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
2021 Total Property & Casualty 1.41% $459,705,338 $450,022,816 $264,867,037 $287,396,459 63.86 %
2021 Total Fire & Allied Lines 3.13% $46,743,576 $45,370,941 $21,227,914 $22,394,919 49.36 %
2021 Dwelling Fire & Allied Lines 11.34% $39,529,158 $38,515,389 $17,331,998 $18,284,825 47.47 %
2021 Commercial Fire & Allied Lines 0.47% $2,836,684 $2,630,656 $1,677,853 $1,770,093 67.29 %
2021 Farm Fire & Allied Lines 0.80% $4,377,734 $4,224,896 $2,218,063 $2,340,001 55.39 %
2021 Farmowners Multi-Peril 2.88% $21,030,354 $20,834,829 $10,141,469 $10,614,373 50.95 %
2021 Total Homeowners 1.84% $117,237,921 $114,063,865 $59,560,063 $65,391,495 57.33 %
2021 Homeowners Multi-Peril 1.93% $117,237,921 $114,063,865 $59,560,063 $65,391,495 57.33 %
2021 Commercial Multi-Peril 0.52% $12,619,448 $12,292,765 $6,625,349 $6,966,377 56.67 %
2021 Mobile Homes 3.71% $3,029,297 $2,981,655 $1,986,583 $2,181,086 73.15 %
2021 Inland Marine (Incl Auto Cargo) 0.38% $5,403,429 $5,111,127 $2,417,406 $2,512,104 49.15 %
2021 Earthquake 1.23% $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 0.52% $11,528,191 $11,086,190 $5,401,291 $5,743,355 51.81 %
2021 Products Liability 0.06% $66,755 $66,465 $0 $0 0.00 %
2021 Total Private Passenger Automobile 2.58% $237,217,957 $233,389,664 $156,726,285 $171,500,370 73.48 %
2021 Private Passenger Auto Liability Bodily Injury 1.63% $41,622,294 $41,219,328 $34,861,064 $40,613,245 98.53 %
2021 Private Passenger Auto Liability Property Damage 3.66% $56,820,484 $56,214,320 $32,634,280 $38,019,034 67.63 %
2021 Private Passenger Auto Medical Payments 3.32% $6,217,419 $6,249,752 $3,428,304 $3,993,985 63.91 %
2021 Private Passenger Uninsured Motorists 1.41% $7,302,330 $7,177,227 $5,107,260 $5,949,973 82.90 %
2021 Private Passenger Underinsured Motorists 2.73% $3,534,905 $3,422,200 $2,288,539 $2,666,155 77.91 %
2021 Private Passenger Accidential Death & Disab/Dism 11.64% $556,621 $563,192 $120,000 $139,800 24.82 %
2021 Private Passenger Auto Comprehensive 3.34% $60,500,557 $58,975,910 $34,700,303 $35,512,036 60.21 %
2021 Private Passenger Auto Collision 2.47% $60,663,347 $59,567,735 $43,586,535 $44,606,142 74.88 %
2021 Total Commercial Automobile 0.03% $591,406 $601,413 $645,777 $75,023 12.47 %
2021 Commercial Auto Liability Bodily Injury 0.02% $186,599 $190,459 $509,787 $-38,470 -20.20 %
2021 Commercial Auto Liability Property Damage 0.03% $100,477 $102,555 $16,757 $-1,265 -1.23 %
2021 Commercial Auto Medical Payments 0.22% $35,742 $36,328 $8,001 $-604 -1.66 %
2021 Commercial Auto Uninsured Motorists 0.16% $117,031 $119,018 $-157 $12 0.01 %
2021 Commercial Auto Comprehensive 0.03% $70,641 $71,316 $31,158 $32,266 45.24 %
2021 Commercial Auto Collision 0.02% $80,916 $81,737 $80,231 $83,084 N/A
2021 Burglary & Theft 1.71% $339,680 $338,509 $21,697 $11,357 3.36 %
2020 Total Property & Casualty 1.47% $444,024,995 $440,137,770 $299,024,010 $296,671,906 67.40 %
2020 Total Fire & Allied Lines 3.40% $44,345,669 $43,866,580 $27,986,633 $26,130,729 59.57 %
2020 Dwelling Fire & Allied Lines 10.35% $37,836,601 $37,582,208 $22,015,351 $20,555,426 54.69 %
2020 Commercial Fire & Allied Lines 0.49% $2,425,368 $2,288,498 $2,879,075 $2,688,152 N/A
2020 Farm Fire & Allied Lines 0.92% $4,083,700 $3,995,874 $3,092,207 $2,887,151 72.25 %
2020 Farmowners Multi-Peril 3.05% $20,609,299 $20,567,903 $14,010,354 $15,226,927 74.03 %
2020 Total Homeowners 1.87% $111,511,337 $110,238,235 $85,800,758 $87,527,853 79.40 %
2020 Homeowners Multi-Peril 1.98% $111,511,337 $110,238,235 $85,800,758 $87,527,853 79.40 %
2020 Commercial Multi-Peril 0.55% $12,063,235 $11,838,199 $10,543,023 $9,973,092 84.25 %
2020 Mobile Homes 3.32% $2,945,932 $2,940,612 $2,102,524 $2,144,845 72.94 %
2020 Inland Marine (Incl Auto Cargo) 0.39% $4,798,308 $4,579,274 $1,709,485 $2,010,079 43.90 %
2020 Earthquake 1.29% $3,882,692 $3,896,900 $0 $0 0.00 %
2020 Direct Workers Compensation 0.00% $0 $0 $112,462 $528,527 N/A
2020 Other Liability - Bodily Injury & Property Damage 0.55% $10,516,404 $10,231,465 $6,264,814 $6,491,054 63.44 %
2020 Products Liability 0.07% $62,463 $61,440 $0 $0 0.00 %
2020 Total Private Passenger Automobile 2.64% $232,333,042 $230,959,598 $150,091,492 $145,954,410 63.19 %
2020 Private Passenger Auto Liability Bodily Injury 1.71% $41,838,468 $41,815,999 $38,651,349 $35,889,502 85.83 %
2020 Private Passenger Auto Liability Property Damage 3.69% $57,146,763 $57,116,038 $26,731,295 $26,621,250 46.61 %
2020 Private Passenger Auto Medical Payments 3.44% $6,451,160 $6,533,155 $3,565,533 $3,550,854 54.35 %
2020 Private Passenger Uninsured Motorists 1.49% $7,205,091 $7,145,538 $4,221,658 $4,204,279 58.84 %
2020 Private Passenger Underinsured Motorists 2.28% $3,354,572 $3,275,373 $3,461,175 $3,446,926 N/A
2020 Private Passenger Accidential Death & Disab/Dism 12.01% $576,869 $582,345 $130,001 $129,464 22.23 %
2020 Private Passenger Auto Comprehensive 3.53% $57,461,662 $56,796,694 $39,462,777 $38,807,125 68.33 %
2020 Private Passenger Auto Collision 2.47% $58,298,457 $57,694,456 $33,867,704 $33,305,010 57.73 %
2020 Total Commercial Automobile 0.03% $621,377 $628,477 $380,401 $650,891 N/A
2020 Commercial Auto Liability Bodily Injury 0.02% $197,054 $198,853 $13,500 $72,954 36.69 %
2020 Commercial Auto Liability Property Damage 0.04% $106,106 $107,079 $45,722 $247,084 N/A
2020 Commercial Auto Medical Payments 0.17% $37,401 $37,572 $1,414 $7,639 20.33 %
2020 Commercial Auto Uninsured Motorists 0.20% $123,046 $123,450 $-56 $-303 -0.25 %
2020 Commercial Auto Comprehensive 0.03% $73,427 $74,760 $74,040 $74,895 N/A
2020 Commercial Auto Collision 0.02% $84,343 $86,763 $245,781 $248,622 N/A
2020 Burglary & Theft 1.76% $335,237 $329,087 $22,064 $33,499 10.18 %

Enforcements

The department has not taken enforcement action against this company in the past three years.

Link to Enforcements Page


Complaint Index

Year Line Market Share Number of Complaints Complaint Index
2021 Homeowners 6.47% 30 52
2021 Private Passenger Auto 5.07% 57 71
2020 Private Passenger Auto 5.05% 64 75
2020 Homeowners 6.57% 33 64


Company Changes


Market Conduct

Date: 11/23/2016

SM.pdf


Financial Exams

Date: 06/18/2018

ShelMutICExam.pdf

Date: 06/06/2014

ShelterMutualFE.pdf