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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.
A group insurance contract is between the group sponsor and the insurance company. The group sponsor receives a Master Policy, while individual employees receive a Certificate of Insurance and a Summary of Benefits. All employees have the same coverage.