New markets. Unique opportunities. Additional capacity. Increased profits. Control your destiny with State National’s fronting model. We let you create and manage your insurance program in alignment with your business strategy. As the nationally recognized leader in fronting, we provide the paper — so that you can do what you do best.

Unparalleled autonomy.

Maximize your competitive edge by designing, controlling, and owning your program.


Nationwide authority.

State National’s Program Services division grants you full access and authority to “A”-rated paper in all 50 states through our three admitted carriers — State National Insurance Company, National Specialty Insurance Company, and City National Insurance Company — as well as our two excess and surplus lines carriers: United Specialty Insurance Company and Independent Specialty Insurance Company. AM Best has assigned the State National Group a Financial Size Category (FSC) of IX.

“With State National, I never have to worry about my carrier’s long-term commitment to the program market. It’s what they have been doing for almost 50 years.”

Nationwide Program Manager

Keep it simple.

Say goodbye to time- and data-intensive uploads. We know your time is better spent satisfying customers.


Superior service.

A lot of companies talk about service. We live it. Our experienced staff is given the authority to enable our clients, which means you don’t get stuck in endless bureaucracy.



We know who we are and, equally important, we know who we aren’t. We don’t want to be everything to everybody. We want to be integral to our customers’ success.


Efficient and effective.

By allowing program managers, reinsurers, and insurance carrier partners to collaborate directly, we offer the most freedom and resources at a reasonable cost.

Fronting Contacts

Daniel Case, EVP
Phone: 817.265.2000 Ext. 1204

Tim Poeton, SVP
Phone: 201.618.5579

Lisa Ristani, SVP
Phone: 310.903.2152

Portfolio Protection

Safeguard your business, streamline your claims, and improve your customer service with State National’s industry-leading array of portfolio protection tools.

Learn More