In the mid to late 1800’s, farmers could not afford (or the cost was too prohibitive) to purchase property insurance on their residence, personal property and outbuildings. In those days, stock insurance companies felt that if there was a farm fire, it would most probably be a total loss by the time the fire department arrived on the scene. Therefore, they were reluctant to insure farm property. At this time many local insurance companies sprang up throughout Wisconsin, at one time over 300 companies. They were called town mutuals and were only insuring for fire coverage. The format was that 25 farmers were needed to originate a company to insure each other’s losses. The concept was neighbor insuring neighbor. These community founded companies were organized and continue to operate under the supervision of a Board of Directors of local community members. Today Wisconsin River Mutual Insurance Company provides coverage for homeowners, farm owners, extended coverage, personal auto, mobile homeowners, dwelling packages, inland marine, watercraft, personal umbrella, commercial package policies, general liability, business owners and commercial property.
Our Mission is to meet the insurance needs of our members through competent agents, while providing quality insurance products