GuideOne Insurance
GuideOne Insurance is a mutual property and casualty insurer founded in 1947, serving religious organizations, nonprofits, senior living facilities, and small businesses across all 50 states through an independent agent network, complemented by the GuideVantage value-added services platform.
- Company typePrivate
- Founded1947
- HeadquartersDes Moines, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingServices
What GuideOne Insurance does
GuideOne Insurance is an independent mutual property and casualty insurer founded in 1947 and headquartered in West Des Moines, Iowa. Owned by its policyholders rather than shareholders, the company specializes in serving niche verticals that generalist carriers underweight — primarily religious organizations, nonprofit and human services agencies (including aging services, behavioral health, developmentally disabled, and youth services), educational institutions, senior living facilities, and small businesses. GuideOne is licensed in all 50 states, holds an A.M. Best A- (Excellent) financial strength rating, and distributes exclusively through thousands of independent agents serving more than 50,000 commercial policyholders.
The company's product architecture is built around core commercial coverage lines (commercial property and liability, workers' compensation, commercial auto) layered with the GuideVantage platform, a suite of value-added services — including abuse prevention training (via MinistrySafe/APS), armed intruder training (Strategos), crisis prevention (CPI), vehicle telematics (Azuga), cyber coverage (Hartford Steam Boiler), anonymous reporting, background screenings, and a learning management system — delivered at no or discounted cost to policyholders. Notable technical components include RYZEQAi, an AI-powered claims review tool co-developed with The Mutual Group and RYZE Claim Solutions that automates regulatory compliance audits and won the NAMIC 2025 Innovation Award.
GuideOne generates revenue through insurance premiums on a subscription/annual billing cadence with quote-based pricing negotiated through independent agents. In December 2023, Bain Capital Insurance invested $200 million to reinforce capital and support a new platform dedicated to mutual insurers; the company's operations are also supported by The Mutual Group, which services more than $800 million in annual premium across 50,000 commercial policyholders. The company finished 2025 with $586.5 million in surplus and $23.5 million in net income against a 101.3% combined ratio. Leadership includes President & CEO Kenneth Cadematori and a board chaired by Bernard Hengesbaugh, with Tom Swank joining the board effective January 1, 2026.
GuideOne Insurance firmographics
Firmographics- Name
- GuideOne Insurance
- Legal name
- GuideOne Insurance Company
- Website
- https://guideone.com
- Company type
- Private
- Founded year
- 1947
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- GuideOne Insurance is a mutual property and casualty insurer founded in 1947, serving religious organizations, nonprofits, senior living facilities, and small businesses across all 50 states through an independent agent network, complemented by the GuideVantage value-added services platform.
- Ownership category
- akta.pro rank
Where GuideOne Insurance is headquartered
LocationHeadquarters
- HQ city
- Des Moines
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
GuideOne Insurance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Insurance Premium Revenue: GuideOne generates revenue through property and casualty insurance premiums, workers' compensation, commercial auto, and other commercial lines for religious organizations, nonprofits, small businesses, and programs markets. As a mutual insurer, any operating surpluses are retained for policyholders.
- Value-Added Services (GuideVantage): GuideOne offers a suite of value-added services including risk management, charitable giving, human resources support, abuse prevention training, and cybersecurity tools, provided at no cost or significantly discounted rates for policyholders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Religious Organizations |
| Subscription | Annual | Nonprofit & Human Services |
| Subscription | Annual | Education |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels6 records
GuideOne Insurance product offering
Product offeringCore offering
GuideOne Insurance underwrites and distributes commercial property and casualty insurance products—including commercial property and liability, workers' compensation, and commercial auto—for religious organizations, nonprofits, human services agencies, educational institutions, senior living facilities, and small businesses. Coverage is sold exclusively through independent agents across all 50 U.S. states and is paired with a value-added services suite called GuideVantage that bundles risk management, training, telematics, and cyber resources.
Product overview
GuideOne Insurance is an independent mutual insurer providing property and casualty insurance and risk management solutions. The company offers a platform-plus-modules architecture anchored by core commercial insurance products (property & liability, workers' compensation, commercial auto) for religious organizations, nonprofits, senior living, small businesses, and educational institutions. The GuideVantage platform delivers bundled value-added services including SafeChurch for religious-specific risks, Abuse Prevention training, Anonymous Reporting, Armed Intruder Training, Crisis Prevention, Vehicle Telematics via Azuga, and a Learning Management System. Add-on coverage modules include Cyber Suite (cyber insurance), Religious Expression Coverage, and Background Screenings. The company has recently introduced RYZEQAi, an AI-powered claims review tool.
Differentiator
Problem solved
Functional benefit
Brands
- GuideVantage®: A suite of value-added services for policyholders including risk management, charitable giving resources, human resources tools, and the GuideOne Insurance Training Center learning management system.
- SafeChurch®
- GuideOne Foundation
Products and services
- Commercial Property and Liability Insurance Core commercial property and liability coverage protecting organizations' buildings, assets, and operations against risks such as property damage, business interruption, and general liability. Sold exclusively through independent agents to religious organizations, nonprofits, senior living facilities, small businesses, and educational institutions.
- Workers' Compensation Insurance
Quantifiable outcome
- AI-powered claims review (RYZEQAi) has led to significantly fewer manual errors, higher audit scores, and measurable cost and time savings.
Companies that use GuideOne Insurance
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles5 records
GuideOne Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability3 records
Feature1 record
GuideOne Insurance partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- AzugacoreGuideOne partners with Azuga to provide a Safety Driven Telematics solution for fleet management and driver safety. Offered at discounted rates for GuideOne policyholders, the Azuga platform enables monitoring of driver behavior, fleet operations, vehicle maintenance alerts, real-time vehicle usage alerts, and mobile reporting. The partnership helps organizations improve operations, reduce costs, and enhance driver safety.
- Crisis Prevention Institute (CPI)coreGuideOne partners with Crisis Prevention Institute (CPI) to provide nonviolent and de-escalation training and certification programs for policyholders, equipping organizations to safely manage and prevent crises.
- MinistrySafe and Abuse Prevention Systems (APS)coreGuideOne partners with MinistrySafe and Abuse Prevention Systems (APS) to offer organizations sexual abuse awareness training. Together they provide over 60 years of combined experience in abuse prevention, helping religious and nonprofit organizations protect vulnerable populations.
- Strategos InternationalcoreGuideOne partners with Strategos International to provide armed intruder training for policyholders, helping organizations prepare for and respond to active shooter and armed intruder situations.
- Hartford Steam BoilercoreGuideOne partnered with Hartford Steam Boiler to provide Cyber Suite Coverage — a comprehensive, claims-made cyber insurance solution providing nine coverages bundled into one form. The partnership helps protect policyholders from cyber risks including data breaches, hacking, network security liability, and cyber extortion.
- SubsplashminorGuideOne announced an alliance with Subsplash to offer online giving capabilities to policyholders, helping religious organizations accept digital and electronic donations.
- The Mutual GroupcoreThe Mutual Group provides operational support including underwriting, claims, corporate services, and technology. GuideOne describes the partnership as a 'solid, well-aligned partnership' that provides 'meaningful advantage within the industry.' The Mutual Group's ongoing investments in people, systems, and analytics enhance GuideOne's long-term capabilities. The Mutual Group has more than $800 million in annual premium serviced across 50,000 commercial policyholders and is a Bain Capital Insurance Portfolio Company.
- RYZE Claim SolutionscoreGuideOne co-developed RYZEQAi, an AI-powered quality assurance tool for automated claims reviews, in partnership with RYZE Claim Solutions and The Mutual Group. The tool improves operational efficiency and was recognized with a NAMIC Award in Innovation in 2025.
Scale indicators6 records
Recent moves7 records
Expansion highlights5 records
GuideOne Insurance competitors and assessment
Company assessmentDirect peers
- Church Mutual Insurance: Direct competitor specializing in religious organization and faith-based insurance, offering property, liability, and abuse prevention products with similar niche focus as GuideOne.
- Brotherhood Mutual Insurance: Direct peer providing property and casualty insurance exclusively to churches, ministries, and Christian nonprofit organizations; shares GuideOne's niche specialization model.
- Nonprofits Insurance Alliance: Specialty carrier providing liability and property insurance to nonprofit organizations, directly comparable to GuideOne's nonprofit and human services segment.
Broad incumbents
- Cincinnati Financial: Established commercial P&C carrier with broad agency distribution and specialty niche capabilities; offers overlapping commercial property/liability products through independent agents.
- Hanover Insurance Group: Specialty commercial P&C insurer with focus on niche verticals through independent agents; comparable business model and distribution approach to GuideOne.
- Markel Corporation: Specialty insurer with expertise in niche commercial markets and excess/surplus lines; relevant as a broader specialty P&C competitor to GuideOne's niche-focused model.
- Selective Insurance Group: Commercial P&C carrier focused on small to mid-market businesses through independent agents; overlaps with GuideOne's small business and program markets segments.
- Westfield Insurance: Mid-sized mutual P&C insurer with specialty commercial and niche expertise, distributed through independent agents; relevant comparable given similar mutual structure and agent-driven model.
- Liberty Mutual Insurance: Large national P&C insurer with a business insurance division serving commercial accounts; provides broad-based competitive context for GuideOne's specialty commercial lines.
Others
- The Mutual Group: Service provider delivering underwriting, claims, and corporate services to mutual insurers including GuideOne; relevant as a strategic ecosystem partner given Bain Capital's mutual insurance platform vision.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key highlights7 records
Customer concentration
GuideOne Insurance social profiles
Digital presenceGuideOne Insurance compliance and trust
Trust signalCompliance1 record
GuideOne Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
GuideOne Insurance leadership team
Management profileNumber of profiles
Profiles12 records
GuideOne Insurance subsidiaries and ownership
Company hierarchySubsidiaries9 records
GuideOne Insurance funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GuideOne Insurance M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about GuideOne Insurance
What does GuideOne Insurance do?
GuideOne Insurance underwrites and distributes commercial property and casualty insurance products—including commercial property and liability, workers' compensation, and commercial auto—for religious organizations, nonprofits, human services agencies, educational institutions, senior living facilities, and small businesses. Coverage is sold exclusively through independent agents across all 50 U.S. states and is paired with a value-added services suite called GuideVantage that bundles risk management, training, telematics, and cyber resources.
Is GuideOne Insurance a public or private company?
GuideOne Insurance is a private company. It is classified as private equity controlled and is currently operating.
When was GuideOne Insurance founded?
GuideOne Insurance was founded in 1947. It employs 501 to 1,000 people.
Where is GuideOne Insurance based?
GuideOne Insurance is headquartered in Des Moines, United States, in the North America region.
How does GuideOne Insurance make money?
Two revenue lines are on record. Insurance Premium Revenue is the primary driver. The others are value-Added Services (GuideVantage).
Who are GuideOne Insurance's main competitors?
Direct peers on record are Church Mutual Insurance, Brotherhood Mutual Insurance and Nonprofits Insurance Alliance. Broad incumbents are Cincinnati Financial, Hanover Insurance Group, Markel Corporation, Selective Insurance Group, Westfield Insurance and Liberty Mutual Insurance. The Mutual Group is listed as an others.
Does GuideOne Insurance have an API?
No public API is recorded for GuideOne Insurance.