Company Details

Company Details

Company Name:
SHELTER MUTUAL INSURANCE COMPANY
License Status:
Active
NAIC Number:
23388
Company Address:
1817 West Broadway
Columbia, MO 65218-0001
Phone Number:
5734458441
Mailing Address:
1817 West Broadway
Columbia, MO 65218-0001
Description:
Property and Casualty (Ch 379, RSMo)
License Number:
B419067
Date Admitted:
1945-12-31

Market Share

Year Line Market Share Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred In Force Loss Ratio
2025 Total Property & Casualty 4.23% $760,393,370 $733,133,534 $0 $512,514,258 $531,242,917 $0 103.65%
2025 Total Fire & Allied Lines 12.35% $83,324,510 $76,761,078 $0 $66,923,769 $69,614,086 $0 104.02%
2025 Dwelling Fire & Allied Lines 20.76% $69,226,304 $63,426,308 $0 $56,951,994 $59,241,448 $0 104.02%
2025 Commercial Fire & Allied Lines 1.99% $6,491,706 $6,063,373 $0 $5,132,643 $5,338,974 $0 104.02%
2025 Farm Fire & Allied Lines 48.97% $7,606,500 $7,271,397 $0 $4,839,132 $5,033,664 $0 104.02%
2025 Farmowners Multi-Peril 11.51% $34,410,162 $32,360,776 $0 $32,069,037 $33,680,896 $0 105.03%
2025 Total Homeowners 5.29% $195,676,639 $183,052,159 $0 $151,354,126 $153,312,451 $0 101.29%
2025 Homeowners Multi-Peril 5.42% $191,455,331 $179,057,214 $0 $146,996,089 $148,898,027 $0 101.29%
2025 Mobile Homes 8.89% $4,221,308 $3,994,945 $0 $4,358,037 $4,414,424 $0 101.29%
2025 Commercial Multi-Peril 1.81% $22,465,062 $19,846,027 $0 $12,573,430 $13,345,213 $0 106.14%
2025 Inland Marine (Incl Auto Cargo) 2.01% $8,184,557 $7,785,229 $0 $3,590,816 $3,736,848 $0 104.07%
2025 Earthquake 3.12% $4,512,123 $4,505,786 $0 $0 $1,284 $0 0%
2025 Other Liability - Bodily Injury & Property Damage 1.61% $16,955,758 $16,058,767 $0 $13,602,723 $20,481,077 $0 150.57%
2025 Products Liability 0.13% $67,538 $66,580 $0 $188,648 $116,768 $0 61.9%
2025 Total Private Passenger Auto 5.48% $178,739,814 $178,825,865 $0 $110,477,966 $115,727,847 $0 104.75%
2025 Private Passenger Auto Liability - Bodily Injury 3.4% $54,413,450 $54,509,485 $0 $51,489,801 $53,936,582 $0 104.75%
2025 Private Passenger Auto Liability - Property Damage 9.51% $100,922,396 $100,758,962 $0 $45,805,825 $47,982,505 $0 104.75%
2025 Private Passenger Auto Liability - Medical Payments 6.23% $5,514,209 $5,615,937 $0 $3,723,369 $3,900,302 $0 104.75%
2025 Private Passenger Auto Liability - Uninsured Motorists 3.06% $11,169,863 $11,224,048 $0 $7,032,546 $7,366,730 $0 104.75%
2025 Private Passenger Auto Liability - Underinsured Motorists 4.24% $6,276,988 $6,266,200 $0 $2,343,925 $2,455,308 $0 104.75%
2025 Private Passenger Auto Liability - Accidental Death & Disab/Dism 29.66% $442,908 $451,233 $0 $82,500 $86,420 $0 104.75%
2025 Total Commercial Auto 0.05% $387,975 $391,875 $0 $52,988 $-5,211 $0 -9.83%
2025 Commercial Auto Liability - Bodily Injury 0.03% $161,568 $163,200 $0 $44,812 $-4,407 $0 -9.83%
2025 Commercial Auto Liability - Property Damage 0.05% $86,998 $87,877 $0 $8,176 $-804 $0 -9.83%
2025 Commercial Auto Liability - Medical Payments 1.4% $31,158 $31,796 $0 $0 $0 $0 0%
2025 Commercial Auto Liability - Uninsured Motorists 0.23% $108,251 $109,002 $0 $0 $0 $0 0%
2025 Private Passenger Auto - Comprehensive 8.43% $118,488,001 $115,225,410 $0 $68,405,060 $68,145,925 $0 99.62%
2025 Private Passenger Auto - Collision 5.88% $92,424,793 $94,120,388 $0 $52,708,425 $52,508,752 $0 99.62%
2025 Commercial Auto - Comprehensive 0.05% $71,197 $67,531 $0 $233,509 $233,413 $0 99.96%
2025 Commercial Auto - Collision 0.04% $86,658 $79,269 $0 $21,132 $21,123 $0 99.96%
2025 Burglary & Theft 33.29% $4,598,583 $3,986,794 $0 $312,629 $322,445 $0 103.14%
2024 Total Property & Casualty 4% $688,511,324 $650,057,156 $0 $496,562,953 $499,568,133 $0 100.61%
2024 Total Fire & Allied Lines 10.91% $69,173,615 $63,335,455 $0 $46,315,929 $44,440,310 $0 95.95%
2024 Dwelling Fire & Allied Lines 25.86% $56,892,010 $52,350,549 $0 $37,190,862 $35,583,236 $0 95.68%
2024 Commercial Fire & Allied Lines 1.43% $5,669,648 $5,045,038 $0 $3,894,870 $3,780,482 $0 97.06%
2024 Farm Fire & Allied Lines 37.07% $6,611,957 $5,939,868 $0 $5,230,197 $5,076,592 $0 97.06%
2024 Farmowners Multi-Peril 10.65% $28,978,729 $26,817,207 $0 $26,359,813 $27,877,961 $0 105.76%
2024 Total Homeowners 5.02% $170,997,894 $156,813,379 $0 $162,958,074 $157,952,235 $0 96.93%
2024 Homeowners Multi-Peril 5.14% $167,337,922 $153,457,222 $0 $159,488,781 $154,589,514 $0 96.93%
2024 Mobile Homes 9.23% $3,659,972 $3,356,157 $0 $3,469,293 $3,362,721 $0 96.93%
2024 Commercial Multi-Peril 1.47% $17,507,589 $16,543,602 $0 $18,697,312 $19,344,820 $0 103.46%
2024 Inland Marine (Incl Auto Cargo) 1.82% $7,427,868 $7,033,624 $0 $3,390,728 $3,425,186 $0 101.02%
2024 Earthquake 3.14% $4,571,066 $4,456,247 $0 $287 $0 $0 0%
2024 Other Liability - Bodily Injury & Property Damage 1.52% $14,374,271 $13,818,444 $0 $11,925,111 $13,549,474 $0 113.62%
2024 Products Liability 0.11% $63,447 $63,512 $0 $85,342 $121,897 $0 142.83%
2024 Total Private Passenger Auto 5.61% $174,042,009 $168,851,220 $0 $100,571,630 $106,382,681 $0 105.78%
2024 Private Passenger Auto Liability - Bodily Injury 3.62% $53,659,044 $52,388,059 $0 $44,754,823 $47,340,767 $0 105.78%
2024 Private Passenger Auto Liability - Property Damage 8.86% $96,214,042 $92,671,545 $0 $43,340,169 $45,844,373 $0 105.78%
2024 Private Passenger Auto Liability - Medical Payments 6.7% $5,955,698 $6,000,650 $0 $3,290,950 $3,481,102 $0 105.78%
2024 Private Passenger Auto Liability - Uninsured Motorists 3.65% $11,450,658 $11,205,903 $0 $5,310,881 $5,617,745 $0 105.78%
2024 Private Passenger Auto Liability - Underinsured Motorists 4.79% $6,289,415 $6,102,517 $0 $3,819,807 $4,040,516 $0 105.78%
2024 Private Passenger Auto Liability - Accidental Death & Disab/Dism 29.69% $473,152 $482,546 $0 $55,000 $58,178 $0 105.78%
2024 Total Commercial Auto 0.05% $396,640 $397,509 $0 $864,441 $407,038 $0 47.09%
2024 Commercial Auto Liability - Bodily Injury 0.03% $165,846 $166,489 $0 $816,000 $383,721 $0 47.02%
2024 Commercial Auto Liability - Property Damage 0.05% $89,302 $89,648 $0 $45,968 $22,127 $0 48.14%
2024 Commercial Auto Liability - Medical Payments 0.44% $32,221 $32,431 $0 $2,510 $1,208 $0 48.13%
2024 Commercial Auto Liability - Uninsured Motorists 0.23% $109,271 $108,941 $0 $-37 $-18 $0 48.65%
2024 Private Passenger Auto - Comprehensive 7.67% $102,769,457 $97,841,445 $0 $72,367,041 $72,707,902 $0 100.47%
2024 Private Passenger Auto - Collision 5.84% $94,663,104 $91,811,978 $0 $52,694,986 $52,943,189 $0 100.47%
2024 Commercial Auto - Comprehensive 0.04% $62,709 $63,525 $0 $99,615 $99,248 $0 99.63%
2024 Commercial Auto - Collision 0.03% $69,709 $71,441 $0 $123,433 $122,978 $0 99.63%
2024 Burglary & Theft 29.7% $3,413,217 $2,138,568 $0 $109,211 $193,214 $0 176.92%
2023 Total Property & Casualty 3.7% $587,406,889 $561,188,107 $0 $485,481,403 $513,055,965 $0 105.68%
2023 Total Fire & Allied Lines 7.53% $58,501,869 $57,377,490 $0 $53,054,757 $53,732,455 $0 101.28%
2023 Dwelling Fire & Allied Lines 20.97% $48,699,703 $48,286,912 $0 $40,362,692 $40,878,267 $0 101.28%
2023 Commercial Fire & Allied Lines 1.36% $4,381,012 $3,946,501 $0 $4,905,584 $4,968,246 $0 101.28%
2023 Farm Fire & Allied Lines 2.43% $5,421,154 $5,144,077 $0 $7,786,481 $7,885,942 $0 101.28%
2023 Farmowners Multi-Peril 10.26% $24,725,607 $23,633,233 $0 $31,572,304 $33,266,498 $0 105.37%
2023 Total Homeowners 4.84% $144,295,262 $136,226,379 $0 $145,961,893 $159,898,082 $0 109.55%
2023 Homeowners Multi-Peril 5% $144,295,262 $136,226,379 $0 $145,961,893 $159,898,082 $0 109.55%
2023 Commercial Multi-Peril 1.39% $15,468,693 $14,659,149 $0 $17,653,355 $17,066,605 $0 96.68%
2023 Mobile Homes 10.04% $3,122,912 $3,093,848 $0 $3,862,996 $4,231,828 $0 109.55%
2023 Inland Marine (Incl Auto Cargo) 1.19% $6,629,095 $6,347,472 $0 $3,962,001 $4,201,224 $0 106.04%
2023 Earthquake 3.06% $4,351,132 $4,213,151 $0 $0 $287 $0 0%
2023 Direct Workers Compensation 0% $0 $0 $0 $923,185 $140,798 $0 15.25%
2023 Other Liability - Bodily Injury & Property Damage 1.36% $12,950,476 $12,548,014 $0 $13,019,387 $15,629,648 $0 120.05%
2023 Products Liability 0.14% $66,902 $66,286 $0 $219,240 $195,861 $0 89.34%
2023 Total Private Passenger Automobile 5.77% $316,317,845 $302,074,495 $0 $214,772,616 $224,076,403 $0 104.33%
2023 Private Passenger Auto Liability Bodily Injury 3.63% $49,079,636 $49,009,163 $0 $41,360,006 $45,498,763 $0 110.01%
2023 Private Passenger Auto Liability Property Damage 7.82% $78,542,118 $73,411,152 $0 $40,893,442 $44,985,511 $0 110.01%
2023 Private Passenger Auto Medical Payments 6.76% $5,985,174 $6,048,038 $0 $3,305,751 $3,636,546 $0 110.01%
2023 Private Passenger Uninsured Motorists 3.39% $9,684,215 $9,261,635 $0 $6,225,035 $6,847,953 $0 110.01%
2023 Private Passenger Underinsured Motorists 4.47% $5,140,528 $4,826,400 $0 $2,630,825 $2,894,083 $0 110.01%
2023 Private Passenger Accidential Death & Disab/Dism 30.86% $501,435 $508,899 $0 $150,133 $165,156 $0 110.01%
2023 Private Passenger Auto Comprehensive 7.72% $87,524,939 $82,970,361 $0 $69,057,122 $68,965,760 $0 99.87%
2023 Private Passenger Auto Collision 5.31% $79,859,800 $76,038,847 $0 $51,150,302 $51,082,631 $0 99.87%
2023 Total Commercial Automobile 0.05% $543,205 $549,958 $0 $458,363 $581,973 $0 126.97%
2023 Commercial Auto Liability Bodily Injury 0.03% $170,014 $172,653 $0 $300,000 $420,315 $0 140.11%
2023 Commercial Auto Liability Property Damage 0.06% $91,546 $92,967 $0 $16,540 $23,174 $0 140.11%
2023 Commercial Auto Medical Payments 0.44% $32,822 $33,196 $0 $4,262 $5,971 $0 140.1%
2023 Commercial Auto Uninsured Motorists 0.26% $109,839 $110,760 $0 $-137 $-192 $0 140.15%
2023 Commercial Auto Comprehensive 0.05% $64,945 $65,541 $0 $73,621 $70,951 $0 96.37%
2023 Commercial Auto Collision 0.04% $74,039 $74,841 $0 $64,077 $61,754 $0 96.37%
2023 Burglary & Theft 5.57% $433,891 $398,632 $0 $21,306 $34,303 $0 161%
2022 Total Property & Casualty 3.56% $514,066,894 $487,753,241 $0 $310,091,280 $325,230,300 $0 104.88%
2022 Total Fire & Allied Lines 11.18% $53,776,799 $46,909,595 $0 $24,279,155 $25,265,364 $0 104.06%
2022 Dwelling Fire & Allied Lines 29.49% $45,649,158 $39,378,886 $0 $18,538,903 $19,291,945 $0 104.06%
2022 Commercial Fire & Allied Lines 1.18% $3,718,917 $3,267,664 $0 $3,363,102 $3,499,710 $0 104.06%
2022 Farm Fire & Allied Lines 44.18% $4,408,724 $4,263,045 $0 $2,377,150 $2,473,709 $0 104.06%
2022 Farmowners Multi-Peril 9.91% $22,572,380 $21,767,042 $0 $14,183,359 $17,389,216 $0 122.6%
2022 Total Homeowners 4.77% $128,959,600 $122,670,741 $0 $65,514,713 $64,454,029 $0 98.38%
2022 Homeowners Multi-Peril 4.94% $128,959,600 $122,670,741 $0 $65,514,713 $64,454,029 $0 98.38%
2022 Commercial Multi-Peril 1.39% $13,899,322 $13,294,936 $0 $10,272,629 $11,653,674 $0 113.44%
2022 Mobile Homes 10.51% $3,088,076 $3,055,314 $0 $1,749,703 $1,721,375 $0 98.38%
2022 Inland Marine (Incl Auto Cargo) 1.14% $6,038,099 $5,772,855 $0 $3,380,417 $2,996,685 $0 88.65%
2022 Earthquake 2.99% $4,103,230 $3,969,986 $0 $0 $-6,000 $0 0%
2022 Direct Workers Compensation 0% $0 $0 $0 $110,577 $500,000 $0 452.17%
2022 Other Liability - Bodily Injury & Property Damage 1.43% $12,204,133 $11,975,086 $0 $8,378,627 $11,435,959 $0 136.49%
2022 Products Liability 0.15% $66,121 $65,361 $0 $58,390 $448,927 $0 0%
2022 Total Private Passenger Automobile 5.67% $268,401,919 $257,358,499 $0 $181,961,791 $188,822,550 $0 103.77%
2022 Private Passenger Auto Liability Bodily Injury 3.82% $46,734,273 $45,038,023 $0 $39,086,191 $42,083,338 $0 107.67%
2022 Private Passenger Auto Liability Property Damage 7.46% $63,829,855 $61,513,693 $0 $35,772,383 $38,515,426 $0 107.67%
2022 Private Passenger Auto Medical Payments 6.96% $6,176,546 $6,171,391 $0 $3,536,918 $3,808,131 $0 107.67%
2022 Private Passenger Uninsured Motorists 3.35% $8,481,885 $8,135,804 $0 $7,110,631 $7,655,877 $0 107.67%
2022 Private Passenger Underinsured Motorists 4.94% $4,309,067 $4,099,247 $0 $1,745,500 $1,879,346 $0 107.67%
2022 Private Passenger Accidential Death & Disab/Dism 31.93% $529,637 $538,596 $0 $171,666 $184,829 $0 107.67%
2022 Private Passenger Auto Comprehensive 7.59% $70,603,243 $66,699,053 $0 $44,452,705 $44,526,575 $0 100.17%
2022 Private Passenger Auto Collision 5.22% $67,737,413 $65,162,692 $0 $50,085,797 $50,169,028 $0 100.17%
2022 Total Commercial Automobile 0.06% $565,993 $576,605 $0 $188,243 $495,883 $0 263.43%
2022 Commercial Auto Liability Bodily Injury 0.04% $177,619 $181,773 $0 $0 $0 $0 0%
2022 Commercial Auto Liability Property Damage 0.06% $95,641 $97,878 $0 $17,955 $326,575 $0 0%
2022 Commercial Auto Medical Payments 0.48% $34,175 $34,747 $0 $0 $0 $0 0%
2022 Commercial Auto Uninsured Motorists 0.3% $113,157 $115,351 $0 $-167 $-3,041 $0 0%
2022 Commercial Auto Comprehensive 0.05% $67,663 $68,514 $0 $91,684 $92,703 $0 101.11%
2022 Commercial Auto Collision 0.04% $77,738 $78,342 $0 $78,771 $79,646 $0 101.11%
2022 Burglary & Theft 5.39% $391,222 $337,221 $0 $13,676 $52,638 $0 384.89%
2021 Total Property & Casualty 3.46% $459,705,338 $450,022,816 $0 $264,867,037 $287,396,459 $0 108.51%
2021 Total Fire & Allied Lines 7.08% $46,743,576 $45,370,941 $0 $21,227,914 $22,394,919 $0 105.5%
2021 Dwelling Fire & Allied Lines 27.26% $39,529,158 $38,515,389 $0 $17,331,998 $18,284,825 $0 105.5%
2021 Commercial Fire & Allied Lines 0.85% $2,836,684 $2,630,656 $0 $1,677,853 $1,770,093 $0 105.5%
2021 Farm Fire & Allied Lines 2.42% $4,377,734 $4,224,896 $0 $2,218,063 $2,340,001 $0 105.5%
2021 Farmowners Multi-Peril 9.91% $21,030,354 $20,834,829 $0 $10,141,469 $10,614,373 $0 104.66%
2021 Total Homeowners 4.77% $117,237,921 $114,063,865 $0 $59,560,063 $65,391,495 $0 109.79%
2021 Homeowners Multi-Peril 4.96% $117,237,921 $114,063,865 $0 $59,560,063 $65,391,495 $0 109.79%
2021 Commercial Multi-Peril 1.37% $12,619,448 $12,292,765 $0 $6,625,349 $6,966,377 $0 105.15%
2021 Mobile Homes 10.36% $3,029,297 $2,981,655 $0 $1,986,583 $2,181,086 $0 109.79%
2021 Inland Marine (Incl Auto Cargo) 1.15% $5,403,429 $5,111,127 $0 $2,417,406 $2,512,104 $0 103.92%
2021 Earthquake 2.99% $3,897,324 $3,885,393 $0 $0 $6,000 $0 0%
2021 Direct Workers Compensation 0% $0 $0 $0 $113,203 $0 $0 0%
2021 Other Liability - Bodily Injury & Property Damage 1.42% $11,528,191 $11,086,190 $0 $5,401,291 $5,743,355 $0 106.33%
2021 Products Liability 0.16% $66,755 $66,465 $0 $0 $0 $0 0%
2021 Total Private Passenger Automobile 5.35% $237,217,957 $233,389,664 $0 $156,726,285 $171,500,370 $0 109.43%
2021 Private Passenger Auto Liability Bodily Injury 3.54% $41,622,294 $41,219,328 $0 $34,861,064 $40,613,245 $0 116.5%
2021 Private Passenger Auto Liability Property Damage 7.06% $56,820,484 $56,214,320 $0 $32,634,280 $38,019,034 $0 116.5%
2021 Private Passenger Auto Medical Payments 6.85% $6,217,419 $6,249,752 $0 $3,428,304 $3,993,985 $0 116.5%
2021 Private Passenger Uninsured Motorists 3.18% $7,302,330 $7,177,227 $0 $5,107,260 $5,949,973 $0 116.5%
2021 Private Passenger Underinsured Motorists 4.57% $3,534,905 $3,422,200 $0 $2,288,539 $2,666,155 $0 116.5%
2021 Private Passenger Accidential Death & Disab/Dism 32.99% $556,621 $563,192 $0 $120,000 $139,800 $0 116.5%
2021 Private Passenger Auto Comprehensive 7.02% $60,500,557 $58,975,910 $0 $34,700,303 $35,512,036 $0 102.34%
2021 Private Passenger Auto Collision 5.08% $60,663,347 $59,567,735 $0 $43,586,535 $44,606,142 $0 102.34%
2021 Total Commercial Automobile 0.07% $591,406 $601,413 $0 $645,777 $75,023 $0 11.62%
2021 Commercial Auto Liability Bodily Injury 0.04% $186,599 $190,459 $0 $509,787 $-38,470 $0 -7.55%
2021 Commercial Auto Liability Property Damage 0.08% $100,477 $102,555 $0 $16,757 $-1,265 $0 -7.55%
2021 Commercial Auto Medical Payments 0.54% $35,742 $36,328 $0 $8,001 $-604 $0 -7.55%
2021 Commercial Auto Uninsured Motorists 0.4% $117,031 $119,018 $0 $-157 $12 $0 -7.64%
2021 Commercial Auto Comprehensive 0.07% $70,641 $71,316 $0 $31,158 $32,266 $0 103.56%
2021 Commercial Auto Collision 0.05% $80,916 $81,737 $0 $80,231 $83,084 $0 103.56%
2021 Burglary & Theft 4.99% $339,680 $338,509 $0 $21,697 $11,357 $0 52.34%

Complaint Index

Link to Consumer Complaint Index Page
Year Line Market Share Number of Complaints Complaint Index
2025 Private Passenger Auto 6.06% 70 52
2025 Homeowners 5.5% 54 39
2024 Private Passenger Auto 5.88% 44 42
2024 Homeowners 5.32% 31 43
2023 Private Passenger Auto 5.61% 41 42
2023 Homeowners 6.37% 37 47
2022 Private Passenger Auto 5.51% 42 51
2022 Homeowners 6.42% 30 49
2021 Private Passenger Auto 5.37% 57 71
2021 Homeowners 6.47% 30 52

Company Changes

This company does not have any company changes.

Market Regulation Actions

Date:
2016-11-23

Financial Exams

Date:
2014-06-06
Date:
2018-06-18
Date:
2023-05-01