No one navigates the complexities of insurance better than State National.

About Us

Simplify the complex. Accelerate your success.
With State National, it’s that simple.


Remove barriers to growth. And work hard to make insurance simple — so you can succeed. State National does this by providing you with Collateral Protection Insurance (CPI) that enhances your borrower relationships, and fronting that opens up new market opportunities anywhere in the U.S.

Our Story

State National was founded in 1973 to simplify the complexities of insurance for our clients. From the beginning, our high-quality programs and superior service helped us create a unique insurance company that thrives on strong customer relationships and customized solutions to address the nuances of each customer’s business.

“The cornerstone of our belief is hard work, fairness and taking care of people, so that’s what we’ve done at State National. Because when our clients are successful, we are successful.”

Terry Ledbetter, Chairman and Chief Executive Officer

Our innovative insurance products are the foundation of our Collateral Protection Insurance business. In 1979, we expanded our products to include a fresh perspective on insurance by assuming control of our first insurance company, the genesis for our fronting business. Through a strong history of strategic alliances and acquisitions, State National brings together people and technology to remove barriers.

Lender Services

As the leading insurance carrier in the U.S. specializing in CPI, State National is a single-source solution for lenders. We serve lending institutions and specialty lenders of all sizes, providing cost-effective, tailored solutions that safeguard their assets against losses resulting from uninsured collateral.

Program Services

State National provides capacity by offering broad licensing authority and national access to insurance products and markets so our clients can respond to market opportunities. Fronting is provided through State National Group, comprised of five insurance companies: State National Insurance Company, National Specialty Insurance Company, City National Insurance Company, United Specialty Insurance Company and Independent Specialty Insurance Company.

All five insurance companies are rated “A” (Excellent) by A.M. Best, the insurance industry’s recognized, independent rating organization. Our Best rating has been maintained since the first year of eligibility, affirming a strong capital structure and excellent operating performance.

Headquartered in the Dallas, Texas area, State National provides insurance products and services to clients nationwide. State National wrote over $1.4 billion of gross written premium in 2016 and employs a staff of approximately 400.