Appointed Carrier
Four tiers. One A+ balance sheet.
National General consolidated four underwriting companies into a single product line that runs from non-standard all the way to high-value. A lapse and two tickets, or a $2M house — same carrier, same paper. Which means when your record changes, we move you a tier instead of starting you over somewhere new.
Short Answer
Cribb Insurance Group is an independent agency in Bentonville, Arkansas holding a National General-branded contract — separate from our Allstate-branded contract, though both sit on the same paper. We place eight lines through it: auto, home, renters, condo, landlord, umbrella, RV and commercial auto. The US National General companies are members of Allstate Insurance Group, which AM Best affirmed at A+ (Superior), stable, on August 28, 2025.
One carrier, floor to ceiling.
Most carriers pick a lane. National General merged four underwriting companies into a single product line that covers the entire market — and that's unusual enough to be worth explaining, because it changes what happens to you over time.
National General
Non-standardThe traditional book. Lapses, tickets, claims history — the risks standard paper turns away.
National General NG
StandardThe middle rung, between non-standard and preferred. Where most drivers actually live.
National General 360
PreferredFormerly the Encompass product line. Clean records, package accounts.
National General Premier
High valueHigh-value homes and auto. The top of the ladder.
Why four tiers on one carrier actually matters
Insurance histories aren't static. A lapse ages off. A ticket drops. A teenager becomes a thirty-year-old with a clean MVR and a bigger house. On most carriers, each of those changes means a new company, a new application, and a relationship that starts from zero.
Here it's a tier change. Same carrier, same paper, same agency — we move you up as your record earns it. That continuity is the actual product, and it's the part a price comparison never shows you.
Eight lines through our National General contract.
Not what National General writes nationally — what Cribb Insurance Group can actually place for you in Northwest Arkansas through this contract.
Vehicles
- Auto
- RV
- Commercial auto
Home & property
- Homeowners
- Condo
- Renters
- Landlord
Liability
- Personal umbrella
Where this contract stops
Commercial auto is the only commercial line here. General liability, commercial property, workers' compensation, BOP — none of those come through National General for us. They run through our other commercial markets. Start a commercial quote and we'll tell you which one fits.
Mobile home, motorcycle, ATV and boat aren't on this contract either — those go through our Allstate contract. Same rating unit, different appetite. In a market with Beaver Lake on one side and a side-by-side in half the garages, that's not a footnote.
Seven lines run on both. We can't tell you which wins.
Auto, home, renters, condo, landlord, umbrella and RV are on both of our contracts — the National General one and the Allstate one. Same rating unit. Same A+ balance sheet. Two different doors onto it.
So which one should you be on? Honest answer: nobody knows until it's run. Even though both are Allstate paper, each contract carries its own appetite and its own tier placement. It comes down to coverage and price on your specific risk — your roof, your record, your vehicles, your history. There's no rule of thumb that survives contact with an actual quote.
Which is why the question is the point
Anyone who tells you "Allstate is better than National General" — or the reverse — before looking at your account is guessing, and they're usually guessing in the direction of the only contract they hold.
We hold both. So we don't have to guess, and we don't have a stake in the answer. We run both, put them next to each other, and against the other 40+ markets while we're at it. Then you're looking at the answer instead of somebody's opinion about it.
Four lines that only go one way
Mobile home, motorcycle, ATV and boat are Allstate-contract only. Commercial auto is National General only. Those five aren't a competition — there's one door each, and we'll put you through the right one without making it a discussion.
Cribby knows which rung you're on.
Cribby the Chameleon is our guide to reading a policy in plain English.
A chameleon adapts to where it is — which is the whole idea behind a four-tier carrier. Your coverage should fit where you are now, and move when you do. Cribby's here for the National General conversation: which tier you land on, why, and what it would take to move up.
What the rating tells you, and what it doesn't.
A rating is a solvency opinion, not a claims opinion
Worth being precise about, because the letter gets used as if it means more than it does. AM Best states plainly that a Financial Strength Rating "does not address… an insurer's claims-payment policies or procedures; the ability of the insurer to dispute or deny claims payment" and is not a recommendation to buy or keep any policy.
So A+ tells you the company can pay. It doesn't tell you they'll pay quickly, or pleasantly, or without an argument. Different questions, different sources. Anyone handing you a letter grade as the answer to all of them is handing you a logo.
National General in Arkansas: common questions.
Does Cribb Insurance Group write National General in Arkansas?
Is National General the same company as Allstate?
Is National General financially strong?
What are the National General coverage tiers?
Can National General write me if I have tickets, accidents, or a coverage lapse?
Does National General write general liability or workers' compensation?
How do I get a National General quote in Bentonville or Rogers?
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Send us what you have now.
Declarations pages for whatever you're carrying — auto, home, umbrella, the truck, wherever they're placed. We'll read them back to you in plain English, tell you where each one stops, and quote it across National General's four tiers and 40+ other markets. If what you have is already good, we'll tell you that too.
1601 SW Regional Airport Blvd, Bentonville, AR 72713 📞 (479) 286-1066 ✉️ service@cribbinsurance.com 🕘 Mon–Thu 9:00–5:00
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Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. National General, National General GA, National General 360, National General Premier, Encompass and Allstate are trademarks of Allstate Insurance Company and its affiliates, used here nominatively to identify carriers we represent. This page is authored independently by Cribb Insurance Group and is not written, reviewed, sponsored or endorsed by National General or Allstate. Coverage descriptions are general summaries and are not a contract; whether a particular loss is covered depends on the specific facts and on the provisions, exclusions and limits of the actual policy. Tier placement, coverages, limits, discounts and other features are subject to individuals meeting the carrier's underwriting qualifications and to state availability, and not all features are available in all states. Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations and are not recommendations to purchase, hold or terminate any policy, nor do they address an insurer's claims-handling practices. Statements about Arkansas law are general information, not legal advice. Only the issued policy determines actual terms and conditions of coverage. Nothing on this page is an offer of insurance or a guarantee of coverage or rate.