Company Details for:

SHELTER MUTUAL INSURANCE COMPANY

Address

COORDINATOR OF INS DEPT AFFAIRS 1817 W BROADWAY
COLUMBIA MO, 65218-0001

Phone

573-445-8441

Market Share

Link to Supplemental Data Page
Property and Casualty
YearLine Market
Share
Direct
Premium
Written
Direct
Premium
Earned
Direct
Losses
Paid
Direct
Losses
Incurred
Loss
Ratio
2017 Total Property & Casualty 3.58% $392,244,494 $387,752,975 $267,305,062 $268,500,32369.25%
2017 Total Fire & Allied Lines 8.69% $40,728,325 $40,290,576 $26,065,293 $25,707,13463.80%
2017 Dwelling Fire & Allied Lines 21.90% $35,413,835 $35,059,259 $22,754,285 $22,441,62364.01%
2017 Commercial Fire & Allied Lines 1.37% $1,854,541 $1,839,831 $1,054,795 $1,040,30156.54%
2017 Farm Fire & Allied Lines 2.02% $3,459,949 $3,391,486 $2,256,213 $2,225,21065.61%
2017 Farmowners Multi-Peril 8.98% $19,899,061 $19,910,746 $15,528,421 $14,561,34373.13%
2017 Total Homeowners 5.07% $99,113,495 $100,382,283 $71,073,742 $75,581,48475.29%
2017 Homeowners Multi-Peril 5.30% $99,113,495 $100,382,283 $71,073,742 $75,581,48475.29%
2017 Commercial Multi-Peril 1.40% $10,609,890 $10,504,980 $7,844,195 $8,363,68879.62%
2017 Mobile Homes 8.40% $2,878,790 $2,880,190 $2,477,314 $2,634,43391.47%
2017 Inland Marine (Incl Auto Cargo) 0.98% $3,730,273 $3,588,413 $2,054,923 $2,031,99856.63%
2017 Earthquake 4.03% $3,888,552 $3,745,485 $0 $00.00%
2017 Direct Workers Compensation 0.00% $0 $0 $87,681 $121,234N/A
2017 Other Liability - Bodily Injury & Property Damage 1.45% $9,231,487 $9,140,543 $6,234,749 $2,543,987N/A
2017 Products Liability 0.15% $57,110 $61,108 $0 $0N/A
2017 Total Private Passenger Automobile 5.16% $201,105,403 $196,258,513 $135,565,186 $136,219,742N/A
2017 Private Passenger Auto Liability Bodily Injury 3.80% $38,168,093 $37,395,555 $33,175,492 $32,817,897N/A
2017 Private Passenger Auto Liability Property Damage 6.39% $52,111,316 $51,056,232 $26,349,210 $27,299,179N/A
2017 Private Passenger Auto Medical Payments 6.86% $6,523,587 $6,417,817 $4,316,043 $4,471,649N/A
2017 Private Passenger Uninsured Motorists 4.45% $6,758,345 $6,732,518 $4,533,719 $4,697,174N/A
2017 Private Passenger Underinsured Motorists 2.95% $2,859,870 $2,883,957 $1,105,541 $1,145,399N/A
2017 Private Passenger Accidential Death & Disab/Dism 31.55% $639,014 $645,899 $151,201 $156,651N/A
2017 Private Passenger Auto Comprehensive 6.78% $45,956,008 $44,096,061 $35,864,599 $35,700,226N/A
2017 Private Passenger Auto Collision 4.57% $48,089,170 $47,030,474 $30,069,381 $29,931,567N/A
2017 Total Commercial Automobile 0.12% $704,677 $719,568 $349,002 $722,448N/A
2017 Commercial Auto Liability Bodily Injury 0.07% $219,884 $225,570 $35,100 $129,979N/A
2017 Commercial Auto Liability Property Damage 0.13% $118,399 $121,461 $40,498 $149,969N/A
2017 Commercial Auto Medical Payments 0.55% $40,688 $41,197 $26,353 $97,587N/A
2017 Commercial Auto Uninsured Motorists 0.60% $128,418 $130,366 $36,464 $135,030N/A
2017 Commercial Auto Comprehensive 0.11% $88,467 $90,269 $119,705 $119,305N/A
2017 Commercial Auto Collision 0.10% $108,821 $110,705 $90,882 $90,578N/A
2017 Burglary & Theft 4.82% $297,431 $270,570 $24,556 $12,832N/A
2016 Total Property & Casualty 3.62% $378,871,350 $373,001,559 $205,336,834 $212,799,955N/A
2016 Total Fire & Allied Lines 8.58% $39,905,819 $38,841,714 $17,193,499 $16,969,299N/A
2016 Dwelling Fire & Allied Lines 21.03% $34,831,850 $33,928,320 $15,028,190 $14,832,225N/A
2016 Commercial Fire & Allied Lines 1.38% $1,804,842 $1,740,670 $723,911 $714,471N/A
2016 Farm Fire & Allied Lines 1.94% $3,269,127 $3,172,724 $1,441,398 $1,422,603N/A
2016 Farmowners Multi-Peril 11.45% $20,006,165 $19,706,545 $7,160,350 $8,072,227N/A
2016 Total Homeowners 5.32% $102,238,393 $101,194,211 $46,032,365 $46,109,947N/A
2016 Homeowners Multi-Peril 5.56% $102,238,393 $101,194,211 $46,032,365 $46,109,947N/A
2016 Commercial Multi-Peril 1.41% $10,389,196 $10,266,036 $3,085,428 $2,984,114N/A
2016 Mobile Homes 8.19% $2,901,839 $2,779,817 $1,237,041 $1,239,126N/A
2016 Inland Marine (Incl Auto Cargo) 0.93% $3,468,357 $3,368,337 $1,630,205 $1,639,337N/A
2016 Earthquake 3.94% $3,686,572 $4,060,221 $0 $0N/A
2016 Direct Workers Compensation 0.00% $0 $0 $90,322 $90,322N/A
2016 Other Liability - Bodily Injury & Property Damage 1.72% $9,106,109 $8,997,839 $3,994,473 $8,884,693N/A
2016 Products Liability 0.19% $65,710 $50,738 $0 $0N/A
2016 Total Private Passenger Automobile 5.16% $186,105,049 $182,677,178 $124,289,982 $126,622,550N/A
2016 Private Passenger Auto Liability Bodily Injury 3.85% $35,600,826 $34,964,626 $29,326,403 $30,272,000N/A
2016 Private Passenger Auto Liability Property Damage 6.46% $48,610,112 $47,740,587 $25,710,833 $26,540,794N/A
2016 Private Passenger Auto Medical Payments 6.64% $6,229,399 $6,177,316 $4,264,423 $4,402,082N/A
2016 Private Passenger Uninsured Motorists 4.89% $6,660,049 $6,631,732 $3,435,912 $3,546,826N/A
2016 Private Passenger Underinsured Motorists 3.38% $2,918,836 $2,897,437 $1,570,249 $1,620,938N/A
2016 Private Passenger Accidential Death & Disab/Dism 31.89% $672,464 $681,777 $144,514 $149,178N/A
2016 Private Passenger Auto Comprehensive 6.28% $40,801,478 $39,856,248 $29,179,622 $29,303,037N/A
2016 Private Passenger Auto Collision 4.64% $44,611,885 $43,727,455 $30,658,026 $30,787,695N/A
2016 Total Commercial Automobile 0.13% $746,599 $780,833 $593,481 $152,585N/A
2016 Commercial Auto Liability Bodily Injury 0.08% $236,442 $248,161 $473,000 $58,791N/A
2016 Commercial Auto Liability Property Damage 0.15% $127,315 $133,624 $33,934 $4,218N/A
2016 Commercial Auto Medical Payments 0.60% $42,220 $43,678 $1,042 $129N/A
2016 Commercial Auto Uninsured Motorists 0.70% $133,366 $137,870 $-4,875 $-606N/A
2016 Commercial Auto Comprehensive 0.13% $93,319 $100,843 $30,351 $30,241N/A
2016 Commercial Auto Collision 0.11% $113,937 $116,657 $60,029 $59,812N/A
2016 Burglary & Theft 4.74% $251,542 $278,090 $29,688 $35,755N/A
2015 Total Property & Casualty 3.61% $362,333,386 $357,741,068 $195,332,026 $208,634,907N/A
2015 Total Fire & Allied Lines 7.84% $37,733,572 $36,855,053 $18,434,937 $19,511,302N/A
2015 Dwelling Fire & Allied Lines 21.53% $33,019,914 $32,259,990 $14,951,006 $15,823,954N/A
2015 Commercial Fire & Allied Lines 1.20% $1,667,013 $1,635,616 $1,449,919 $1,534,576N/A
2015 Farm Fire & Allied Lines 1.61% $3,046,645 $2,959,447 $2,034,012 $2,152,772N/A
2015 Farmowners Multi-Peril 11.47% $19,392,845 $19,333,330 $8,909,693 $8,722,369N/A
2015 Total Homeowners 5.38% $100,256,954 $98,810,618 $47,265,528 $52,912,126N/A
2015 Homeowners Multi-Peril 5.64% $100,256,954 $98,810,618 $47,265,528 $52,912,126N/A
2015 Commercial Multi-Peril 1.40% $10,220,299 $10,072,645 $4,019,310 $4,544,947N/A
2015 Mobile Homes 6.93% $2,664,492 $2,650,567 $1,969,488 $2,204,774N/A
2015 Inland Marine (Incl Auto Cargo) 1.01% $3,246,779 $3,078,467 $1,443,627 $1,598,069N/A
2015 Earthquake 4.57% $4,285,425 $4,231,815 $0 $0N/A
2015 Direct Workers Compensation 0.00% $0 $0 $100,839 $100,839N/A
2015 Other Liability - Bodily Injury & Property Damage 1.74% $8,945,123 $8,710,791 $3,056,325 $3,157,781N/A
2015 Products Liability 0.10% $38,989 $44,599 $0 $0N/A
2015 Total Private Passenger Automobile 5.21% $174,438,417 $172,847,460 $109,763,758 $115,318,009N/A
2015 Private Passenger Auto Liability Bodily Injury 3.89% $33,072,922 $32,651,682 $24,638,728 $27,146,654N/A
2015 Private Passenger Auto Liability Property Damage 6.58% $45,155,836 $44,581,234 $23,457,342 $25,845,016N/A
2015 Private Passenger Auto Medical Payments 6.83% $6,255,877 $6,376,993 $4,117,425 $4,536,529N/A
2015 Private Passenger Uninsured Motorists 5.24% $6,568,756 $6,562,401 $2,215,434 $2,440,938N/A
2015 Private Passenger Underinsured Motorists 3.36% $2,891,868 $2,909,234 $1,485,695 $1,636,921N/A
2015 Private Passenger Accidential Death & Disab/Dism 31.91% $702,979 $709,558 $315,001 $347,063N/A
2015 Private Passenger Auto Comprehensive 6.17% $37,779,246 $37,232,269 $25,551,842 $25,471,061N/A
2015 Private Passenger Auto Collision 4.68% $42,010,933 $41,824,089 $27,982,291 $27,893,827N/A
2015 Total Commercial Automobile 0.15% $815,689 $833,094 $358,013 $551,373N/A
2015 Commercial Auto Liability Bodily Injury 0.09% $261,839 $267,406 $20,500 $47,531N/A
2015 Commercial Auto Liability Property Damage 0.17% $140,990 $143,988 $99,523 $230,754N/A
2015 Commercial Auto Medical Payments 0.59% $45,332 $46,413 $2,392 $5,546N/A
2015 Commercial Auto Uninsured Motorists 0.84% $143,155 $146,096 $24,987 $57,934N/A
2015 Commercial Auto Comprehensive 0.17% $106,783 $108,884 $63,590 $63,288N/A
2015 Commercial Auto Collision 0.12% $117,590 $120,307 $147,021 $146,320N/A
2015 Burglary & Theft 6.08% $294,802 $272,629 $10,508 $13,318N/A

Enforcements

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

Complaint Index

Link to Complaint Index Page
YearLineMarket
Share
Number of
Complaints
Complaint
Index
2017 Private passenger auto 5.17% 57 52
2017 Homeowners 6.86% 32 49
2016 Private passenger auto 5.22% 61 54
2016 Homeowners 7.00% 48 64
2015 Homeowners 7.08% 55 61
2015 Private passenger auto 5.29% 62 52

Company Changes

This company has not filed any changes with the department.

Market Conduct

Date: 11/23/2016

Pdf Links

  Document

Financial Exams

Date: 06/06/2014

PDF File Link

Date: 06/18/2018

PDF File Link