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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
2020 Total Property & Casualty 1.56% $444,024,995 $440,137,770 $299,024,010 $296,671,906 67.40 %
2020 Total Fire & Allied Lines 3.43% $44,345,669 $43,866,580 $27,986,633 $26,130,729 59.57 %
2020 Dwelling Fire & Allied Lines 10.51% $37,836,601 $37,582,208 $22,015,351 $20,555,426 54.69 %
2020 Commercial Fire & Allied Lines 0.49% $2,425,368 $2,288,498 $2,879,075 $2,688,152 N/A
2020 Farm Fire & Allied Lines 0.93% $4,083,700 $3,995,874 $3,092,207 $2,887,151 72.25 %
2020 Farmowners Multi-Peril 3.24% $20,609,299 $20,567,903 $14,010,354 $15,226,927 74.03 %
2020 Total Homeowners 2.15% $111,511,337 $110,238,235 $85,800,758 $87,527,853 79.40 %
2020 Homeowners Multi-Peril 2.25% $111,511,337 $110,238,235 $85,800,758 $87,527,853 79.40 %
2020 Commercial Multi-Peril 0.56% $12,063,235 $11,838,199 $10,543,023 $9,973,092 84.25 %
2020 Mobile Homes 3.57% $2,945,932 $2,940,612 $2,102,524 $2,144,845 72.94 %
2020 Inland Marine (Incl Auto Cargo) 0.41% $4,798,308 $4,579,274 $1,709,485 $2,010,079 43.90 %
2020 Earthquake 1.47% $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 0.56% $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 2.84% $232,333,042 $230,959,598 $150,091,492 $145,954,410 63.19 %
2020 Private Passenger Auto Liability Bodily Injury 1.84% $41,838,468 $41,815,999 $38,651,349 $35,889,502 85.83 %
2020 Private Passenger Auto Liability Property Damage 3.99% $57,146,763 $57,116,038 $26,731,295 $26,621,250 46.61 %
2020 Private Passenger Auto Medical Payments 3.68% $6,451,160 $6,533,155 $3,565,533 $3,550,854 54.35 %
2020 Private Passenger Uninsured Motorists 1.61% $7,205,091 $7,145,538 $4,221,658 $4,204,279 58.84 %
2020 Private Passenger Underinsured Motorists 2.51% $3,354,572 $3,275,373 $3,461,175 $3,446,926 N/A
2020 Private Passenger Accidential Death & Disab/Dism 12.60% $576,869 $582,345 $130,001 $129,464 22.23 %
2020 Private Passenger Auto Comprehensive 3.71% $57,461,662 $56,796,694 $39,462,777 $38,807,125 68.33 %
2020 Private Passenger Auto Collision 2.70% $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 0.21% $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 1.76% $335,237 $329,087 $22,064 $33,499 10.18 %
2019 Total Property & Casualty 1.54% $431,273,532 $424,610,147 $264,368,492 $279,153,914 65.74 %
2019 Total Fire & Allied Lines 3.65% $43,428,052 $42,589,279 $21,742,799 $24,515,152 57.56 %
2019 Dwelling Fire & Allied Lines 10.54% $37,332,448 $36,664,946 $18,717,523 $21,104,132 57.56 %
2019 Commercial Fire & Allied Lines 0.57% $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 3.33% $20,443,110 $20,274,924 $11,232,771 $11,875,042 58.57 %
2019 Total Homeowners 2.14% $109,067,211 $106,901,616 $65,145,735 $66,795,718 62.48 %
2019 Homeowners Multi-Peril 2.25% $109,067,211 $106,901,616 $65,145,735 $66,795,718 62.48 %
2019 Commercial Multi-Peril 0.58% $11,685,556 $11,409,821 $10,898,924 $11,951,962 N/A
2019 Mobile Homes 3.64% $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 1.62% $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 0.55% $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 2.65% $224,425,292 $221,568,671 $143,653,627 $151,428,427 68.34 %
2019 Private Passenger Auto Liability Bodily Injury 1.69% $41,192,102 $40,780,593 $36,084,201 $37,642,580 92.31 %
2019 Private Passenger Auto Liability Property Damage 3.77% $56,240,176 $55,679,815 $28,940,077 $32,604,378 58.56 %
2019 Private Passenger Auto Medical Payments 3.61% $6,634,042 $6,647,022 $3,425,431 $3,859,148 58.06 %
2019 Private Passenger Uninsured Motorists 1.48% $6,964,050 $6,939,080 $4,057,158 $4,570,863 65.87 %
2019 Private Passenger Underinsured Motorists 2.67% $3,092,153 $3,049,586 $1,584,500 $1,785,124 58.54 %
2019 Private Passenger Accidential Death & Disab/Dism 11.72% $597,557 $602,746 $173,841 $195,851 32.49 %
2019 Private Passenger Auto Comprehensive 3.40% $54,494,426 $53,503,681 $33,735,436 $34,407,372 64.31 %
2019 Private Passenger Auto Collision 2.54% $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 0.23% $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 1.59% $325,704 $317,740 $7,056 $12,083 3.80 %

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
2020 Private Passenger Auto 5.05% 64 75
2020 Homeowners 6.57% 33 64
2019 Homeowners 6.58% 34 61
2019 Private Passenger Auto 4.97% 66 72


Company Changes


Market Conduct

Date: 11/23/2016

SM.pdf


Financial Exams

Date: 06/18/2018

ShelMutICExam.pdf

Date: 06/06/2014

ShelterMutualFE.pdf