Company Details

  SHELTER MUTUAL INSURANCE COMPANY License Status :
Active

NAIC Number :

23388


Phone Number:

573-214-4680


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
2019 Total Property & Casualty 1.70% $431,273,532 $424,610,147 $264,368,492 $279,153,914 65.74 %
2019 Total Fire & Allied Lines 3.69% $43,428,052 $42,589,279 $21,742,799 $24,515,152 57.56 %
2019 Dwelling Fire & Allied Lines 10.68% $37,332,448 $36,664,946 $18,717,523 $21,104,132 57.56 %
2019 Commercial Fire & Allied Lines 0.58% $2,219,952 $2,140,635 $827,339 $932,831 43.58 %
2019 Farm Fire & Allied Lines 0.87% $3,875,652 $3,783,698 $2,197,937 $2,478,189 65.50 %
2019 Farmowners Multi-Peril 3.92% $20,443,110 $20,274,924 $11,232,771 $11,875,042 58.57 %
2019 Total Homeowners 2.33% $109,067,211 $106,901,616 $65,145,735 $66,795,718 62.48 %
2019 Homeowners Multi-Peril 2.45% $109,067,211 $106,901,616 $65,145,735 $66,795,718 62.48 %
2019 Commercial Multi-Peril 0.63% $11,685,556 $11,409,821 $10,898,924 $11,951,962 N/A
2019 Mobile Homes 3.71% $2,931,596 $2,927,165 $1,944,061 $1,993,300 68.10 %
2019 Inland Marine (Incl Auto Cargo) 0.36% $4,351,987 $4,166,233 $2,494,747 $2,542,160 61.02 %
2019 Earthquake 1.74% $3,902,142 $3,888,588 $0 $0 0.00 %
2019 Direct Workers Compensation 0.00% $0 $0 $90,473 $0 N/A
2019 Other Liability - Bodily Injury & Property Damage 0.58% $9,995,532 $9,843,121 $6,524,300 $7,656,523 77.79 %
2019 Products Liability 0.07% $63,131 $61,945 $0 $0 0.00 %
2019 Total Private Passenger Automobile 2.99% $224,425,292 $221,568,671 $143,653,627 $151,428,427 68.34 %
2019 Private Passenger Auto Liability Bodily Injury 1.94% $41,192,102 $40,780,593 $36,084,201 $37,642,580 92.31 %
2019 Private Passenger Auto Liability Property Damage 4.17% $56,240,176 $55,679,815 $28,940,077 $32,604,378 58.56 %
2019 Private Passenger Auto Medical Payments 3.98% $6,634,042 $6,647,022 $3,425,431 $3,859,148 58.06 %
2019 Private Passenger Uninsured Motorists 1.71% $6,964,050 $6,939,080 $4,057,158 $4,570,863 65.87 %
2019 Private Passenger Underinsured Motorists 2.91% $3,092,153 $3,049,586 $1,584,500 $1,785,124 58.54 %
2019 Private Passenger Accidential Death & Disab/Dism 13.24% $597,557 $602,746 $173,841 $195,851 32.49 %
2019 Private Passenger Auto Comprehensive 3.81% $54,494,426 $53,503,681 $33,735,436 $34,407,372 64.31 %
2019 Private Passenger Auto Collision 2.88% $55,210,786 $54,366,148 $35,652,983 $36,363,111 66.89 %
2019 Total Commercial Automobile 0.04% $654,219 $661,044 $633,999 $383,547 58.02 %
2019 Commercial Auto Liability Bodily Injury 0.02% $204,465 $205,646 $488,871 $262,095 N/A
2019 Commercial Auto Liability Property Damage 0.04% $110,096 $110,737 $56,656 $30,443 27.49 %
2019 Commercial Auto Medical Payments 0.17% $38,424 $38,472 $0 $0 0.00 %
2019 Commercial Auto Uninsured Motorists 0.24% $126,347 $124,374 $-187 $-101 -0.08 %
2019 Commercial Auto Comprehensive 0.04% $79,757 $82,135 $26,775 $27,516 33.50 %
2019 Commercial Auto Collision 0.03% $95,130 $99,680 $61,884 $63,594 63.80 %
2019 Burglary & Theft 1.68% $325,704 $317,740 $7,056 $12,083 3.80 %
2018 Total Property & Casualty 1.70% $414,024,641 $407,312,355 $226,996,080 $225,051,803 55.25 %
2018 Total Fire & Allied Lines 3.88% $41,845,503 $41,202,351 $18,388,163 $17,709,301 42.98 %
2018 Dwelling Fire & Allied Lines 10.83% $36,138,353 $35,691,590 $16,109,641 $15,514,899 43.47 %
2018 Commercial Fire & Allied Lines 0.62% $2,041,080 $1,971,825 $873,730 $841,473 42.67 %
2018 Farm Fire & Allied Lines 0.88% $3,666,070 $3,538,936 $1,404,792 $1,352,929 38.23 %
2018 Farmowners Multi-Peril 3.98% $20,041,447 $19,946,215 $8,907,067 $8,992,804 45.09 %
2018 Total Homeowners 2.35% $104,706,876 $101,888,772 $55,719,839 $46,479,861 45.62 %
2018 Homeowners Multi-Peril 2.47% $104,706,876 $101,888,772 $55,719,839 $46,479,861 45.62 %
2018 Commercial Multi-Peril 0.62% $11,044,041 $10,801,884 $4,929,096 $4,991,215 46.21 %
2018 Mobile Homes 3.34% $2,923,275 $2,913,190 $1,386,360 $1,156,461 39.70 %
2018 Inland Marine (Incl Auto Cargo) 0.35% $3,997,448 $3,878,527 $1,420,744 $1,322,091 34.09 %
2018 Earthquake 1.77% $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 0.59% $9,694,607 $9,587,650 $2,625,837 $3,030,530 31.61 %
2018 Products Liability 0.07% $57,997 $57,499 $0 $0 0.00 %
2018 Total Private Passenger Automobile 2.96% $214,852,195 $212,163,556 $133,275,069 $141,043,817 66.48 %
2018 Private Passenger Auto Liability Bodily Injury 2.09% $39,881,921 $39,668,422 $32,066,014 $35,624,774 89.81 %
2018 Private Passenger Auto Liability Property Damage 3.60% $54,463,831 $54,172,655 $28,642,369 $31,870,859 58.83 %
2018 Private Passenger Auto Medical Payments 3.99% $6,714,260 $6,702,011 $4,244,853 $4,723,321 70.48 %
2018 Private Passenger Uninsured Motorists 2.62% $6,880,808 $6,838,688 $4,404,911 $4,901,421 71.67 %
2018 Private Passenger Underinsured Motorists 1.31% $2,892,990 $2,849,477 $897,000 $998,107 35.03 %
2018 Private Passenger Accidential Death & Disab/Dism 13.22% $616,422 $622,331 $262,041 $291,576 46.85 %
2018 Private Passenger Auto Comprehensive 3.91% $51,197,771 $50,128,787 $27,518,048 $27,463,624 54.79 %
2018 Private Passenger Auto Collision 2.80% $52,204,192 $51,181,185 $35,239,833 $35,170,135 68.72 %
2018 Total Commercial Automobile 0.04% $675,067 $693,043 $227,894 $68,031 9.82 %
2018 Commercial Auto Liability Bodily Injury 0.03% $209,819 $217,299 $11,500 $-39,923 -18.37 %
2018 Commercial Auto Liability Property Damage 0.05% $112,979 $117,007 $17,959 $-62,348 -53.29 %
2018 Commercial Auto Medical Payments 0.22% $38,936 $39,584 $6,369 $-22,111 -55.86 %
2018 Commercial Auto Uninsured Motorists 0.26% $123,488 $125,928 $-262 $910 0.72 %
2018 Commercial Auto Comprehensive 0.05% $85,232 $86,962 $70,125 $69,824 80.29 %
2018 Commercial Auto Collision 0.04% $104,613 $106,263 $122,203 $121,679 N/A
2018 Burglary & Theft 1.93% $310,911 $305,419 $23,107 $17,765 5.82 %
2017 Total Property & Casualty 1.66% $392,244,494 $387,752,975 $267,305,062 $268,500,323 69.25 %
2017 Total Fire & Allied Lines 3.83% $40,728,325 $40,290,576 $26,065,293 $25,707,134 63.80 %
2017 Dwelling Fire & Allied Lines 10.34% $35,413,835 $35,059,259 $22,754,285 $22,441,623 64.01 %
2017 Commercial Fire & Allied Lines 0.69% $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 3.75% $19,899,061 $19,910,746 $15,528,421 $14,561,343 73.13 %
2017 Total Homeowners 2.36% $99,113,495 $100,382,283 $71,073,742 $75,581,484 75.29 %
2017 Homeowners Multi-Peril 2.49% $99,113,495 $100,382,283 $71,073,742 $75,581,484 75.29 %
2017 Commercial Multi-Peril 0.57% $10,609,890 $10,504,980 $7,844,195 $8,363,688 79.62 %
2017 Mobile Homes 3.30% $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 1.87% $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 0.51% $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 2.97% $201,105,403 $196,258,513 $135,565,186 $136,219,742 69.41 %
2017 Private Passenger Auto Liability Bodily Injury 2.18% $38,168,093 $37,395,555 $33,175,492 $32,817,897 87.76 %
2017 Private Passenger Auto Liability Property Damage 3.72% $52,111,316 $51,056,232 $26,349,210 $27,299,179 53.47 %
2017 Private Passenger Auto Medical Payments 3.98% $6,523,587 $6,417,817 $4,316,043 $4,471,649 69.68 %
2017 Private Passenger Uninsured Motorists 2.73% $6,758,345 $6,732,518 $4,533,719 $4,697,174 69.77 %
2017 Private Passenger Underinsured Motorists 1.48% $2,859,870 $2,883,957 $1,105,541 $1,145,399 39.72 %
2017 Private Passenger Accidential Death & Disab/Dism 13.17% $639,014 $645,899 $151,201 $156,651 24.25 %
2017 Private Passenger Auto Comprehensive 3.71% $45,956,008 $44,096,061 $35,864,599 $35,700,226 80.96 %
2017 Private Passenger Auto Collision 2.71% $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 0.24% $40,688 $41,197 $26,353 $97,587 N/A
2017 Commercial Auto Uninsured Motorists 0.27% $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 1.74% $297,431 $270,570 $24,556 $12,832 4.74 %

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
2019 Private Passenger Auto 4.97% 66 72
2019 Homeowners 6.58% 34 61
2018 Homeowners 6.75% 36 60
2018 Private Passenger Auto 4.97% 55 56
2017 Private Passenger Auto 5.00% 57 52
2017 Homeowners 6.86% 32 49


Company Changes


Market Conduct

Date: 11/23/2016

SM.pdf


Financial Exams

Date: 06/18/2018

ShelMutICExam.pdf

Date: 06/06/2014

ShelterMutualFE.pdf