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

2017 is in the books and it’s a pleasure to share our results with you again after another fine year for Wolverine Mutual. We continued our historical trend of marginally profitable year end numbers. If we make any profit we consider it a strong year. Our goal is to price our policies to generate something close to break even. Near break-even results confirm that we are providing insurance at the lowest sustainable rate over the long term, guaranteeing our commitment to our agents and policyholders to be here for you in time of need. We must be doing something right----100 years and counting!

Our 97% combined ratio, 8.4% surplus growth to $23.9 million, and substantially enhanced writings to surplus ratio of 1.34 to 1 confirm Wolverine is on solid ground, consistently moving to strengthen and improve our financial performance. We cannot do this without the invaluable assistance of our extraordinary team of independent agents. We rely on you introduce Wolverine to your customers and to assist us in making service matter.

Nevertheless the insurance market is not without its challenges. We find our size to be of great advantage when it comes to direct customer service to all of our stakeholders. However, the “big dogs” are constantly challenging us in many different ways. Ever see an ad for auto insurance on TV? Wolverine has finally found the right partner on the technology front and will be rolling out new “ease of use” internet services in 2018. We can’t wait! We know you will be pleasantly surprised and welcoming to these new products and services, designed solely for the benefit of our policyholders and agents.

Our best wishes to our entire community of friends and partners. We are happy to address any questions or ideas you may have that might result in constructive improvement of the personal lines insurance buying, servicing and/or claims experience. How can we help you?

Sincerely,

sig
James S. Laing
President

Key Financial Data	2017	2016
Assets	$56,389,691	$56,919,751
Liabilities	$32,501,786	$34,869,673
Policyholder's Surplus	$23,887,905	$22,050,078
Direct Premiums Written	$41,212,284	$43,738,246
Net Premiums Earned	$32,726,019	$35,147,344
Losses Incurred	$15,897,344	$19,646,870
Loss Ratio	48.6%	55.9%
Combined Ratio	97.1%	98.4%
RATIO-NET WRITTEN PREMIUM TO SURPLUS	1.34	1.56

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
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 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 ...

Get a quote - When you need better coverage and service, click here.
Pay your bill - We offer easy payment to fit your budget and time. Click here.
Make a claim - Have a claim? For a quick response, click here.

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