Penn National Insurance
- Company typePrivate
- Founded1919
- HeadquartersHarrisburg, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
Penn National Insurance firmographics
Firmographics- Name
- Penn National Insurance
- Legal name
- Pennsylvania National Mutual Casualty Insurance Company
- Website
- https://pennnationalinsurance.com
- Company type
- Private
- Founded year
- 1919
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
Where Penn National Insurance is headquartered
LocationHeadquarters
- HQ city
- Harrisburg
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
Penn National 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
- Personal Lines Insurance: Auto and home insurance products for individuals and families, including auto insurance, homeowners insurance, renters and condo coverage, and personal umbrella policies. Revenue generated through premiums paid by policyholders.
- Commercial Lines Insurance: Business insurance products including businessowners policies, general liability, commercial auto, workers compensation, cyber liability, and commercial bonds. Distributed through independent agents to businesses of various sizes.
- Bond Products: Contract bonds, commercial bonds, fidelity and crime bonds, and rapid response bonding programs for contractors and businesses. Offered through independent agents with specialized underwriting.
- Specialty Coverages: Additional coverages including Employment Practices Liability Insurance (EPLI), contractors E&O, manufacturers E&O, mechanics E&O, PennPacs enhancements, and Agents Umbrella program.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Auto and Home Insurance |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Penn National Insurance product offering
Product offeringCore offering
Penn National Insurance is a mutual property-casualty insurance company that underwrites and sells personal lines (auto, home, renters, condo, personal umbrella) and commercial lines (Businessowners Policy, workers' compensation, general liability, commercial auto, cyber liability, EPLI) insurance products, along with surety and fidelity bonds. Products are distributed exclusively through a network of more than 1,200 independent insurance agencies operating across 12 states in the Mid-Atlantic, Southeast, and Midwest.
Product overview
Penn National Insurance is a mutual insurance company founded in 1919, serving individuals, families, and businesses across 12 states through a network of 1,200 independent agency operations. The company operates as a property and casualty insurer with a unified product portfolio organized around personal lines (Auto Insurance, Home Insurance, Personal Umbrella), commercial lines (Businessowners Policy, Workers' Compensation, Cyber Security Insurance, various bond products), and value-added services. Core products include standard auto and home coverage alongside specialized business offerings such as EPLI, Cyber Security Insurance, Contract Bonds, and Commercial Bonds. The company supplements its insurance products with platforms (PennConnect agent portal, Online Insurance Center customer portal, Mobile App) and risk management tools including HSB Efficiency First and Cyber Liability coverage with NetDiligence and eRiskHub integrations. Workers' Compensation services include PayGo billing through SmartPay and electronic claims processing through Carisk Intelligent Clearinghouse and One, Inc.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance
- Home Insurance Homeowners insurance covering property damage, liability, and additional living expenses with options for renters, condo, and personal umbrella coverage, for individuals and families.
- Businessowners Policy (BOP) Comprehensive business insurance package for contractors and businesses, offering tailored coverage with blanket additional insured and damage to your work clarification.
- Workers' Compensation Insurance Workers' compensation insurance with managed care networks, return-to-work programs, and PayGo billing options for businesses.
- Cyber Security Insurance Coverage Coverage for data breach expenses including notification costs, remediation services, first-party privacy breach expense, third-party cyber liability, and regulatory proceeding claim expenses for business policyholders, with optional first-party business interruption coverage.
- Contract Bonds Surety bonds for contractors with annual revenue between $2 million and $15 million, providing lines of credit up to $5 million single and $10 million aggregate.
- Commercial Bonds Commercial bonds up to $1.5 million including license and permit bonds, public official bonds, fiduciary bonds, and court bonds.
- Fidelity & Crime Bonds Protection against embezzlement or theft by employees, including commercial crime coverage up to $1 million and ERISA plan protection.
- PennConnect Agent Portal Online portal for independent agents providing real-time quoting, policy management, and multi-factor authentication for secure access.
- Online Insurance Center (OIC) Customer-facing online platform for policyholders to manage accounts, pay bills, file claims, view policy documents, and access paperless options.
- Mobile App Mobile application for iOS and Android enabling policy management, bill payment, and claims filing from smartphones for Penn National Insurance policyholders.
Companies that use Penn National Insurance
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles3 records
Penn National Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
Penn National Insurance partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- SmartPaycoreSmartPay is Penn National Insurance's partner for Workers' Compensation PayGo automated billing, providing secure online payroll reporting and payment processing for workers comp policies.
- Live Oak BankminorLive Oak Bank provides financing program resources for Penn National Insurance agency partners seeking capital for growth or succession planning.
- The InstitutesminorThe Institutes serve as a training partner for Penn National Insurance, offering discounted pricing on professional education and designation programs for agents and employees.
- Aspire GroupminorAspire Group provides new producer mentoring program for Penn National Insurance, supporting agent development and succession planning.
- Partners Mutual Insurance CompanycorePartners Mutual Insurance Company is an affiliate of Penn National Insurance serving Iowa, Minnesota and Wisconsin from the Waukesha, Wisconsin regional office.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Penn National Insurance competitors and assessment
Company assessmentDirect peers
- Erie Insurance: Mid-Atlantic-based mutual P&C insurer selling personal and commercial lines primarily through exclusive and independent agents across ~12 states and DC. Highly comparable mutual structure, agent-led distribution, and regional concentration.
- Auto-Owners Insurance: Mutual P&C carrier selling personal, commercial, and life insurance exclusively through independent agents in 26 states. Closely comparable product mix, agent distribution model, and mutual ownership structure.
- Donegal Group: Regional P&C holding company (Donegal Mutual is the anchor mutual) operating in the Mid-Atlantic and Midwest through independent agents, with similar product mix and size band to Penn National.
- Selective Insurance Group: Regional P&C insurer serving standard commercial, personal, and excess-and-surplus lines through independent agents in the Mid-Atlantic, Midwest, and Southeast. Comparable distribution model and regional footprint.
- Westfield Insurance: Ohio-based mutual P&C insurer distributing through independent agents across the Midwest and Mid-Atlantic. Comparable mutual structure, commercial lines focus, and agent-led go-to-market.
- Acuity Insurance: Mutual P&C carrier headquartered in Wisconsin selling personal and commercial lines through independent agents in roughly 30 states. Comparable mutual model and similar revenue scale band.
- Shelter Insurance: Mutual P&C and life insurer operating across the Midwest, Mid-South, and Southeast, selling through captive and independent agents. Comparable mutual ownership and regional P&C focus.
- Grange Insurance: Mutual P&C carrier headquartered in Ohio serving personal and commercial customers through independent and exclusive agents in the Midwest and Mid-Atlantic. Closely comparable mutual, agent-led model.
Broad incumbents
- Cincinnati Financial: Large publicly traded P&C insurer selling through independent agents across 40+ states with a similar product mix (commercial, personal, surplus lines, life). Comparable distribution philosophy but materially larger scale.
- Hanover Insurance Group: National P&C carrier focused on small/mid-commercial and personal lines through independent agents, with core concentration in the Northeast and Midwest. Comparable product set and agent distribution but broader geographic and financial scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Penn National Insurance social profiles
Digital presencePenn National Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Penn National Insurance leadership team
Management profileNumber of profiles
Profiles3 records
Penn National Insurance subsidiaries and ownership
Company hierarchySubsidiaries4 records
Penn National Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Penn National Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Penn National Insurance
What does Penn National Insurance do?
Penn National Insurance is a mutual property-casualty insurance company that underwrites and sells personal lines (auto, home, renters, condo, personal umbrella) and commercial lines (Businessowners Policy, workers' compensation, general liability, commercial auto, cyber liability, EPLI) insurance products, along with surety and fidelity bonds. Products are distributed exclusively through a network of more than 1,200 independent insurance agencies operating across 12 states in the Mid-Atlantic, Southeast, and Midwest.
Is Penn National Insurance a public or private company?
Penn National Insurance is a private company. It is classified as management employee owned and is currently operating.
When was Penn National Insurance founded?
Penn National Insurance was founded in 1919. It employs 501 to 1,000 people.
Where is Penn National Insurance based?
Penn National Insurance is headquartered in Harrisburg, United States, in the North America region.
How does Penn National Insurance make money?
Four revenue lines are on record. Personal Lines Insurance is the primary driver. The others are commercial Lines Insurance, bond Products and specialty Coverages.
Who are Penn National Insurance's main competitors?
Direct peers on record are Erie Insurance, Auto-Owners Insurance, Donegal Group, Selective Insurance Group, Westfield Insurance, Acuity Insurance, Shelter Insurance and Grange Insurance. Broad incumbents are Cincinnati Financial and Hanover Insurance Group.
Does Penn National Insurance have an API?
No public API is recorded for Penn National Insurance.