Briar Creek Mutual Insurance Company
- Company typePrivate
- Founded1874
- HeadquartersBloomsburg, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Briar Creek Mutual Insurance Company does
Briar Creek Mutual Insurance Company is a Pennsylvania-domiciled, policyholder-owned mutual property and casualty insurer founded in 1874 by farmers and Grangers near Briar Creek to address excessive premiums and limited coverage availability in rural markets. Headquartered at 3161 Columbia Boulevard, Bloomsburg, PA (acquired May 2020), the company writes seven core lines: Farmowners, Homeowners, Mobile-Homeowners, Dwelling Fire, Business Owners, General Liability, and Inland Marine. Distribution is conducted through a regional network of independent insurance agents using the INSPRO enhanced quoting platform, supplemented by a direct ePay online payment portal. The company operates with a small staff of 1–10 employees and serves individual and small commercial policyholders throughout Pennsylvania.
The company maintains an AM Best A (Excellent) financial strength rating and held $18,018,237 in its Policyholders' Security Account (surplus) as of December 31, 2025, against $21,175,810 in total assets. For 2025, Direct Premium Written was $4,408,200 and Premiums Earned were $1,796,774, with a combined ratio of 109.71%, indicating an underwriting loss that is offset by investment income on the surplus base. The mutual structure returns profits to policyholders rather than external shareholders and underpins the company's value proposition of personalized service and stable, long-term coverage at competitive rates.
Governance is provided by a Board of Directors and Officers including Chairman Kent D. Shelhamer, Jr., President Liesl R. Wagner, Secretary Jeffrey W. Mizer, Treasurer Jeffrey Whitenight, and four additional directors. There is no parent company, external equity ownership, or disclosed subsidiary structure; the company is member-owned and operates on Annual Statement regulatory filings as its primary financial disclosure mechanism. Technology footprint is limited to the third-party INSPRO platform and an internal ePay payment portal, with no proprietary AI, data, or product engineering disclosed.
Briar Creek Mutual Insurance Company firmographics
Firmographics- Name
- Briar Creek Mutual Insurance Company
- Legal name
- Briar Creek Mutual Insurance Company
- Website
- https://briarcreekmutual.com
- Company type
- Private
- Founded year
- 1874
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Briar Creek Mutual Insurance Company industry classification
Industry- Product category
- Property and Casualty Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB)
- akta.pro secondary industry
- Habitational / Residential Property Managers BOP (FSAJAFAN)
Keywords
Where Briar Creek Mutual Insurance Company is headquartered
LocationHeadquarters
- HQ city
- Bloomsburg
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Briar Creek Mutual Insurance Company business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: Briar Creek Mutual Insurance Company generates revenue through property and casualty insurance premiums. As a mutual insurance company owned by policyholders, they write Farmowners, Mobile-Homeowners, Homeowners, Dwelling Fire, Business Owners, General Liability, and Inland Marine policies. Premium revenue is earned over the policy period.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Insurance coverage pricing varies by policy type and risk assessment. |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels1 record
Briar Creek Mutual Insurance Company product offering
Product offeringCore offering
Briar Creek Mutual Insurance Company underwrites and sells property and casualty insurance policies to individuals, farm owners, and small business owners in Pennsylvania. Its product line includes Farmowners, Homeowners, Mobile-Homeowners, Dwelling Fire, Business Owners, General Liability, and Inland Marine coverage. As a policyholder-owned mutual insurer, it distributes policies through independent local insurance agents supported by the INSPRO quoting platform.
Product overview
Briar Creek Mutual Insurance Company offers a portfolio of property and casualty insurance products primarily targeting homeowners, farmers, and small business owners in Pennsylvania. The product lineup consists of seven core insurance products: Farmowners Insurance, Homeowners Insurance, Mobile-Homeowners Insurance, Dwelling Fire Insurance, Business Owners Insurance, General Liability Insurance, and Inland Marine Insurance. The company operates as a policyholder-owned mutual insurance company providing personalized service through independent agents. The company holds an AM Best Rating of A (Excellent).
Differentiator
Problem solved
Functional benefit
Products and services
- Farmowners Insurance
Quantifiable outcome
- AM Best Rating of A (Excellent)
- +2 more outcomes
Companies that use Briar Creek Mutual Insurance Company
Customer profileSegments7 records
Ideal customer profiles3 records
Briar Creek Mutual Insurance Company technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Briar Creek Mutual Insurance Company partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights4 records
Briar Creek Mutual Insurance Company competitors and assessment
Company assessmentDirect peers
- Donegal Mutual Insurance Company: Small Pennsylvania-based mutual P&C insurance carrier writing personal and commercial lines through independent agents. Closely comparable to Briar Creek in mutual structure, regional focus, and product mix.
- Penn National Insurance: Pennsylvania-based mutual P&C insurer writing personal and commercial coverage through independent agents. Highly comparable in mutual ownership, regional concentration, and multi-line product offering.
- Erie Insurance Group: Pennsylvania-headquartered P&C insurer with strong personal lines focus and exclusive-agent distribution. Comparable product mix (home, auto, business) and Pennsylvania footprint, though significantly larger in scale.
- NJM Insurance Group: Mutual P&C insurer serving the Mid-Atlantic region with a focus on auto, home, and workers' comp. Comparable mutual ownership structure and regional P&C product offering, though primarily New Jersey-focused.
- Westfield Insurance: Ohio-based regional P&C carrier writing personal, commercial, and farm lines through independent agents. Comparable product portfolio, including farmowners and small commercial BOP.
- EMC Insurance Companies: Iowa-based regional P&C insurer writing commercial and personal lines through independent agents. Comparable mutual-influenced structure, multi-line offering, and regional concentration.
- Country Financial: Midwest-based mutual P&C and life insurer with deep roots in farm and agricultural insurance through exclusive agents. Highly comparable in serving rural and farm customers underserved by national carriers.
Broad incumbents
- Selective Insurance Group: Regional P&C insurer writing standard commercial, personal, and excess lines through independent agents. Comparable distribution model and product mix, but with significantly broader geographic footprint.
- Cincinnati Financial: Large regional P&C carrier with a strong independent agent distribution model and similar personal/commercial line mix. Comparable in agent-driven model, though substantially larger and more diversified geographically.
Emerging players
- Heartland Crop Insurance: Specialized crop and farm insurance provider. Comparable in agricultural niche focus, though narrower in product line and geographic scope than Briar Creek's diversified farm offering.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Briar Creek Mutual Insurance Company social profiles
Digital presenceBriar Creek Mutual Insurance Company financial estimates
Financial estimateRevenue estimate
Valuation estimate
Briar Creek Mutual Insurance Company leadership team
Management profileNumber of profiles
Profiles8 records
Briar Creek Mutual Insurance Company funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Briar Creek Mutual Insurance Company M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Briar Creek Mutual Insurance Company
What does Briar Creek Mutual Insurance Company do?
Briar Creek Mutual Insurance Company underwrites and sells property and casualty insurance policies to individuals, farm owners, and small business owners in Pennsylvania. Its product line includes Farmowners, Homeowners, Mobile-Homeowners, Dwelling Fire, Business Owners, General Liability, and Inland Marine coverage. As a policyholder-owned mutual insurer, it distributes policies through independent local insurance agents supported by the INSPRO quoting platform.
Is Briar Creek Mutual Insurance Company a public or private company?
Briar Creek Mutual Insurance Company is a private company. It is classified as management employee owned and is currently operating.
When was Briar Creek Mutual Insurance Company founded?
Briar Creek Mutual Insurance Company was founded in 1874. It employs 1 to 10 people.
Where is Briar Creek Mutual Insurance Company based?
Briar Creek Mutual Insurance Company is headquartered in Bloomsburg, United States, in the North America region.
How does Briar Creek Mutual Insurance Company make money?
One revenue line is on record: insurance Premiums.
Who are Briar Creek Mutual Insurance Company's main competitors?
Direct peers on record are Donegal Mutual Insurance Company, Penn National Insurance, Erie Insurance Group, NJM Insurance Group, Westfield Insurance, EMC Insurance Companies and Country Financial. Broad incumbents are Selective Insurance Group and Cincinnati Financial. Heartland Crop Insurance is listed as an emerging player.
Does Briar Creek Mutual Insurance Company have an API?
No public API is recorded for Briar Creek Mutual Insurance Company.
What industry is Briar Creek Mutual Insurance Company in?
Briar Creek Mutual Insurance Company's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAJAFAB, Mid-Market Commercial Package (Package Policies), with a secondary code of FSAJAFAN, Habitational / Residential Property Managers BOP. Its NAICS code is 524126 and its SIC code is 6331.