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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 |
|---|---|---|---|---|---|---|---|
| 2022 | Total Property & Casualty | 1.42% | $514,066,894 | $487,753,241 | $310,091,280 | $325,230,300 | 66.68 % |
| 2022 | Total Fire & Allied Lines | 4.56% | $53,776,799 | $46,909,595 | $24,279,155 | $25,265,364 | 53.86 % |
| 2022 | Dwelling Fire & Allied Lines | 10.25% | $45,649,158 | $39,378,886 | $18,538,903 | $19,291,945 | 48.99 % |
| 2022 | Commercial Fire & Allied Lines | 0.53% | $3,718,917 | $3,267,664 | $3,363,102 | $3,499,710 | N/A |
| 2022 | Farm Fire & Allied Lines | 11.94% | $4,408,724 | $4,263,045 | $2,377,150 | $2,473,709 | 58.03 % |
| 2022 | Farmowners Multi-Peril | 2.77% | $22,572,380 | $21,767,042 | $14,183,359 | $17,389,216 | 79.89 % |
| 2022 | Total Homeowners | 1.75% | $128,959,600 | $122,670,741 | $65,514,713 | $64,454,029 | 52.54 % |
| 2022 | Homeowners Multi-Peril | 1.83% | $128,959,600 | $122,670,741 | $65,514,713 | $64,454,029 | 52.54 % |
| 2022 | Commercial Multi-Peril | 0.52% | $13,899,322 | $13,294,936 | $10,272,629 | $11,653,674 | 87.65 % |
| 2022 | Mobile Homes | 3.62% | $3,088,076 | $3,055,314 | $1,749,703 | $1,721,375 | 56.34 % |
| 2022 | Inland Marine (Incl Auto Cargo) | 0.38% | $6,038,099 | $5,772,855 | $3,380,417 | $2,996,685 | 51.91 % |
| 2022 | Earthquake | 1.17% | $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 | 0.53% | $12,204,133 | $11,975,086 | $8,378,627 | $11,435,959 | 95.50 % |
| 2022 | Products Liability | 0.06% | $66,121 | $65,361 | $58,390 | $448,927 | N/A |
| 2022 | Total Private Passenger Automobile | 2.63% | $268,401,919 | $257,358,499 | $181,961,791 | $188,822,550 | 73.37 % |
| 2022 | Private Passenger Auto Liability Bodily Injury | 1.73% | $46,734,273 | $45,038,023 | $39,086,191 | $42,083,338 | 93.44 % |
| 2022 | Private Passenger Auto Liability Property Damage | 3.65% | $63,829,855 | $61,513,693 | $35,772,383 | $38,515,426 | 62.61 % |
| 2022 | Private Passenger Auto Medical Payments | 3.12% | $6,176,546 | $6,171,391 | $3,536,918 | $3,808,131 | 61.71 % |
| 2022 | Private Passenger Uninsured Motorists | 1.46% | $8,481,885 | $8,135,804 | $7,110,631 | $7,655,877 | 94.10 % |
| 2022 | Private Passenger Underinsured Motorists | 2.78% | $4,309,067 | $4,099,247 | $1,745,500 | $1,879,346 | 45.85 % |
| 2022 | Private Passenger Accidential Death & Disab/Dism | 9.87% | $529,637 | $538,596 | $171,666 | $184,829 | 34.32 % |
| 2022 | Private Passenger Auto Comprehensive | 3.46% | $70,603,243 | $66,699,053 | $44,452,705 | $44,526,575 | 66.76 % |
| 2022 | Private Passenger Auto Collision | 2.43% | $67,737,413 | $65,162,692 | $50,085,797 | $50,169,028 | 76.99 % |
| 2022 | Total Commercial Automobile | 0.02% | $565,993 | $576,605 | $188,243 | $495,883 | 86.00 % |
| 2022 | Commercial Auto Liability Bodily Injury | 0.02% | $177,619 | $181,773 | $0 | $0 | 0.00 % |
| 2022 | Commercial Auto Liability Property Damage | 0.02% | $95,641 | $97,878 | $17,955 | $326,575 | N/A |
| 2022 | Commercial Auto Medical Payments | 0.18% | $34,175 | $34,747 | $0 | $0 | 0.00 % |
| 2022 | Commercial Auto Uninsured Motorists | 0.12% | $113,157 | $115,351 | $-167 | $-3,041 | -2.64 % |
| 2022 | Commercial Auto Comprehensive | 0.02% | $67,663 | $68,514 | $91,684 | $92,703 | N/A |
| 2022 | Commercial Auto Collision | 0.02% | $77,738 | $78,342 | $78,771 | $79,646 | N/A |
| 2022 | Burglary & Theft | 1.84% | $391,222 | $337,221 | $13,676 | $52,638 | 15.61 % |
| 2021 | Total Property & Casualty | 1.37% | $459,705,338 | $450,022,816 | $264,867,037 | $287,396,459 | 63.86 % |
| 2021 | Total Fire & Allied Lines | 2.97% | $46,743,576 | $45,370,941 | $21,227,914 | $22,394,919 | 49.36 % |
| 2021 | Dwelling Fire & Allied Lines | 9.68% | $39,529,158 | $38,515,389 | $17,331,998 | $18,284,825 | 47.47 % |
| 2021 | Commercial Fire & Allied Lines | 0.46% | $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 | 2.80% | $21,030,354 | $20,834,829 | $10,141,469 | $10,614,373 | 50.95 % |
| 2021 | Total Homeowners | 1.74% | $117,237,921 | $114,063,865 | $59,560,063 | $65,391,495 | 57.33 % |
| 2021 | Homeowners Multi-Peril | 1.83% | $117,237,921 | $114,063,865 | $59,560,063 | $65,391,495 | 57.33 % |
| 2021 | Commercial Multi-Peril | 0.51% | $12,619,448 | $12,292,765 | $6,625,349 | $6,966,377 | 56.67 % |
| 2021 | Mobile Homes | 3.57% | $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 | 1.18% | $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 | 2.46% | $237,217,957 | $233,389,664 | $156,726,285 | $171,500,370 | 73.48 % |
| 2021 | Private Passenger Auto Liability Bodily Injury | 1.58% | $41,622,294 | $41,219,328 | $34,861,064 | $40,613,245 | 98.53 % |
| 2021 | Private Passenger Auto Liability Property Damage | 3.45% | $56,820,484 | $56,214,320 | $32,634,280 | $38,019,034 | 67.63 % |
| 2021 | Private Passenger Auto Medical Payments | 3.08% | $6,217,419 | $6,249,752 | $3,428,304 | $3,993,985 | 63.91 % |
| 2021 | Private Passenger Uninsured Motorists | 1.37% | $7,302,330 | $7,177,227 | $5,107,260 | $5,949,973 | 82.90 % |
| 2021 | Private Passenger Underinsured Motorists | 2.59% | $3,534,905 | $3,422,200 | $2,288,539 | $2,666,155 | 77.91 % |
| 2021 | Private Passenger Accidential Death & Disab/Dism | 10.43% | $556,621 | $563,192 | $120,000 | $139,800 | 24.82 % |
| 2021 | Private Passenger Auto Comprehensive | 3.16% | $60,500,557 | $58,975,910 | $34,700,303 | $35,512,036 | 60.21 % |
| 2021 | Private Passenger Auto Collision | 2.35% | $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 | 1.68% | $339,680 | $338,509 | $21,697 | $11,357 | 3.36 % |
| 2020 | Total Property & Casualty | 1.42% | $444,024,995 | $440,137,770 | $299,024,010 | $296,671,906 | 67.40 % |
| 2020 | Total Fire & Allied Lines | 3.21% | $44,345,669 | $43,866,580 | $27,986,633 | $26,130,729 | 59.57 % |
| 2020 | Dwelling Fire & Allied Lines | 8.88% | $37,836,601 | $37,582,208 | $22,015,351 | $20,555,426 | 54.69 % |
| 2020 | Commercial Fire & Allied Lines | 0.48% | $2,425,368 | $2,288,498 | $2,879,075 | $2,688,152 | N/A |
| 2020 | Farm Fire & Allied Lines | 0.91% | $4,083,700 | $3,995,874 | $3,092,207 | $2,887,151 | 72.25 % |
| 2020 | Farmowners Multi-Peril | 2.96% | $20,609,299 | $20,567,903 | $14,010,354 | $15,226,927 | 74.03 % |
| 2020 | Total Homeowners | 1.77% | $111,511,337 | $110,238,235 | $85,800,758 | $87,527,853 | 79.40 % |
| 2020 | Homeowners Multi-Peril | 1.86% | $111,511,337 | $110,238,235 | $85,800,758 | $87,527,853 | 79.40 % |
| 2020 | Commercial Multi-Peril | 0.54% | $12,063,235 | $11,838,199 | $10,543,023 | $9,973,092 | 84.25 % |
| 2020 | Mobile Homes | 3.21% | $2,945,932 | $2,940,612 | $2,102,524 | $2,144,845 | 72.94 % |
| 2020 | Inland Marine (Incl Auto Cargo) | 0.38% | $4,798,308 | $4,579,274 | $1,709,485 | $2,010,079 | 43.90 % |
| 2020 | Earthquake | 1.23% | $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 | 0.54% | $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 | 2.51% | $232,333,042 | $230,959,598 | $150,091,492 | $145,954,410 | 63.19 % |
| 2020 | Private Passenger Auto Liability Bodily Injury | 1.66% | $41,838,468 | $41,815,999 | $38,651,349 | $35,889,502 | 85.83 % |
| 2020 | Private Passenger Auto Liability Property Damage | 3.48% | $57,146,763 | $57,116,038 | $26,731,295 | $26,621,250 | 46.61 % |
| 2020 | Private Passenger Auto Medical Payments | 3.18% | $6,451,160 | $6,533,155 | $3,565,533 | $3,550,854 | 54.35 % |
| 2020 | Private Passenger Uninsured Motorists | 1.44% | $7,205,091 | $7,145,538 | $4,221,658 | $4,204,279 | 58.84 % |
| 2020 | Private Passenger Underinsured Motorists | 2.18% | $3,354,572 | $3,275,373 | $3,461,175 | $3,446,926 | N/A |
| 2020 | Private Passenger Accidential Death & Disab/Dism | 10.73% | $576,869 | $582,345 | $130,001 | $129,464 | 22.23 % |
| 2020 | Private Passenger Auto Comprehensive | 3.32% | $57,461,662 | $56,796,694 | $39,462,777 | $38,807,125 | 68.33 % |
| 2020 | Private Passenger Auto Collision | 2.35% | $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 | 1.73% | $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.
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2022 | Private Passenger Auto | 5.17% | 42 | 51 |
| 2022 | Homeowners | 6.42% | 30 | 49 |
| 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
Financial Exams
Date: 06/18/2018
Date: 06/06/2014
Date: 05/01/2023
Order and Exam Report - Shelter Mutual Insurance Company.pdf