Our promise is to provide quality insurance services, with the personal touch and at an economical price, to the rural and small urban communities and farms in our area.

Our goal is to exceed our client’s expectations. 

Town Mutuals were born out of necessity. In the mid to late 1800’s, farmers could not afford to purchase property insurance on their residence, personal property and outbuildings due to the high premiums charged. Stock insurance companies felt that if a farm fire started, it would most likely be a total loss due to the time it took the fire department to arrive on scene. It was for this reason they were reluctant to insure farm property.
To form a company, 25 farmers were needed to insure each other’s losses. During this period many local insurance companies started up throughout Wisconsin. At one time there were over 300 companies. They were called Town Mutuals. They only insured for fire coverage. The idea of neighbor insuring neighbor was born. The policyholders were & are the owners of the company.

These community founded companies were organized and continue to operate under the supervision of a Board of Directors elected by the company policyholders. Officers often know the policyholders personally as they spend their everyday lives among the policyholders. They are friends and neighbors. They attend the same churches, their children attend the same schools, their problems are similar, and their interests are the same.