It’s the 21st Century. Are you covered? Risk management is now more difficult than ever. Beyond the basic “Acts of God,” work comp regulations, lawsuit exposure and general loss from business interruption, now you have to be concerned with something else. That something is Cyber Liability. Sure, you could ignore it. After all, it might not happen to you. But as a business owner that employs people that depend on...

After a tough 2nd quarter, or more specifically a tough May, our financial results in 2012 have been slowly recovering. Our Combined Ratio is 101 through September 30. After incurring a record amount of storm claims for one month in May we are relieved that the subsequent months were much less stormy months. As apprehensive we were about how May started the traditional storm season, we are now relieved to...

I wonder if the originator of the above phrase was also thinking of including hail, windstorm, and tornadoes?? I doubt it. I’ll bet the person did not work in the Insurance business. One month can make large difference in this business. In our case, this month was May. May of 2012 set an all time record for storm losses in a given month for MFM and a second place month...

Our first quarter loss and premium results were excellent. Results to date are meeting or exceeding our business plan expectations and place us in very good position to financially absorb the expected losses we will have from the traditional storm season ahead of us.

Our Combined Ratio for the first quarter is an excellent 87. This result is roughly 9 points better than 1 year ago. Our claim count is...

Midwest Family Mutual has expanded to 11 states as part of a continued effort to geographically diversify its exposures. We are now quoting commercial business effective IMMEDIATELY!!!! At this time, our plans are to offer only our commercial products in these new states. We may accompany the commercial offerings with our personal lines package at a later date. In order to accommodate your request, please know that we need a...