Demotech A
A.M. Best B
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What types of Insurance does Great Northwest provide?
Great Northwest provides auto, home, and small business insurance.
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Where is Great Northwest insurance available?
Great Northwest currently operates in AZ, ID, IN, LA, MN, MT, ND, NE, NM, NV, OK, OR, SD, TN, UT, WA, and WI.
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What is Great Northwest's rating?
Great Northwest is rated B by A.M. Best and A by Demotech.
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How long has Great Northwest been in business?
Great Northwest has been operating its industry-leading model of superior service and lower costs since
1994.
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How can Great Northwest offer superior service AND lower costs?
Great Northwest has turned the insurance industry on its head. While other companies have eliminated
their agents and compel their customers to deal with faceless 1-800 "customer service"
voices, Great Northwest eliminated the home office and empowers its agents to manage 100% of their
customers' insurance needs.
This revolutionary model is called the Micro-Insurance Company® (MIC).
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What is a MIC?
A MIC is an agency that has been given the authority and has accepted the responsibility to
actively support the needs of their customers by performing 100% of the custom service
functions at the site of their agency.
The MIC model...
- Eliminates the duplication inherent in the old line company business model;
- Streamlines the underwriting and claims functions;
- Provides the agency with real time customer service technology; and
- Eliminates all branch office expenses and most home office expenses.
The net effects are lower costs and improved service.
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How are MICs organized?
Each location is formed into a mutually supportive community of entrepreneurs. This
community is made up of a MIC that is the main organizing and management unit. Additional
community members are a local independent insurance adjustor, an auto repair shop, a glass
repair shop, and a fire and smoke clean-up organization. As a MIC grows, there will be
other members such as a local attorney and additional contractors.
All customer functions and interaction is handled by the MIC. Great Northwest operates a Quality Control Center (QCC) that provides the tools and support that empowers the local MIC's to operate effictively.
Each MIC chooses an Underwriting and Claims Manager (UCM), who is responsible for the
success of Great Northwest within the MIC. The UCM manages all of the underwriting and claims
administration within the MIC.
Each UCM and principal is, in turn, part of a state team. These state teams are responsible
for second tier underwriting guidelines, general new MIC screening, communicating state
issues and concerns, and general quality control of MIC's performance.
This organizational structure allows for the ultimate in flexibility, responsiveness, and
cost reduction.
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