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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.
Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for money. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.An insurer, or insurance carrier, is selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy. Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. 2  Most ordinary home insurance policies do not cover earthquake damage. 3  Earthquake insurance policies generally feature a high deductible.