• As a mutual, we have no stockholders. Policyholders own the company. This means we can focus on protecting people from loss rather than on generating stockholder returns.
  • Each policyholder is entitled to one vote at our annual meeting or any special meeting of members. You have a direct influence on decision-making affecting policyholders.
  • Our local presence and expertise allows us to customize our protection and loss coverage products. We work hard to understand our customers better than anyone else.
  • Profits generated by the company are returned to policyholders in the form of lower premiums and support of the community through loss prevention programs and investment.
  • We have a staff culture that rewards innovation and professional development. We continually strive to improve products and service delivery to policyholders and brokers.