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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.
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 | Private Passenger Auto | 5.00% | 57 | 52 |
| 2017 | Homeowners | 6.86% | 32 | 49 |
| 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
Financial Exams
Date: 06/18/2018
Date: 06/06/2014