Grange Insurance

What Grange Insurance does

Grange Insurance is a Columbus, Ohio-based property and casualty insurance company organized as a mutual holding company (Grange Mutual Holding Company) with a 130-year operating history dating to 1894. It underwrites and distributes personal lines (auto, home, renters, condo) and commercial lines (business owner policies, commercial package policies, workers' compensation, cyber, EPLI, equipment breakdown, umbrella) through a network of local, independent insurance agents across Ohio and six Western US states. The company's P&C subsidiaries include Grange Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan, Grange Property & Casualty Insurance Company, Trustgard Insurance Company, and the Integrity Insurance affiliates.

Grange operates a digital service layer comprising the Grange Mobile App, online account management portals (MyGrange/MyIntegrity), and an Easy-Snap auto claims capability, supported by an agent login portal (GrangeAgent.com). Customer-facing technology is augmented by a commercial risk-services ecosystem delivered through partnerships: CyberScout for cyber breach response, Medcor for 24/7 nurse triage in workers' comp, Zywave and Lezage for safety training and compliance content, Azuga and SambaSafety for fleet and driver monitoring, IBHS for business continuity resources, and Accelevant/Davies for premium audit services. AI/RPA capabilities are described as limited to assistive customer-information chatbots and back-office automation delivered partly through third-party providers.

The business model is straightforward P&C insurance: recurring premium revenue from policyholders, risk-rated individually, distributed exclusively through independent agents, with value-added commercial risk services bundled or offered at low cost to deepen policyholder relationships. Grange exited life insurance in 2018 (divesting Grange Life Insurance Company to Kansas City Life) and is rebranding its Western association as Granwest Insurance effective July 1, 2026 to sharpen its regional identity. The company has held an A.M. Best 'A' (Excellent) rating for 50 consecutive years and was rated 'Prominent' (top 10%) for innovation capability in 2025.

Name

Grange Insurance

Legal name

Grange Mutual Holding Company

Website

https://grangeinsurance.com

Company type

Private

Founded year

1894

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Grange Insurance is a 130-year-old mutual property and casualty insurer headquartered in Columbus, Ohio, offering auto, home, and business coverage through independent agents across Ohio and six Western US states.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Renters Insurance (FSAJACAB), Mixed-Use / Commercial Condominium BOP (FSAJAFAO)

Keywords

• Property casualty insurance
• Personal lines insurance
• Commercial lines insurance
• Independent insurance agents
• Risk management services

Headquarters

HQ city

Columbus

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Property and Casualty Insurance Premiums: Grange Insurance generates revenue through property and casualty insurance premiums collected from policyholders. This includes auto, home, renters, condo, and business insurance policies. Premiums are collected on a recurring basis (monthly, semi-annual, or annual billing cycles) and represent the primary revenue stream for the company.
2. Insurance Policy Administration Services: Revenue derived from policy administration, claims processing, and related insurance services provided to policyholders across their portfolio of property and casualty coverage

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Grange Insurance is a property and casualty insurance company that underwrites and distributes auto, home, renters, condo, and commercial business insurance policies through a network of independent insurance agents. It also provides complementary services including risk control consulting, premium audit, a 24/7 nurse triage program for workers' compensation, and digital self-service via the Grange Mobile App and online portals.

Product overview

Grange Insurance is a property and casualty insurance company offering a comprehensive portfolio of insurance products through a network of independent agents. The core offerings include auto, home, renters, condo, and business insurance, with business coverage encompassing small business policies, cyber insurance, equipment breakdown, EPLI, workers compensation, and umbrella coverage. Digital services include the Grange Mobile App for account management and claims processing. The company provides supplementary services including Risk Control Services (risk management consulting, safety training, business continuity planning), Premium Audit Services, and a Nurse Triage Program for workers' compensation. Grange also operates its Integrity Insurance affiliate brand. The company serves customers through independent insurance agents across multiple states and was rebranding as Granwest Insurance in 2026.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Auto insurance coverage for personal vehicles including liability, collision, comprehensive, and additional coverage options for individual drivers.
• Home Insurance Homeowners insurance covering dwelling, personal property, liability, and additional living expenses for homeowners.
• Renters Insurance Insurance coverage for renters protecting personal belongings, liability, and additional living expenses.
• Condo Insurance Condominium insurance covering the interior of the unit, personal property, and liability protection for condo owners.
• Business Insurance Commercial insurance products for businesses including Business Owner Policy (BOP), Commercial Package Policy (CPP), small business coverage, and risk management consulting services.
• Business Cyber Insurance Comprehensive cyber coverage for businesses including first-party data breach expense coverage, third-party liability coverage, and ransomware/extortion protection. Available to business insurance policyholders.
• Workers Compensation Insurance Workers compensation insurance providing financial protection for medical costs, lost wages, and rehabilitation for employees injured on the job, as required by state law.
• Employment Practices Liability Insurance (EPLI) Employment Practices Liability Insurance protecting businesses against claims from employees regarding wrongful termination, discrimination, harassment, and other employment-related issues.
• Equipment Breakdown Coverage Business coverage protecting against sudden and accidental breakdown of equipment including electrical systems, mechanical systems, and production equipment.
• Umbrella Insurance Umbrella insurance providing additional liability coverage beyond the limits of auto, home, or other underlying policies for protection against significant financial loss.
• Identity Theft Insurance Identity theft coverage providing protection and recovery assistance when personal identity is compromised.
• Personal Cyber Insurance Home cyber insurance coverage protecting against cyber threats, identity theft, and online fraud for personal policyholders.
• Risk Control Services Professional risk management and business consulting services including workplace safety program development, risk assessments, driver safety training, OSHA training, return-to-work programs, and business continuity planning. Many services available free to policyholders.
• Premium Audit Services Premium audit services reviewing financial records and operations to determine correct premium amounts for business insurance policies, including payroll, sales, and subcontractor documentation review.
• Nurse Triage Program 24/7 telephonic nurse triage service partnering with Medcor to provide injured employees with access to registered nurses who evaluate injuries and direct them to appropriate care levels. Complimentary benefit for workers' compensation customers.
• Grange Mobile App Mobile application for policyholders to manage their insurance accounts, make payments, access documents, and file or track claims.

Named customers5 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability3 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and supporting.

• CyberScoutcoreTechnology or IntegrationGrange Insurance partners with CyberScout to provide comprehensive cyber protection for business customers. CyberScout is an industry leader in identity protection and breach response services, protecting over 770,000 businesses in North America. The partnership provides data breach response plans, guidance on response strategy, business reputation protection, and prevention of regulatory sanctions and fines.
• MedcorcoreTechnology or IntegrationGrange Insurance partners with Medcor to provide a 24/7 nurse triage program for workers' compensation customers. The partnership offers injured employees immediate access to registered nurses who evaluate injuries and direct them to appropriate care levels, helping control workers' compensation costs and reduce unnecessary emergency room visits.
• ZywavesupportingTechnology or IntegrationGrange Insurance provides commercial policyholders access to Zywave's suite of customized safety tools and resources through the Risk Control Services program. Zywave offers risk management and safety compliance resources to help businesses address workplace hazards.
• AzugasupportingTechnology or IntegrationGrange Insurance partners with Azuga to provide fleet management and telematics solutions for commercial customers. Azuga helps businesses make their fleets safer through vehicle tracking and driver behavior monitoring.
• SambaSafetysupportingTechnology or IntegrationGrange Insurance offers commercial customers discounts on SambaSafety's Motor Vehicle Record (MVR) monitoring services as part of Risk Control Services. This helps businesses screen and monitor drivers for fleet safety programs.
• LezagesupportingTechnology or IntegrationGrange Insurance provides access to on-demand safety videos and resources through its partnership with Lezage as part of Risk Control Services for commercial policyholders.
• Accelevant PremiumAuditsupportingTechnology or IntegrationGrange Insurance partners with Accelevant PremiumAudit as a vendor for insurance premium audits, helping determine correct premium amounts for business policies based on actual business operations.
• Davies Risk ServicessupportingTechnology or IntegrationGrange Insurance partners with Davies Risk Services as a vendor for insurance premium audits, helping review financial records and operations to determine accurate policy premiums.
• Insurance Institute for Business & Home Safety (IBHS)supportingStrategic or Co-development PartnerGrange Insurance partners with IBHS to provide business continuity planning resources and tools for commercial customers, including toolkits for disaster preparedness and severe weather planning.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Central Insurance: Ohio-based mutual P&C insurer focused on personal and commercial lines distributed through independent agents. Comparable to Grange on mutual structure, Ohio headquarters, agent distribution model, and P&C product mix including business insurance.
• Motorists Insurance Group: Ohio-based mutual P&C carrier selling personal and commercial insurance through independent agents across multiple Midwestern states. Comparable to Grange on mutual ownership, Ohio footprint, agent-led distribution, and personal/commercial line breadth.
• Westfield Insurance: Ohio-based mutual P&C carrier (Westfield Group) selling personal and commercial lines through independent agents in the Midwest and Eastern US. Direct comparable to Grange on geography (Ohio), mutual structure, agent distribution, and P&C focus.
• Shelter Insurance: Missouri-based mutual P&C insurer selling auto, home, and life through a network of exclusive and independent agents across the Midwest and South. Comparable to Grange on mutual structure, regional geographic focus, and personal/commercial P&C product breadth.
• Cincinnati Financial: Ohio-based publicly traded P&C insurer writing commercial and personal lines through independent agents. Highly comparable to Grange in Ohio roots, independent-agent distribution, commercial lines emphasis, and A-rated financial strength.
• Donegal Group: Pennsylvania-based regional P&C insurance holding company operating through independent agents in the Mid-Atlantic and Midwest. Comparable to Grange on regional P&C focus, independent agent distribution, and multi-line personal/commercial offerings.
• Auto-Owners Insurance: Michigan-headquartered mutual P&C insurer operating across multiple states via independent agents with auto, home, and business insurance. Comparable to Grange on mutual ownership, independent agent distribution, multi-state regional operation, and product breadth.
• Erie Insurance: Pennsylvania-based mutual P&C insurer selling auto, home, and business coverage almost exclusively through independent agents. Closely comparable to Grange in mutual structure, agent distribution model, regional focus, and multi-line P&C product mix.

Broad incumbents

• Western & Southern Financial Group: Cincinnati-based diversified financial services holding company with insurance, annuities, and investment products. Comparable to Grange as an Ohio-based insurance-centric group with strong financial strength ratings and broad product capabilities.
• Nationwide Mutual Insurance Company: Ohio-headquartered national mutual P&C and financial services carrier with extensive personal and commercial lines. Comparable to Grange on mutual ownership, Ohio roots, A-rated financial strength, and P&C franchise, but operates at far larger national scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/GrangeInsurance
• YouTubeyoutube.com/user/GrangeInsurance
• Facebookfacebook.com/grangeinsurancemarketing
• LinkedInlinkedin.com/company/164038
• Instagraminstagram.com/grange_insurance/?hl=en

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Grange Insurance