Company Details

  SHELTER MUTUAL INSURANCE COMPANY License Status :
Active

NAIC Number :

23388


Phone Number:

573-445-8441


Company Address:

COORDINATOR OF INS DEPT AFFAIRS 1817 W 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 Earned Direct Premium Written Direct Losses Paid Direct Losses Incurred Loss Ratio
2018 Total Property & Casualty 0.88% $414,024,641 $407,312,355 $226,996,080 $225,051,803 55.25 %
2018 Total Fire & Allied Lines 1.95% $41,845,503 $41,202,351 $18,388,163 $17,709,301 42.98 %
2018 Dwelling Fire & Allied Lines 5.45% $36,138,353 $35,691,590 $16,109,641 $15,514,899 43.47 %
2018 Commercial Fire & Allied Lines 0.31% $2,041,080 $1,971,825 $873,730 $841,473 42.67 %
2018 Farm Fire & Allied Lines 0.44% $3,666,070 $3,538,936 $1,404,792 $1,352,929 38.23 %
2018 Farmowners Multi-Peril 2.25% $20,041,447 $19,946,215 $8,907,067 $8,992,804 45.09 %
2018 Total Homeowners 1.20% $104,706,876 $101,888,772 $55,719,839 $46,479,861 45.62 %
2018 Homeowners Multi-Peril 1.25% $104,706,876 $101,888,772 $55,719,839 $46,479,861 45.62 %
2018 Commercial Multi-Peril 0.32% $11,044,041 $10,801,884 $4,929,096 $4,991,215 46.21 %
2018 Mobile Homes 1.86% $2,923,275 $2,913,190 $1,386,360 $1,156,461 39.70 %
2018 Inland Marine (Incl Auto Cargo) 0.18% $3,997,448 $3,878,527 $1,420,744 $1,322,091 34.09 %
2018 Earthquake 0.89% $3,875,274 $3,874,249 $0 $0 0.00 %
2018 Direct Workers Compensation 0.00% $0 $0 $92,904 $239,927 N/A
2018 Other Liability - Bodily Injury & Property Damage 0.30% $9,694,607 $9,587,650 $2,625,837 $3,030,530 31.61 %
2018 Products Liability 0.04% $57,997 $57,499 $0 $0 0.00 %
2018 Total Private Passenger Automobile 1.56% $214,852,195 $212,163,556 $133,275,069 $141,043,817 66.48 %
2018 Private Passenger Auto Liability Bodily Injury 1.10% $39,881,921 $39,668,422 $32,066,014 $35,624,774 89.81 %
2018 Private Passenger Auto Liability Property Damage 1.89% $54,463,831 $54,172,655 $28,642,369 $31,870,859 58.83 %
2018 Private Passenger Auto Medical Payments 2.10% $6,714,260 $6,702,011 $4,244,853 $4,723,321 70.48 %
2018 Private Passenger Uninsured Motorists 1.40% $6,880,808 $6,838,688 $4,404,911 $4,901,421 71.67 %
2018 Private Passenger Underinsured Motorists 0.68% $2,892,990 $2,849,477 $897,000 $998,107 35.03 %
2018 Private Passenger Accidential Death & Disab/Dism 6.69% $616,422 $622,331 $262,041 $291,576 46.85 %
2018 Private Passenger Auto Comprehensive 2.06% $51,197,771 $50,128,787 $27,518,048 $27,463,624 54.79 %
2018 Private Passenger Auto Collision 1.46% $52,204,192 $51,181,185 $35,239,833 $35,170,135 68.72 %
2018 Total Commercial Automobile 0.02% $675,067 $693,043 $227,894 $68,031 9.82 %
2018 Commercial Auto Liability Bodily Injury 0.01% $209,819 $217,299 $11,500 $-39,923 -18.37 %
2018 Commercial Auto Liability Property Damage 0.02% $112,979 $117,007 $17,959 $-62,348 -53.29 %
2018 Commercial Auto Medical Payments 0.11% $38,936 $39,584 $6,369 $-22,111 -55.86 %
2018 Commercial Auto Uninsured Motorists 0.14% $123,488 $125,928 $-262 $910 0.72 %
2018 Commercial Auto Comprehensive 0.03% $85,232 $86,962 $70,125 $69,824 80.29 %
2018 Commercial Auto Collision 0.02% $104,613 $106,263 $122,203 $121,679 N/A
2018 Burglary & Theft 1.02% $310,911 $305,419 $23,107 $17,765 5.82 %
2017 Total Property & Casualty 1.71% $392,244,494 $387,752,975 $267,305,062 $268,500,323 69.25 %
2017 Total Fire & Allied Lines 3.85% $40,728,325 $40,290,576 $26,065,293 $25,707,134 63.80 %
2017 Dwelling Fire & Allied Lines 10.40% $35,413,835 $35,059,259 $22,754,285 $22,441,623 64.01 %
2017 Commercial Fire & Allied Lines 0.70% $1,854,541 $1,839,831 $1,054,795 $1,040,301 56.54 %
2017 Farm Fire & Allied Lines 0.76% $3,459,949 $3,391,486 $2,256,213 $2,225,210 65.61 %
2017 Farmowners Multi-Peril 4.21% $19,899,061 $19,910,746 $15,528,421 $14,561,343 73.13 %
2017 Total Homeowners 2.41% $99,113,495 $100,382,283 $71,073,742 $75,581,484 75.29 %
2017 Homeowners Multi-Peril 2.53% $99,113,495 $100,382,283 $71,073,742 $75,581,484 75.29 %
2017 Commercial Multi-Peril 0.58% $10,609,890 $10,504,980 $7,844,195 $8,363,688 79.62 %
2017 Mobile Homes 3.66% $2,878,790 $2,880,190 $2,477,314 $2,634,433 91.47 %
2017 Inland Marine (Incl Auto Cargo) 0.34% $3,730,273 $3,588,413 $2,054,923 $2,031,998 56.63 %
2017 Earthquake 1.89% $3,888,552 $3,745,485 $0 $0 0.00 %
2017 Direct Workers Compensation 0.00% $0 $0 $87,681 $121,234 N/A
2017 Other Liability - Bodily Injury & Property Damage 0.54% $9,231,487 $9,140,543 $6,234,749 $2,543,987 27.83 %
2017 Products Liability 0.07% $57,110 $61,108 $0 $0 0.00 %
2017 Total Private Passenger Automobile 3.11% $201,105,403 $196,258,513 $135,565,186 $136,219,742 69.41 %
2017 Private Passenger Auto Liability Bodily Injury 2.29% $38,168,093 $37,395,555 $33,175,492 $32,817,897 87.76 %
2017 Private Passenger Auto Liability Property Damage 3.89% $52,111,316 $51,056,232 $26,349,210 $27,299,179 53.47 %
2017 Private Passenger Auto Medical Payments 4.16% $6,523,587 $6,417,817 $4,316,043 $4,471,649 69.68 %
2017 Private Passenger Uninsured Motorists 2.91% $6,758,345 $6,732,518 $4,533,719 $4,697,174 69.77 %
2017 Private Passenger Underinsured Motorists 1.52% $2,859,870 $2,883,957 $1,105,541 $1,145,399 39.72 %
2017 Private Passenger Accidential Death & Disab/Dism 13.32% $639,014 $645,899 $151,201 $156,651 24.25 %
2017 Private Passenger Auto Comprehensive 3.89% $45,956,008 $44,096,061 $35,864,599 $35,700,226 80.96 %
2017 Private Passenger Auto Collision 2.81% $48,089,170 $47,030,474 $30,069,381 $29,931,567 63.64 %
2017 Total Commercial Automobile 0.05% $704,677 $719,568 $349,002 $722,448 N/A
2017 Commercial Auto Liability Bodily Injury 0.03% $219,884 $225,570 $35,100 $129,979 57.62 %
2017 Commercial Auto Liability Property Damage 0.05% $118,399 $121,461 $40,498 $149,969 N/A
2017 Commercial Auto Medical Payments 0.25% $40,688 $41,197 $26,353 $97,587 N/A
2017 Commercial Auto Uninsured Motorists 0.29% $128,418 $130,366 $36,464 $135,030 N/A
2017 Commercial Auto Comprehensive 0.05% $88,467 $90,269 $119,705 $119,305 N/A
2017 Commercial Auto Collision 0.04% $108,821 $110,705 $90,882 $90,578 81.82 %
2017 Burglary & Theft 1.84% $297,431 $270,570 $24,556 $12,832 4.74 %
2016 Total Property & Casualty 1.73% $378,871,350 $373,001,559 $205,336,834 $212,799,955 57.05 %
2016 Total Fire & Allied Lines 3.92% $39,905,819 $38,841,714 $17,193,499 $16,969,299 43.69 %
2016 Dwelling Fire & Allied Lines 9.96% $34,831,850 $33,928,320 $15,028,190 $14,832,225 43.72 %
2016 Commercial Fire & Allied Lines 0.71% $1,804,842 $1,740,670 $723,911 $714,471 41.05 %
2016 Farm Fire & Allied Lines 0.79% $3,269,127 $3,172,724 $1,441,398 $1,422,603 44.84 %
2016 Farmowners Multi-Peril 4.80% $20,006,165 $19,706,545 $7,160,350 $8,072,227 40.96 %
2016 Total Homeowners 2.55% $102,238,393 $101,194,211 $46,032,365 $46,109,947 45.57 %
2016 Homeowners Multi-Peril 2.67% $102,238,393 $101,194,211 $46,032,365 $46,109,947 45.57 %
2016 Commercial Multi-Peril 0.58% $10,389,196 $10,266,036 $3,085,428 $2,984,114 29.07 %
2016 Mobile Homes 3.64% $2,901,839 $2,779,817 $1,237,041 $1,239,126 44.58 %
2016 Inland Marine (Incl Auto Cargo) 0.33% $3,468,357 $3,368,337 $1,630,205 $1,639,337 48.67 %
2016 Earthquake 1.87% $3,686,572 $4,060,221 $0 $0 0.00 %
2016 Direct Workers Compensation 0.00% $0 $0 $90,322 $90,322 N/A
2016 Other Liability - Bodily Injury & Property Damage 0.66% $9,106,109 $8,997,839 $3,994,473 $8,884,693 98.74 %
2016 Products Liability 0.09% $65,710 $50,738 $0 $0 0.00 %
2016 Total Private Passenger Automobile 3.13% $186,105,049 $182,677,178 $124,289,982 $126,622,550 69.31 %
2016 Private Passenger Auto Liability Bodily Injury 2.36% $35,600,826 $34,964,626 $29,326,403 $30,272,000 86.58 %
2016 Private Passenger Auto Liability Property Damage 3.91% $48,610,112 $47,740,587 $25,710,833 $26,540,794 55.59 %
2016 Private Passenger Auto Medical Payments 4.08% $6,229,399 $6,177,316 $4,264,423 $4,402,082 71.26 %
2016 Private Passenger Uninsured Motorists 3.18% $6,660,049 $6,631,732 $3,435,912 $3,546,826 53.48 %
2016 Private Passenger Underinsured Motorists 1.72% $2,918,836 $2,897,437 $1,570,249 $1,620,938 55.94 %
2016 Private Passenger Accidential Death & Disab/Dism 13.55% $672,464 $681,777 $144,514 $149,178 21.88 %
2016 Private Passenger Auto Comprehensive 3.70% $40,801,478 $39,856,248 $29,179,622 $29,303,037 73.52 %
2016 Private Passenger Auto Collision 2.85% $44,611,885 $43,727,455 $30,658,026 $30,787,695 70.41 %
2016 Total Commercial Automobile 0.06% $746,599 $780,833 $593,481 $152,585 19.54 %
2016 Commercial Auto Liability Bodily Injury 0.04% $236,442 $248,161 $473,000 $58,791 23.69 %
2016 Commercial Auto Liability Property Damage 0.06% $127,315 $133,624 $33,934 $4,218 3.16 %
2016 Commercial Auto Medical Payments 0.27% $42,220 $43,678 $1,042 $129 0.30 %
2016 Commercial Auto Uninsured Motorists 0.33% $133,366 $137,870 $-4,875 $-606 -0.44 %
2016 Commercial Auto Comprehensive 0.06% $93,319 $100,843 $30,351 $30,241 29.99 %
2016 Commercial Auto Collision 0.05% $113,937 $116,657 $60,029 $59,812 51.27 %
2016 Burglary & Theft 1.75% $251,542 $278,090 $29,688 $35,755 12.86 %

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
2018 Private Passenger Auto 4.97% 55 56
2018 Homeowners 6.75% 36 60
2017 Homeowners 6.86% 32 49
2017 Private Passenger Auto 5.00% 57 52
2016 Private Passenger Auto 5.07% 61 54
2016 Homeowners 7.00% 48 64


Company Changes

Effective Date: 06/06/2014

Comments:

Effective Date: 11/23/2016

Comments:

Effective Date: 06/18/2018

Comments:


Market Conduct

Date: 11/23/2016

SM.pdf


Financial Exams

Date: 06/18/2018

ShelMutICExam.pdf

Date: 06/06/2014

ShelterMutualFE.pdf