About Us
At Penn National Insurance, we're on a mission to help people feel secure and make life better when bad things happen.
For over 107 years, we've been a trusted partner to individuals, families and businesses because we are a mutual insurance company where service and support for our policyholders are at the heart of everything we do.
We market our products through a network of 1,200 independent agency operations in 13 states.
If you’re ready to feel secure, search for an agent near you and get started with Penn National Insurance today.
Regional Strength. Local Presence.
Our regional structure allows us to respond to the needs of our agents and policyholders on a local level. Our underwriters and claims adjusters are close to our agents and policyholders, ready to serve them when they need us most.
Our territory includes Alabama, Delaware, Iowa, Maryland, Minnesota, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin.
We have local offices in Pittsburgh, Pa., Nashville, Tenn., Greensboro, N.C., Harrisburg, Pa. and Lawrenceville, N.J.
Our affiliate, Partners Mutual Insurance Company, serves Iowa, Minnesota and Wisconsin from our regional office located in Waukesha, Wis.
At a Glance
- We employ more than 800 people
- We sell through more than 1,200 independent agency operations in 13 states
- We were founded in 1919
- Our principal lines of business are Personal Automobile, Commercial Automobile, Other Liability, and Homeowners
- We have a financial strength rating of A (Excellent) with a Stable Outlook from A.M. Best
Key Financial Metrics (as of 12/31/25)
- Admitted Assets: $2.4 billion
- Policyholder Surplus: $930.2 million
- Net Premium to Surplus: 1.0
- Net Leverage Ratio: 2.6
Our Executive Team
Robert B. Brandon, Chief Executive Officer (retiring July 2026)
Robert B. Brandon, CPCU, is currently serving as Chief Executive Officer (CEO) of Penn National Insurance and will retire from the company in July 2026.
Brandon joined Penn National Insurance in 1995 as a property underwriting line of business manager. He was named director of Commercial Lines Underwriting in 1997 and promoted to Regional Vice President of the company’s Harrisburg Branch Office in 1999. He was named Vice President of Commercial Lines in 2002, and Vice President of Underwriting Operations in 2005. In 2010, he was elected Senior Vice President of Underwriting Operations. He was elected President & CEO in 2020.
Brandon is a graduate of Millersville University, Millersville, Pa., with a bachelor’s degree in political science. He holds the Chartered Property Casualty Underwriter and Associate in Risk Management professional designations. He completed the Insurance Executive Development Program at the Wharton School, University of Pennsylvania.
John V. Foster, President
John V. Foster is currently serving as President of Penn National Insurance. He will assume the role of President and Chief Executive Officer upon the retirement of current CEO, Robert B. Brandon, in July 2026.
Foster previously served as Senior Vice President of Insurance Operations, a position he assumed in 2020. Prior roles since joining the company in 2006 include Vice President, Underwriting Operations and Vice President of (Personal Lines Division. Before joining the company, he served as Assistant Vice President, Personal Lines at Grange Mutual Insurance. His industry experience includes senior product management, underwriting, and pricing roles at GEICO Direct, along with district management responsibilities for Erie Insurance Group.
Foster holds a bachelor’s degree in economics from Penn State University and an M.B.A. from Frostburg State University. He completed the AICPCU Executive Development Program at The Wharton School, University of Pennsylvania, and earned the Associate in Risk Management designation from The Institutes.
Jacquelyn (Jackie) M. Anderson, Senior Vice President, Chief Financial Officer & Treasurer
Jacquelyn M. Anderson, CPCU, CPA, was elected Senior Vice President, CFO and Treasurer in July 2016. She joined Penn National Insurance in 2012 as Director of Internal Audit. Prior to joining the company, she worked for Brown, Schultz, Sheridan and Fritz, specializing in the audits of property and casualty insurance companies.
Anderson attended Harrisburg Area Community College and is a graduate of The Pennsylvania State University with a bachelor's degree in professional accountancy. She is a licensed Certified Public Accountant and Chartered Property Casualty Underwriter. She completed the Advanced Finance Program at the Wharton School, University of Pennsylvania.
Randal (Randy) Mancini, Senior Vice President, Insurance Operations
Randy Mancini was elected Senior Vice President of Insurance Operations in January 2026. He oversees Commercial and Personal Lines Underwriting, Field Operations, Distribution and Claims. Before assuming his current role, as Vice President of Field Operations, he managed all agency facing roles, including the company's six regional branch offices (underwriting, sales, and agency management), as well as premium audit and loss control functions.
Since joining Penn National Insurance 25 years ago, Mancini has held a number of leadership roles with the company including Vice President, Commercial Lines, and Regional Vice President of the Harrisburg branch office.
He holds a bachelor’s degree in economics from the University of Pittsburgh and a Master of Science in Organizational Leadership from Quinnipiac University.
Kelly Miller, Vice President, Human Resources
Kelly Miller was appointed Vice President of Human Resources in 2023, bringing more than two decades of progressive HR leadership experience to the role. Since joining the company in 2001, she has held a variety of positions across the Human Resources function.
Throughout her tenure, Miller has been instrumental in modernizing HR systems and practices, including leading the successful implementation of Oracle’s enterprise technology platform for Human Resources. She has elevated the organization’s learning and development programs, expanding access to growth opportunities and supporting a culture of continuous improvement. Additionally, she has strengthened the company’s Total Rewards framework, ensuring its alignment with the broader Talent Management Strategy.
Mike Watts, Chief Information Officer
Mike Watts has been a dedicated member of the Penn National Insurance team since 1996, bringing a wealth of experience in both business and IT roles. In 2017, he took on the role of Vice President of Information Technology, and in 2021, he was promoted to Chief Information Officer (CIO).
In his role, Watts oversees application support, infrastructure, enterprise architecture, the enterprise data warehouse, the information security unit, and the project management office. Under his leadership, the IT department has implemented several innovative solutions that have significantly improved operational efficiency and customer satisfaction.
A proud Penn State University graduate, Watts also holds an MBA from Shippensburg University. His commitment to continuous learning is evident through his numerous designations from The Institutes and his Certified Government CIO credential from Harrisburg University. His passion for technology and strategic thinking has been instrumental in driving the company's digital transformation initiatives.
Karen C. Yarrish, Senior Vice President, Legal; Secretary; General Counsel
Karen C. Yarrish oversees Penn National Insurance’s legal strategy, corporate governance, compliance programs, and industry relations. She serves as a key advisor to the CEO and Board of Directors, helping guide the organization through an evolving regulatory and business landscape.
Yarrish joined Penn National Insurance in 1990 as a legal intern before advancing to Associate Counsel. In 1997, she was promoted to Vice President, Legal and Assistant Secretary, where she expanded the company’s legal capabilities and strengthened its compliance functions. She was appointed Vice President, Secretary, and General Counsel in 2007 and has served in her current role since 2010.
Throughout her tenure, Yarrish has been recognized for her commitment to strong corporate governance, ethical leadership, and strategic legal insight in support of Penn National Insurance’s long-term stability and growth.
Annual Reports
2024 We protect people and businesses from the financial consequences of risk.
2023 Positioned to successfully meet the challenges facing the industry. Today and tomorrow.
2022 Relationship Driven.
