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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 |
|---|---|---|---|---|---|---|---|
| 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 | 0.59% | $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 | 1.71% | $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 | 0.53% | $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.
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2019 | Homeowners | 6.58% | 34 | 61 |
| 2019 | Private Passenger Auto | 4.97% | 66 | 72 |
| 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 |
Company Changes
Market Conduct
Date: 11/23/2016
Financial Exams
Date: 06/18/2018
Date: 06/06/2014