About Us

Over a century of exceptional service

Most days go well. Then it happens. An accident. Nasty weather. A break in. Suddenly the things you value – your home, car, motorcycle, boat and recreational vehicle or rental property – needs repair or replacing.

That’s why you want to choose an insurance carrier that strives to respond to your claim within 24 hours of receiving it. A company that works with you and your independent insurance agent so there are no “surprises” when you get your settlement. A carrier that lets you choose the repair/construction service provider so you’re confident in the quality of workmanship. Wolverine Mutual Insurance Company is the carrier you want.

Need a quote on a new policy? Your local Wolverine Mutual independent insurance agent will respond quickly to your request. Unlike discount insurance agents that limit your choices or force you to settle for an insurance package that’s “close” to the coverage you want, your Wolverine agent will listen to your actual needs. You’ll learn what are state-mandated coverages and get advice on which optional coverages best suit your circumstances. Your agent will show you what discounts you qualify for so you can save on your premiums year after year. And you’ll learn what payment plan works with your budget.

Wolverine Mutual Insurance Company has provided this outstanding insurance coverage and exceptional claims service since 1917. Now more than 45,000 policyholders in Michigan, Indiana and Wisconsin know they’ll hear “it’s protected” when the things they value are damaged or lost.

That assurance comes from Wolverine Mutual’s commitment to provide a strong financial future for its policyholders. It is a commitment that has weathered some of our nation’s toughest economic times. It is a watchful eye that responds to ever-changing coverage needs. It is a company that cares about you.

For the name of a nearby Wolverine Mutual independent insurance agent who can help you get the insurance coverage you need, click here. If we can assist you with a quote on a competitively priced policy for your car, home, motorcycle, watercraft, recreational vehicle or rental dwelling, ask today. Or contact us, if there is any additional information we can provide, including learning about joining our best-in-the-industry independent agency plant.

Annual Statement

A Letter from the President

Is bigger always better? Depends. Do you want your insurance provider to give you personal service, flexibility, and understanding for the ebbs and flows of your daily life?

We find that our customers want financial security first … a company that is certain to provide the benefits of the insurance contract when needed. We have continuously strengthened our balance sheet and are backed by the finest reinsurance companies in the world. We will be there when you need us. Equally important, Wolverine customers desire service and understanding on a personal level. Wolverine chooses not to pretend to be all things to all people. We have chosen an alternative path … controlled growth, steady pricing, flexibility and the personal touch. We take great pride in working closely with our unsurpassed team of independent agents to assure the absolute best in personal service in underwriting and accounting and in handling your claims with speed and sensitivity.

We do not insure corporations. Our lifeblood and expertise, proven by over 100 years of experience in personal lines insurance, lies in providing you the best and broadest coverage for your premium dollar. We specialize in property and liability insurance for your home, car, apartment, motorcycle, treasured personal property and your toys. We are a one-stop shop for your personal insurance needs. Our approach is completely reliant on our agency partners … they too are significantly focused and devoted to helping you find the right insurance partner for you. Time and again we have paired with our agents to deliver the insurance purchase and claims experience you deserve. Ask for a Wolverine quote! We won’t disappoint.

All of us at Wolverine hope that 2019 brings health and prosperity to you and yours. From the Ohio River to the Straits of Mackinac, as my father would say in his best Scottish brogue: “lang may yer lum reek.” (Literally, “long may your chimney smoke,” but really spoken to mean “live long and happily”)

Sincerely,

sig
James S. Laing
President

Key Financial Data	2018	2017
Assets	$55,687,172	$56,389,691
Liabilities	$31,354,637	$32,501,786
Policyholder's Surplus	$24,332,535	$23,887,905
Direct Premiums Written	$40,044,260	$41,212,284
Net Premiums Earned	$31,177,122	$32,726,019
Losses Incurred	$15,938,952	$15,897,344
Loss Ratio	51.1%	48.6%
Combined Ratio	99.5%	97.1%
RATIO-NET WRITTEN PREMIUM TO SURPLUS	1.26	1.34

Key People

Board of Directors

G. Bruce Laing
Chairman & Secretary
Wolverine Mutual Insurance Company, Dowagiac, Michigan

James S. Laing
President
Wolverine Mutual Insurance Company, Dowagiac, Michigan

Robert D. Gottlieb
Former CFO
Wolverine Mutual Insurance Company, Dowagiac, Michigan

Emily C. Tobias
Attorney / CPA
Birmingham, Michigan

John F. Siff
President
Prairie Realty Advisors, Inc., Chicago, Illinois

Kevin C. Childress
President / CEO
myFreightWorld Technologies, Inc.
Kansas City, Missouri

Paul W. Brown
Managing Director, eLab Ventures
Ann Arbor, Michigan
Regent, University of Michigan Board of Regents

Andrew G. Laing
Associate Consultant
JMH Group, Washington, D.C.

Officers and Department Heads

G. Bruce Laing	Chairman & Secretary
James S. Laing	President
David M. Peterson	General Counsel, Vice President- Claims
William T. Jennings	Vice President- Underwriting
David L. Moran	Vice President- Marketing
Charles J. Banyai	Treasurer & CFO
Ryan J. Anderson	Manager, R&D
James A. Eichorst	Information Technology Manager
Dustin S. Rohdy	Network Administration Manager
Valerie A. Coates	Office Manager
Greg Cook	Property Claims Manager
Rhonda deVarona	Claims Coordinator
Sarah M. Northrup	Underwriting Coordinator

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Proudly saying “It’s covered” since 1917.

Most days go well. Then it happens. An accident. Nasty weather. A fire. A break in. Suddenly you need financial help to repair or replace what’s been damaged or lost.

For over 100 years, Wolverine Mutual Insurance Company has proudly told our policyholders that “it’s covered” when they need that assurance the most. Through a conservative stewardship of our policyholders’ money, personal property insurance policies that are written to truly protect what they own and a company-wide compassion during tough times, we’ve built a family of customers, agents and employees that have spanned generations. Our legacy of longevity has helped tens of thousands of people in Michigan, Indiana and Wisconsin feel more secure and we hope you’ll be part of our story over the next 100 years, too.

Wolverine’s Claim Service Earns Top-Three Ranking

Every two years, the Michigan Association of Insurance Agencies (MAIA) asks its member agencies to rank their carriers in their Agent Survey of Companies.

In the recently-released 2018 survey, Wolverine followed up their first-place ranking in 2016 with a top-three ranking in Claims Handling in Personal Lines. This consistently high grade from our agents underscores the importance we place on providing fast, fair and responsive claim service to our valuable policyholders. You can count on our commitment to deliver an excellent claims experience.

We can help you ...

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