Goodville Mutual

What Goodville Mutual does

Goodville Mutual Casualty Company is a privately held mutual property and casualty insurance company founded in 1926 in Lancaster County, Pennsylvania, and headquartered in New Holland, PA. Operating exclusively through a network of 263 independent insurance agencies across nine states (PA, IN, OH, SD, KS, IL, DE, VA, OK), the company underwrites personal auto, homeowners, small business, church, farm, and umbrella policies for individuals, families, farms, small businesses, and religious institutions, with concentrations in Mennonite/Anabaptist communities. As a mutual, it is owned by its policyholders and reinvests profits rather than distributing them to outside shareholders; its revenue model is recurring insurance premiums, with 2025 Direct Premium Written of approximately $469.5M and policyholder surplus of $341.1M against total assets of $694.8M.

The company's underlying technology stack includes a proprietary online quoting and policy-submission system for agents, a cloud-based policy and billing platform that now powers the Commercial Auto line (with additional lines planned), the Hi Marley text-messaging claims communication platform, and the WhiskerLabs Ting fire-prevention sensor program distributed at no cost to homeowners. Underwriting relies on a credit-based insurance scoring model from LexisNexis Risk Solutions. Goodville also operates affiliated entities including Lancaster Mutual Insurance Company (1996) and De Smet Farm Mutual Insurance Company of South Dakota (2023). The company holds an AM Best A (Excellent) Financial Strength Rating with a+ Issuer Credit Rating (Stable Outlook) and has appeared on Ward's 50 P&C Top Performers list for 16 consecutive years.

Name

Goodville Mutual

Legal name

Goodville Mutual Casualty Company

Website

https://goodville.com

Company type

Private

Founded year

1926

Operating status

Operating

Headcount range

101–250 employees

Short description

Goodville Mutual is a policyholder-owned mutual property and casualty insurer founded in 1926, underwriting auto, home, farm, church, business, and umbrella coverages for individuals, families, farms, and small businesses exclusively through 263 independent agents across nine U.S. states.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Insurance Carriers (5241), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Workers’ Compensation for High-Hazard & Specialty Trades (FSAJAEAF)

akta.pro secondary industry

Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Property casualty insurance
• Homeowners insurance
• Auto insurance
• Farm insurance
• Mutual insurance company

Headquarters

HQ city

New Holland

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Marketing or Sales, Personnel, Technology or R&D, Infrastructure, Others

Revenue model

1. Property and Casualty Insurance Premiums: As a mutual insurance company, Goodville collects insurance premiums from policyholders. Premiums are the primary revenue source. The company reinvests profits into the company for the benefit of members, not outside shareholders. Direct Premium Written reached $469,539,785 in 2025 with policyholder surplus of $341,115,275.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Goodville Mutual Casualty Company is a property and casualty mutual insurance company founded in 1926 that provides comprehensive insurance coverage for personal autos, homes, farms, businesses, churches, and umbrella liability. The company collects insurance premiums from policyholders through a network of 263 independent insurance agencies across eight states (PA, IN, OH, SD, KS, IL, DE, VA) and reinvests profits for the benefit of its members rather than outside shareholders.

Product overview

Goodville Mutual is a property and casualty insurance company offering a portfolio of core insurance products through independent agents across eight states. The core product line includes Personal Auto, Homeowners (Home), Business, Church, Farm, and Umbrella insurance policies. The company also provides various add-on endorsements and enhanced coverage packages including Personal Auto Plus, Home Cover Extra, Home Cover Plus, Farm Cover/Farm Cover Plus, Business Cover Plus, Identity Fraud Expense Coverage, and the Ting Fire Prevention program. Products are distributed exclusively through independent insurance agents and marketed under a single unified brand, with affiliated companies Lancaster Mutual Insurance Company and De Smet Farm Mutual Insurance Company operating in specific states.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance Vehicle insurance covering liability, uninsured/underinsured motorists, comprehensive coverage, and collision for individual vehicle owners. Sold through licensed independent agents in eight states.
• Homeowners Insurance Property and liability insurance for residences covering the home, other structures, personal belongings, and additional living costs while repairs are made. Covers personal homeowners, country homes up to 80 acres, and tenants in rental residences.
• Business Insurance Commercial insurance offering Business Cover for apartments, rental dwellings, mercantile or service operations, and offices; Commercial Auto for business vehicles; Home Business for home-based side businesses; and Tradesman Cover for contractors.
• Church Insurance Specialized insurance for churches covering buildings, contents, liability, and unique church-specific exposures including parsonage liability, cemetery liability, pastoral counseling liability, and arson rewards.
• Farm Insurance Comprehensive farm insurance covering homes, barns, farm buildings, silos, personal property, livestock, farm equipment, and farm liability for farming activities including custom farm work.
• Umbrella Insurance Personal, farm, and commercial umbrella liability policies providing additional coverage layers above home, auto, farm, or business liability policy limits, with limits of $1 million or more available.

Named customers4 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core.

• WhiskerLabscoreTechnology or Integration · 1 January 2025Partnership to offer WhiskerLabs' Ting fire prevention solution at no cost to all homeowners. In 2025, Goodville distributed 5,565 Ting sensors which identified and prevented 29 fire hazards. Ting plugs into any standard electrical outlet and detects dangerous electrical arcing signals across a home's wiring and appliances, alerting members via app. Participants receive a $1,000 labor repair credit for fire hazards identified. Plans extend offering to farm owners.
• Hi MarleycoreTechnology or Integration · 1 January 2025Text messaging platform enabling claims handlers to communicate with members and claimants via text. Hi Marley helps adjusters provide faster communication and supports multiple languages to keep members better informed about claims. Part of Goodville's 'Technology Supports Our Mission' guiding principle.
• De Smet Farm Mutual Insurance CompanycoreStrategic or Co-development Partner · 1 January 2025De Smet team members transitioned to employees of Goodville Mutual Casualty Company. Successfully transitioned De Smet personal auto line of business to a cloud-based modern platform. De Smet operates in South Dakota and Oklahoma. Goodville extends Ting fire prevention offering to De Smet farm owners.
• Reamstown Mutual Insurance CompanycoreStrategic or Co-development Partner · 1 January 2019Affiliated with Reamstown Mutual Insurance Company in Reamstown, PA in 2019. 2019 was also the tenth consecutive year Goodville was named on Ward's 50 P&C Top Performers list.
• German Mutual Insurance CompanycoreStrategic or Co-development Partner · 1 January 2013Affiliated with German Mutual Insurance Company in Napoleon, Ohio in 2013. Regional office maintained in Napoleon, OH for De Smet operations.
• Six Mennonite-related mutual fire insurance companies (PA)coreStrategic or Co-development Partner · 1 January 1996Merged with six Mennonite-related mutual fire insurance companies in Pennsylvania in 1996, significantly expanding the company's footprint and product offerings. Previous mergers include Earl Mutual (1988, farm and mobile home coverage).

Scale indicators10 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• Donegal Group: Regional P&C holding company with roots in Pennsylvania's mutual insurance community, distributed through independent agents. Strong geographic and structural overlap with Goodville's Mid-Atlantic operations.
• Cincinnati Financial: Stock-listed but mutually-influenced regional P&C carrier distributed through independent agents with strong commercial and personal lines. Comparable in geographic concentration, agent-channel focus, and conservative underwriting culture.
• Erie Insurance Group: Regional mutual P&C insurer with similar agent-distributed model, personal/commercial/farm product mix, and footprint in Mid-Atlantic and Midwest. Closely comparable in structure, product breadth, and target customer segments.
• Shelter Insurance: Mutual P&C insurer with overlapping personal auto, home, and farm coverage and similar geographic concentration in the Midwest. Strong analog in mutual ownership structure and values-driven culture.
• Selective Insurance Group: Standard-market regional P&C insurer distributed through independent agents, with comparable personal and commercial product offerings and Mid-Atlantic/Midwest operating geography.
• NJM Insurance Group: Mutual P&C insurer with strong personal auto and homeowners focus and similar agent-and-employee-aligned mutual ownership model. Comparable in values-based mutual culture and mid-Atlantic positioning.
• Auto-Owners Insurance: Mutual P&C insurer operating exclusively through independent agents across similar Midwestern and Mid-Atlantic states. Highly comparable business model, channel strategy, and product portfolio spanning personal, commercial, and specialty lines.
• EMC Insurance Companies: Mutual-style P&C insurer distributed through independent agents with similar personal, commercial, and farm product mix and a comparable regional Midwest operating footprint.
• Westfield Insurance: Mutual P&C carrier selling through independent agents with comparable personal/commercial/farm product mix and similar Mid-Atlantic and Midwest footprint. Comparable scale and channel strategy.

Regional players

• Penn National Insurance: Pennsylvania-headquartered regional mutual P&C carrier with overlapping product portfolio and similar agent-distribution model. Strong direct competitor for agents and policyholders across Goodville's core PA territory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/goodvillemutual
• LinkedInlinkedin.com/company/goodville-mutual-casualty-co-

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Goodville Mutual