlaps directly with National General's specialty vehicle and recreational product portfolio and competes in the same agent channel.
- Hagerty: Hagerty specializes in classic, collector, and enthusiast vehicle insurance including boats and motorcycles. It is a direct competitor in the specialty vehicle space that National General targets and is also a Roamly partner alongside National General, confirming close competition for the same recreational vehicle consumers.
- Dairyland Insurance: Dairyland (an Sentry Insurance brand) specializes in motorcycle, ATV, snowmobile, and off-road vehicle insurance distributed through independent agents. It directly overlaps with National General's motorcycle and recreational vehicle product lines and is also co-located on the Roamly digital platform.
- Progressive: Progressive is the largest U.S. personal auto writer, competing head-to-head with National General across personal auto, motorcycle, and RV. Both rely heavily on direct and agency distribution (though Progressive is more direct-tilted), which makes competitive pricing, telematics/usage-based programs, and advertising spend the primary battlegrounds.
Broad incumbents
- Liberty Mutual Insurance: Liberty Mutual is one of the largest U.S. P&C carriers offering personal auto, home, RV, and commercial lines through both owned (e.g., Safeco, cited as a Roamly partner) and independent agent channels. Liberty Mutual competes with National General across virtually every personal line and offers the financial scale of a top-5 U.S. insurer.
- Nationwide Mutual Insurance: Nationwide is a top-10 U.S. P&C carrier selling personal auto, home, and specialty lines through a captive plus independent agent model. Nationwide and National General compete directly in personal lines and share a similar group/affinity distribution approach; Nationwide also operates a major direct platform.
Emerging players
- Assurant: Assurant is a publicly traded specialty insurer offering lender-placed and force-placed insurance, vehicle protection, and specialty personal lines. Through its lending services business, it directly competes with National General Lender Services (NGLS) for mortgage servicer insurance tracking and lender-placed placements.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
National General Insurance social profiles
Digital presenceNational General Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
National General Insurance leadership team
Management profileNumber of profiles
National General Insurance subsidiaries and ownership
Company hierarchySubsidiaries1 record
National General Insurance funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
National General Insurance M&A and investment
M&A and investmentM&A3 records
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about National General Insurance
What does National General Insurance do?
National General Insurance provides personal and commercial property and casualty insurance products—including auto, homeowners, RV, motorcycle, condo, renters, flood, umbrella, and health coverage—distributed through 55,000+ independent agents and direct online channels. As an Allstate subsidiary, it also operates a B2B Lender Services line offering insurance tracking, lender-placed insurance, loss-draft processing, and customer care for mortgage servicers.
Is National General Insurance a public or private company?
National General Insurance is a private company. It is classified as corporate owned and is currently operating.
When was National General Insurance founded?
National General Insurance was founded in 1920. It employs 5,001 to 10,000 people.
Where is National General Insurance based?
National General Insurance is headquartered in New York, United States, in the North America region.
How does National General Insurance make money?
Three revenue lines are on record. Insurance Premiums are the primary driver. The others are lender Services and strategic Markets.
Who are National General Insurance's main competitors?
Direct peers on record are GEICO, Erie Insurance, Mercury Insurance, Foremost Insurance Group, Hagerty, Dairyland Insurance and Progressive. Broad incumbents are Liberty Mutual Insurance and Nationwide Mutual Insurance. Assurant is listed as an emerging player.
Does National General Insurance have an API?
No public API is recorded for National General Insurance.
What industry is National General Insurance in?
National General Insurance's product category is Personal Lines Insurance. Its primary akta.pro industry code is FSAJAAAA, Standard Personal Auto Insurance (Liability, Collision & Comprehensive), with a secondary code of FSAJAAAF, Full-Coverage Personal Auto Insurance. Its NAICS code is 524126 and its SIC code is 6331.