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Penn National Insurance sells property-casualty insurance (business insurance, personal auto, homeowners, umbrella, etc.) and surety bonds through independent agents in nine states: PA, MD, DE, NJ, VA, NC, SC, TN & AL (personal auto, homeowners, and personal umbrella insurance not available in DE, SC or AL). We sell through more than 700 independent insurance agencies. For a policy quote and professional insurance consultation, contact a local independent agent who represents us. Check your Yellow Pages or use the Agent Finder to the right. We rank in the top 8 percent out of more than 1,000 U.S. property-casualty insurance groups (based on net premiums written). Our chairman of the board & CEO is Dennis C. Rowe, CPCU, and our president and COO is Kenneth Shutts, Esq. Our financial rating from the A.M. Best Company (the leading rating organization for property-casualty insurance industry) is "A-, Excellent." We were founded in Harrisburg, Pa., (where we still operate our headquarters) in 1919, by a farmers' association that was dissatisfied with the high cost of workers' compensation insurance. Within a few years, our company began offering other types of insurance and quickly grew into a full-service company.