Key Highlights
- Penn National built this program specifically for chambers and associations — this is not a generic business insurance referral.
- Penn National has returned more than $13.1 million in dividends to group program members.
- As a mutual company, Penn National's interests are aligned with its policyholders — not stockholders.
- Penn National holds an A (Excellent) rating from A.M. Best, providing confidence in the carrier's financial strength.
- Coverage spans business lines, personal auto and home, and surety bonds — making it easy for members to consolidate under one chamber-endorsed carrier.
Our business insurance program has paid participating members millions in dividends, based on group premium and claims experience. Through ChamberChoice, affiliated chambers unlock the Members Advantage Program — built specifically for chambers of commerce and associations.
Partner: Penn National Insurance
Penn National Insurance is a mutual insurance company with more than 106 years of history — owned by its policyholders, not shareholders. That distinction matters: Penn National’s priorities are aligned with the businesses it insures, not with generating returns for outside investors.
What You Receive
Business Insurance
Commercial property, liability, workers’ compensation, and umbrella coverage from an A-rated (Excellent) carrier.
Dividend Program
Access to the Members Advantage dividend program — real money returned to members when the group’s loss experience is favorable.
Personal Lines
Auto and homeowners coverage, giving members a one-stop insurance relationship.
Cyber Liability
Cyber liability coverage — increasingly critical for small and mid-sized businesses.
Safety & Loss Control
Resources including tools, tips, and the HSB Efficiency First program.
Bonds
Surety bonds — commercial, contract, and fidelity/crime bonds for members who need them.
Local Agent Network
Dedicated local independent agents who service Penn National policies and know the community.