An Introduction to the Brethren Mutual Insurance Company



Though not currently a “household name” insurer, the small Brethren Mutual Insurance Company has been in existence for over 110 years. This insurance company was established in 1897 in Hagerstown, Maryland, where it is still headquartered. It is a smaller company, employing just fewer than 150 employees as of this date, but holds almost 100,000 policies in its tri-state area. It currently enjoys an “A” (excellent) rating by the A.M. Best Company.

Brethren Mutual claims to have introduced the first farm owner’s insurance policy in Maryland in 1960. It is currently the largest farm insurer in the state of Maryland, and also sells policies in Pennsylvania and Virginia. The company also ranks around 20th in sales of private automobile insurance and homeowners insurance in Maryland.

Brethren offers personal, commercial and farm insurance products. It does not offer life insurance or health insurance. Personal insurance policies offered include automobile, homeowners, renters, mobile home, personal umbrella policies, and more. Its products are sold through independent insurance agencies, and not company employees. There are many flexible payment options for paying insurance premiums, such as paying the premium in full or in installments, paying at the agent’s office or paying online, and paying with cash or credit card.

The company does offer multi-policy premium discounts to its customers. Other such premium benefits include safe driving history discounts, good student discounts, multi-vehicle discounts, discounts for completion of driver improvement courses, and discounts for having things such as anti-theft devices, anti-lock braking, active/passive restraints and more.

In the event of an accident or other loss, claims may be reported to the customer’s agent or the claims department in Hagerstown, MD. Brethren also allows policy holders to report claims on-line 24/7, stating that the policy holder will receive a response from the claims department within 24 hours. Claims are handled by both the company's claims employees and retained independent adjusters. The company does utilize a direct repair body shop program and an easy-to-use glass repair/replacement program.

Brethren Mutual was named the 2011 Super Regional Property/Casualty Insurer by Demotech, Inc., the official researcher for Insurance Journal. This is the second year in a row that the company has earned this distinction.

Whether you are an investor, or shopping around for an automobile insurance policy, this seems to be a company to keep your eye on. If you live within Brethren Mutual's market area, make sure to get a policy quote before you make a final decision about which company to purchase a policy from. You might be pleasantly surprised.

If you have even worked for Brethren Mutual Insurance or had a policy with them, our readers would love to hear from you. What did you think about the company? What did you like or dislike about it. How was the customer service. Please share your insights or personal story with the rest of our insurance community. Just fill out the web-form below to get started. Thank you.

This article is written for informational purposes and is not intended to take the place of competent local legal counsel. The writer is not associated with this insurance company or any of its affiliates. This website does not endorse any specific automobile insurance company over another.

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