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Company Details
SHELTER MUTUAL INSURANCE COMPANY License Status :
Active
NAIC Number :
23388
Phone Number:
5734458441
Company Address:
1817 WEST BROADWAY
COLUMBIA, MO 65218-0001
Description:
Property and Casualty
License Number:
B419067
Date Admitted:
1945-12-31
Market Share
Link to Supplemental Data Page
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Direct Losses Paid | Direct Losses Incurred | Loss Ratio |
|---|---|---|---|---|---|---|---|
| 2023 | Total Property & Casualty | 3.70% | $587,406,889 | $561,188,107 | $485,481,403 | $513,055,965 | 91.42 % |
| 2023 | Total Fire & Allied Lines | 7.53% | $58,501,869 | $57,377,490 | $53,054,757 | $53,732,455 | 93.65 % |
| 2023 | Dwelling Fire & Allied Lines | 20.97% | $48,699,703 | $48,286,912 | $40,362,692 | $40,878,267 | 84.66 % |
| 2023 | Commercial Fire & Allied Lines | 1.36% | $4,381,012 | $3,946,501 | $4,905,584 | $4,968,246 | N/A |
| 2023 | Farm Fire & Allied Lines | 2.43% | $5,421,154 | $5,144,077 | $7,786,481 | $7,885,942 | N/A |
| 2023 | Farmowners Multi-Peril | 10.26% | $24,725,607 | $23,633,233 | $31,572,304 | $33,266,498 | N/A |
| 2023 | Total Homeowners | 4.84% | $144,295,262 | $136,226,379 | $145,961,893 | $159,898,082 | N/A |
| 2023 | Homeowners Multi-Peril | 5.00% | $144,295,262 | $136,226,379 | $145,961,893 | $159,898,082 | N/A |
| 2023 | Commercial Multi-Peril | 1.39% | $15,468,693 | $14,659,149 | $17,653,355 | $17,066,605 | N/A |
| 2023 | Mobile Homes | 10.04% | $3,122,912 | $3,093,848 | $3,862,996 | $4,231,828 | N/A |
| 2023 | Inland Marine (Incl Auto Cargo) | 1.19% | $6,629,095 | $6,347,472 | $3,962,001 | $4,201,224 | 66.19 % |
| 2023 | Earthquake | 3.06% | $4,351,132 | $4,213,151 | $0 | $287 | 0.01 % |
| 2023 | Direct Workers Compensation | 0.00% | $0 | $0 | $923,185 | $140,798 | N/A |
| 2023 | Other Liability - Bodily Injury & Property Damage | 1.36% | $12,950,476 | $12,548,014 | $13,019,387 | $15,629,648 | N/A |
| 2023 | Products Liability | 0.14% | $66,902 | $66,286 | $219,240 | $195,861 | N/A |
| 2023 | Total Private Passenger Automobile | 5.77% | $316,317,845 | $302,074,495 | $214,772,616 | $224,076,403 | 74.18 % |
| 2023 | Private Passenger Auto Liability Bodily Injury | 3.63% | $49,079,636 | $49,009,163 | $41,360,006 | $45,498,763 | 92.84 % |
| 2023 | Private Passenger Auto Liability Property Damage | 7.82% | $78,542,118 | $73,411,152 | $40,893,442 | $44,985,511 | 61.28 % |
| 2023 | Private Passenger Auto Medical Payments | 6.76% | $5,985,174 | $6,048,038 | $3,305,751 | $3,636,546 | 60.13 % |
| 2023 | Private Passenger Uninsured Motorists | 3.39% | $9,684,215 | $9,261,635 | $6,225,035 | $6,847,953 | 73.94 % |
| 2023 | Private Passenger Underinsured Motorists | 4.47% | $5,140,528 | $4,826,400 | $2,630,825 | $2,894,083 | 59.96 % |
| 2023 | Private Passenger Accidential Death & Disab/Dism | 30.86% | $501,435 | $508,899 | $150,133 | $165,156 | 32.45 % |
| 2023 | Private Passenger Auto Comprehensive | 7.72% | $87,524,939 | $82,970,361 | $69,057,122 | $68,965,760 | 83.12 % |
| 2023 | Private Passenger Auto Collision | 5.31% | $79,859,800 | $76,038,847 | $51,150,302 | $51,082,631 | 67.18 % |
| 2023 | Total Commercial Automobile | 0.05% | $543,205 | $549,958 | $458,363 | $581,973 | N/A |
| 2023 | Commercial Auto Liability Bodily Injury | 0.03% | $170,014 | $172,653 | $300,000 | $420,315 | N/A |
| 2023 | Commercial Auto Liability Property Damage | 0.06% | $91,546 | $92,967 | $16,540 | $23,174 | 24.93 % |
| 2023 | Commercial Auto Medical Payments | 0.44% | $32,822 | $33,196 | $4,262 | $5,971 | 17.99 % |
| 2023 | Commercial Auto Uninsured Motorists | 0.26% | $109,839 | $110,760 | $-137 | $-192 | -0.17 % |
| 2023 | Commercial Auto Comprehensive | 0.05% | $64,945 | $65,541 | $73,621 | $70,951 | N/A |
| 2023 | Commercial Auto Collision | 0.04% | $74,039 | $74,841 | $64,077 | $61,754 | 82.51 % |
| 2023 | Burglary & Theft | 5.57% | $433,891 | $398,632 | $21,306 | $34,303 | 8.61 % |
| 2022 | Total Property & Casualty | 3.56% | $514,066,894 | $487,753,241 | $310,091,280 | $325,230,300 | 66.68 % |
| 2022 | Total Fire & Allied Lines | 11.18% | $53,776,799 | $46,909,595 | $24,279,155 | $25,265,364 | 53.86 % |
| 2022 | Dwelling Fire & Allied Lines | 29.49% | $45,649,158 | $39,378,886 | $18,538,903 | $19,291,945 | 48.99 % |
| 2022 | Commercial Fire & Allied Lines | 1.18% | $3,718,917 | $3,267,664 | $3,363,102 | $3,499,710 | N/A |
| 2022 | Farm Fire & Allied Lines | 44.18% | $4,408,724 | $4,263,045 | $2,377,150 | $2,473,709 | 58.03 % |
| 2022 | Farmowners Multi-Peril | 9.91% | $22,572,380 | $21,767,042 | $14,183,359 | $17,389,216 | 79.89 % |
| 2022 | Total Homeowners | 4.77% | $128,959,600 | $122,670,741 | $65,514,713 | $64,454,029 | 52.54 % |
| 2022 | Homeowners Multi-Peril | 4.94% | $128,959,600 | $122,670,741 | $65,514,713 | $64,454,029 | 52.54 % |
| 2022 | Commercial Multi-Peril | 1.39% | $13,899,322 | $13,294,936 | $10,272,629 | $11,653,674 | 87.65 % |
| 2022 | Mobile Homes | 10.51% | $3,088,076 | $3,055,314 | $1,749,703 | $1,721,375 | 56.34 % |
| 2022 | Inland Marine (Incl Auto Cargo) | 1.14% | $6,038,099 | $5,772,855 | $3,380,417 | $2,996,685 | 51.91 % |
| 2022 | Earthquake | 2.99% | $4,103,230 | $3,969,986 | $0 | $-6,000 | -0.15 % |
| 2022 | Direct Workers Compensation | 0.00% | $0 | $0 | $110,577 | $500,000 | N/A |
| 2022 | Other Liability - Bodily Injury & Property Damage | 1.43% | $12,204,133 | $11,975,086 | $8,378,627 | $11,435,959 | 95.50 % |
| 2022 | Products Liability | 0.15% | $66,121 | $65,361 | $58,390 | $448,927 | N/A |
| 2022 | Total Private Passenger Automobile | 5.67% | $268,401,919 | $257,358,499 | $181,961,791 | $188,822,550 | 73.37 % |
| 2022 | Private Passenger Auto Liability Bodily Injury | 3.82% | $46,734,273 | $45,038,023 | $39,086,191 | $42,083,338 | 93.44 % |
| 2022 | Private Passenger Auto Liability Property Damage | 7.46% | $63,829,855 | $61,513,693 | $35,772,383 | $38,515,426 | 62.61 % |
| 2022 | Private Passenger Auto Medical Payments | 6.96% | $6,176,546 | $6,171,391 | $3,536,918 | $3,808,131 | 61.71 % |
| 2022 | Private Passenger Uninsured Motorists | 3.35% | $8,481,885 | $8,135,804 | $7,110,631 | $7,655,877 | 94.10 % |
| 2022 | Private Passenger Underinsured Motorists | 4.94% | $4,309,067 | $4,099,247 | $1,745,500 | $1,879,346 | 45.85 % |
| 2022 | Private Passenger Accidential Death & Disab/Dism | 31.93% | $529,637 | $538,596 | $171,666 | $184,829 | 34.32 % |
| 2022 | Private Passenger Auto Comprehensive | 7.59% | $70,603,243 | $66,699,053 | $44,452,705 | $44,526,575 | 66.76 % |
| 2022 | Private Passenger Auto Collision | 5.22% | $67,737,413 | $65,162,692 | $50,085,797 | $50,169,028 | 76.99 % |
| 2022 | Total Commercial Automobile | 0.06% | $565,993 | $576,605 | $188,243 | $495,883 | 86.00 % |
| 2022 | Commercial Auto Liability Bodily Injury | 0.04% | $177,619 | $181,773 | $0 | $0 | 0.00 % |
| 2022 | Commercial Auto Liability Property Damage | 0.06% | $95,641 | $97,878 | $17,955 | $326,575 | N/A |
| 2022 | Commercial Auto Medical Payments | 0.48% | $34,175 | $34,747 | $0 | $0 | 0.00 % |
| 2022 | Commercial Auto Uninsured Motorists | 0.30% | $113,157 | $115,351 | $-167 | $-3,041 | -2.64 % |
| 2022 | Commercial Auto Comprehensive | 0.05% | $67,663 | $68,514 | $91,684 | $92,703 | N/A |
| 2022 | Commercial Auto Collision | 0.04% | $77,738 | $78,342 | $78,771 | $79,646 | N/A |
| 2022 | Burglary & Theft | 5.39% | $391,222 | $337,221 | $13,676 | $52,638 | 15.61 % |
| 2021 | Total Property & Casualty | 3.46% | $459,705,338 | $450,022,816 | $264,867,037 | $287,396,459 | 63.86 % |
| 2021 | Total Fire & Allied Lines | 7.08% | $46,743,576 | $45,370,941 | $21,227,914 | $22,394,919 | 49.36 % |
| 2021 | Dwelling Fire & Allied Lines | 27.26% | $39,529,158 | $38,515,389 | $17,331,998 | $18,284,825 | 47.47 % |
| 2021 | Commercial Fire & Allied Lines | 0.85% | $2,836,684 | $2,630,656 | $1,677,853 | $1,770,093 | 67.29 % |
| 2021 | Farm Fire & Allied Lines | 2.42% | $4,377,734 | $4,224,896 | $2,218,063 | $2,340,001 | 55.39 % |
| 2021 | Farmowners Multi-Peril | 9.91% | $21,030,354 | $20,834,829 | $10,141,469 | $10,614,373 | 50.95 % |
| 2021 | Total Homeowners | 4.77% | $117,237,921 | $114,063,865 | $59,560,063 | $65,391,495 | 57.33 % |
| 2021 | Homeowners Multi-Peril | 4.96% | $117,237,921 | $114,063,865 | $59,560,063 | $65,391,495 | 57.33 % |
| 2021 | Commercial Multi-Peril | 1.37% | $12,619,448 | $12,292,765 | $6,625,349 | $6,966,377 | 56.67 % |
| 2021 | Mobile Homes | 10.36% | $3,029,297 | $2,981,655 | $1,986,583 | $2,181,086 | 73.15 % |
| 2021 | Inland Marine (Incl Auto Cargo) | 1.15% | $5,403,429 | $5,111,127 | $2,417,406 | $2,512,104 | 49.15 % |
| 2021 | Earthquake | 2.99% | $3,897,324 | $3,885,393 | $0 | $6,000 | 0.15 % |
| 2021 | Direct Workers Compensation | 0.00% | $0 | $0 | $113,203 | $0 | N/A |
| 2021 | Other Liability - Bodily Injury & Property Damage | 1.42% | $11,528,191 | $11,086,190 | $5,401,291 | $5,743,355 | 51.81 % |
| 2021 | Products Liability | 0.16% | $66,755 | $66,465 | $0 | $0 | 0.00 % |
| 2021 | Total Private Passenger Automobile | 5.35% | $237,217,957 | $233,389,664 | $156,726,285 | $171,500,370 | 73.48 % |
| 2021 | Private Passenger Auto Liability Bodily Injury | 3.54% | $41,622,294 | $41,219,328 | $34,861,064 | $40,613,245 | 98.53 % |
| 2021 | Private Passenger Auto Liability Property Damage | 7.06% | $56,820,484 | $56,214,320 | $32,634,280 | $38,019,034 | 67.63 % |
| 2021 | Private Passenger Auto Medical Payments | 6.85% | $6,217,419 | $6,249,752 | $3,428,304 | $3,993,985 | 63.91 % |
| 2021 | Private Passenger Uninsured Motorists | 3.18% | $7,302,330 | $7,177,227 | $5,107,260 | $5,949,973 | 82.90 % |
| 2021 | Private Passenger Underinsured Motorists | 4.57% | $3,534,905 | $3,422,200 | $2,288,539 | $2,666,155 | 77.91 % |
| 2021 | Private Passenger Accidential Death & Disab/Dism | 32.99% | $556,621 | $563,192 | $120,000 | $139,800 | 24.82 % |
| 2021 | Private Passenger Auto Comprehensive | 7.02% | $60,500,557 | $58,975,910 | $34,700,303 | $35,512,036 | 60.21 % |
| 2021 | Private Passenger Auto Collision | 5.08% | $60,663,347 | $59,567,735 | $43,586,535 | $44,606,142 | 74.88 % |
| 2021 | Total Commercial Automobile | 0.07% | $591,406 | $601,413 | $645,777 | $75,023 | 12.47 % |
| 2021 | Commercial Auto Liability Bodily Injury | 0.04% | $186,599 | $190,459 | $509,787 | $-38,470 | -20.20 % |
| 2021 | Commercial Auto Liability Property Damage | 0.08% | $100,477 | $102,555 | $16,757 | $-1,265 | -1.23 % |
| 2021 | Commercial Auto Medical Payments | 0.54% | $35,742 | $36,328 | $8,001 | $-604 | -1.66 % |
| 2021 | Commercial Auto Uninsured Motorists | 0.40% | $117,031 | $119,018 | $-157 | $12 | 0.01 % |
| 2021 | Commercial Auto Comprehensive | 0.07% | $70,641 | $71,316 | $31,158 | $32,266 | 45.24 % |
| 2021 | Commercial Auto Collision | 0.05% | $80,916 | $81,737 | $80,231 | $83,084 | N/A |
| 2021 | Burglary & Theft | 4.99% | $339,680 | $338,509 | $21,697 | $11,357 | 3.36 % |
Enforcements
The department has not taken enforcement action against this company in the past three years.
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2023 | Private Passenger Auto | 5.61% | 41 | 42 |
| 2023 | Homeowners | 6.37% | 37 | 47 |
| 2022 | Private Passenger Auto | 5.51% | 42 | 51 |
| 2022 | Homeowners | 6.42% | 30 | 49 |
| 2021 | Private Passenger Auto | 5.37% | 57 | 71 |
| 2021 | Homeowners | 6.47% | 30 | 52 |
Company Changes
Market Conduct
Date: 11/23/2016
Financial Exams
Date: 06/18/2018
Date: 06/06/2014
Date: 05/01/2023
Order and Exam Report - Shelter Mutual Insurance Company.pdf