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

We are pleased to share with you the numbers that allow us all to rest assured that our policyholders and their assets are protected by a financially rock solid balance sheet. Perhaps the strongest “solvency” indicator in the world of Mutual Insurance and Statutory Accounting is the ratio of “net written premium to surplus.” This ratio cannot be looked at in a vacuum because it can be overcome using other financial protections such as reinsurance, but it is a number that, standing alone, confirms financial strength. For decades, Wolverine operated with a premium to surplus ratio of about 2 to 1. We are very comfortable with that ratio. Not wishing to sit still, however, we have reduced our leverage substantially over the past 24 months from 2.03 to 1 at year-end 2014 to 1.56 to 1 today. Over that same period we have increased surplus from $18 million to $22 million and assets from $50 million to $57 million.

New for 2017? We are celebrating our centennial! That’s 100 years in business and going strong. The Laing Family stewardship of Wolverine has been consistent and profitable from its founding by my Grandfather in 1917, through my Father’s guidance from the post WWII period through the turn of the century, my Brother’s for over 40 years and counting and mine over the past couple of decades. We plan to celebrate this notable achievement throughout the year by giving back to our community, employees and agents.

Sincerely,

sig
James S. Laing
President

Key Financial Data	2016	2015
Assets	$56,919,751	$53,390,967
Liabilities	$34,869,673	$32,828,278
Policyholder's Surplus	$22,050,078	$20,562,689
Direct Premiums Written	$43,738,246	$45,960,634
Net Premiums Earned	$35,147,344	$36,325,982
Losses Incurred	$19,646,870	$18,728,848
Loss Ratio	55.9%	51.6%
Combined Ratio	98.4%	95.1%
RATIO-NET WRITTEN PREMIUM TO SURPLUS	1.56	1.76

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
Michigan eLab Capital Associates, LLC
Michigan eLab Investment Company, LLC
Ann Arbor, Michigan

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

Officers and Department Heads

G. Bruce Laing	Chairman & Secretary
James S. Laing	President
Sally M. Matthews	Treasurer
David M. Peterson	General Counsel, Vice President- Claims
William T. Jennings	Vice President- Underwriting
David L. Moran	Vice President- Marketing
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
Charles J. Banyai	Assistant Treasurer
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 Rated the Best in Michigan

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 2016 survey, Wolverine Mutual was ranked 1st in the Claims Handling in Personal Lines category. We not only earned top billing in this important category but our score was the single highest score in any category in the survey.

We’re thrilled with the honor!

Nothing is more important to us than 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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Make a claim - Have a claim? For a quick response, click here.

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