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A mutual (cooperative) insurance company is a mutual endeavor between the company, its policyholders and the local community. We are proud of our strong local ties and the important contributions made by our company to the future growth of our community in the form of taxes, investments and leadership.
Related to coinsurance clause: co-insurance. A provision of an insurance policy that provides that the insurance company and the insured will apportion between them any loss covered by the policy according to a fixed percentage of the value for which the property, or the person, is insured.