What McMillan Warner Mutual Insurance does

McMillan Warner Mutual Insurance Company is a policyholder-owned domestic non-assessable mutual insurance company headquartered at 2510 North Central Avenue, Marshfield, Wisconsin. Founded on May 28, 1898 as McMillan Grange Mutual Fire Insurance Company and writing its first fire insurance policies on August 15, 1898, the company has operated continuously for over 120 years, evolving through three mergers — Warner Mutual Insurance Company in 1982 (which created the present name), Lindina Town Mutual Insurance Company in 2005 (forming The Lindina Insurance Agency as a wholly owned subsidiary), and Calumet Equity Mutual Insurance Company of New Holstein in October 2017. The company converted from a Town Mutual to a Domestic Mutual Insurance Company in 2000 and has been A.M. Best rated since 2004, in addition to holding a Demotech Financial Stability Rating. The company is led by CEO Scott Krum.

The company underwrites a portfolio of personal, farm, and commercial property and casualty insurance products. Core lines include homeowners, farmowners, country homeowners, mobile homes, commercial properties, rental properties (one- to four-family), seasonal properties, and umbrella policies (Personal, Farm Personal, Farm Commercial, and Commercial variants). In 2024, the company expanded into auto insurance — both personal and commercial — for the first time, enabling bundling of property, auto, and umbrella coverage under a single carrier. Add-on offerings include Equipment Breakdown & Service Line Coverage and the National Farm Medicine Center Wisconsin ROPS Rebate Program partnership, which reimburses policyholders up to 100% of the cost of retrofitting tractors with rollover protective structures. Operations are supported by VeriSnap, a digital platform for simplified policy and claims management, alongside an interactive Equipment Breakdown Online Resource.

McMillan Warner distributes through a Wisconsin-based independent agent network locatable by address or zip code, supplemented by direct online quote requests and an IMTApps-powered online payment portal for home and farm premiums. Customer segments are segmented by use case: rural Wisconsin homeowners, farmowners, country homeowners with incidental farming (up to 80 acres), mobile home owners, auto owners, and commercial/rental property owners. Pricing is individually underwritten per risk based on coverage type, property characteristics, location, and policyholder risk profile, with bundling and claim-free discounts available; revenue is generated through recurring annual insurance premiums on a subscription basis. The company operates exclusively in Wisconsin and has 11–50 employees, with no external investors or parent company.

Name

McMillan Warner Mutual Insurance

Legal name

McMillan Warner Mutual Insurance Company

Website

https://mcmillanwarner.com

Company type

Private

Founded year

1898

Operating status

Operating

Headcount range

11–50 employees

Short description

McMillan Warner Mutual Insurance is a 1898-founded, policyholder-owned mutual insurer based in Marshfield, Wisconsin, underwriting homeowners, farmowners, country homeowners, mobile homes, commercial, rental, umbrella, and auto coverage for rural Wisconsin residents and small commercial property owners through independent agents and direct online channels.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industry

Standalone Umbrella Liability (FSAJANAE)

Keywords

• Mutual insurance company
• Rural property insurance
• Farm insurance coverage
• Auto insurance policies
• Umbrella liability coverage

Headquarters

HQ city

Marshfield

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: The company collects insurance premiums from policyholders for coverage including auto, homeowners, farmowners, country homeowners, mobile homes, umbrella policies, and commercial/rental properties. Premiums are collected on a recurring basis through policy renewals, with some payment options available online.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

McMillan Warner Mutual Insurance Company is a policyholder-owned domestic non-assessable mutual insurance company that underwrites property and casualty coverage in Wisconsin. Its portfolio includes homeowners, farmowners, country homeowners, mobile homes, commercial and rental properties, seasonal secondary residences, personal and commercial auto, and umbrella liability policies. Coverage is delivered through independent local agents and direct online quote and payment channels, with internal company adjusters handling claims.

Product overview

McMillan Warner Mutual Insurance is a policyholder-owned domestic non-assessable mutual insurance company established in 1898, offering a comprehensive insurance portfolio centered on property coverage (homeowners, farmowners, country homeowners, mobile homes, commercial properties, rental properties, and seasonal properties), automobile insurance, and umbrella liability policies. The company has recently expanded from its 120+ year focus on property insurance to also writing automobile coverage, allowing policyholders to package property, auto, and umbrella coverage under one carrier. Additional value-added services include Equipment Breakdown & Service Line Coverage add-ons, a ROPS rebate program partnership, and local claims service with professional loss safety consultation.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal and commercial auto coverage for Wisconsin drivers offering flexible limits, uninsured/underinsured motorist coverage, comprehensive and collision coverage, medical payments, and coverage for motor homes, motorcycles, and trailers.
• Homeowners Insurance Comprehensive insurance protection for owner-occupied residences in rural Wisconsin, including specified additional amounts of insurance, market value coverage, incidental coverages such as credit card protection, debris removal, fire department charges, and equipment breakdown coverage.
• Farmowners Insurance Comprehensive insurance protection for farming operations covering residences, farm buildings, scheduled and unscheduled farm personal property, equipment breakdown, irrigation equipment, and rental residences, with liability coverage for farm premises and operations and medical pay coverage.
• Country Homeowners Insurance Insurance protection for rural owner-occupied residences with incidental farming operations, covering barns, buildings, scheduled and unscheduled farm personal property, and liability, with options for expanded replacement cost and optional endorsements including identity fraud and horse liability.
• Mobile Homes Properties Property coverage for one-family, owner-occupied mobile homes permanently sited and anchored, with optional coverages including personal property, replacement cost provisions, mobile home rental properties, premises liability, recreational vehicles, and watercrafts.
• Commercial Properties Building and personal property coverage for commercial structures and business personal property with options for building-only or business personal property-only coverage, plus commercial general liability for premises and operations.
• Rental Properties Property coverage for one- to four-family residences used for private residential purposes, available with replacement cost, modified replacement cost, or actual cash value options.
• Unsupported Seasonal Properties Property coverage for seasonal or secondary one-family residences used for private residential purposes when the insured has no other business with the company, including related structures, personal property, additional living expenses, and premises liability.
• Umbrella Policies Excess third-party liability coverage that provides protection in excess of scheduled underlying insurance and self-insured retention, paying for personal injury or property damage claims, available in Personal, Farm Personal, Farm Commercial, and Commercial Umbrella variants.

Quantifiable outcome

• 99% effective in preventing injury or death with ROPS when used with seatbelt

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature2 records

Partnerships

One partnership is on record.

• National Farm Medicine Center (Wisconsin ROPS Rebate Program)coreStrategic or Co-development PartnerMcMillan Warner Mutual Insurance Company has partnered with the National Farm Medicine Center's Wisconsin ROPS Rebate Program. This partnership provides McMillan Warner policyholders with up to 100% reimbursement on the cost of retrofitting tractors with rollover protective structures (ROPS). Policyholders receive the remaining 30% (maximum $350) on top of the program's standard 70% reimbursement (maximum $865). The partnership addresses tractor overturns, a leading cause of farm-related deaths.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Rural Mutual Insurance Company: Wisconsin-based mutual insurance company specializing in farm, home, and auto insurance for rural residents. Directly comparable to McMillan Warner as a Wisconsin-focused mutual serving agricultural and rural customers with similar product lines and agent-based distribution.
• West Bend Mutual Insurance Company: Wisconsin-based mutual property and casualty insurer offering home, auto, and business insurance. Comparable as a regional Midwest mutual carrier with similar customer segments and product portfolio, though larger in scale.
• Wisconsin Mutual Insurance Company: Wisconsin-focused mutual insurance company providing farm, home, and commercial property coverage. Directly comparable as a small Wisconsin mutual with similar niche focus on rural and agricultural customers.
• Shelter Insurance Companies: Mutual insurance company serving central United States with home, auto, farm, and commercial coverage. Comparable product portfolio and mutual structure, though operating across multiple states with broader geographic reach.
• Grinnell Mutual Reinsurance Company: Iowa-based mutual reinsurer and primary insurer serving farm, home, and commercial markets in the Midwest. Comparable as a Midwest-focused mutual with agricultural insurance expertise and similar customer base.
• Secura Insurance Companies: Wisconsin-based mutual insurance company offering home, auto, farm, and commercial coverage. Directly comparable as a Wisconsin-focused mutual with similar product portfolio and customer segments, though slightly larger in scale.

Broad incumbents

• Country Financial: Large Midwest-focused insurance and financial services company offering farm, home, auto, and life insurance. Comparable product offerings but significantly larger scale and broader geographic reach than McMillan Warner.
• Auto-Owners Insurance: Midwest-based mutual insurance carrier offering property, casualty, and auto insurance through independent agents. Comparable mutual structure and multi-line product strategy, though operating across multiple states with much larger scale.
• Erie Insurance Group: Regional mutual insurance company operating in the Midwest and Mid-Atlantic, offering property, auto, and commercial coverage. Comparable as a regional mutual with agent-based distribution, though larger and more geographically diverse.
• EMC Insurance Companies: Iowa-based insurance group offering property, casualty, and reinsurance products. Comparable Midwest presence and product mix, though primarily commercial-focused and significantly larger than McMillan Warner.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/McMillanWarnerM
• Facebookfacebook.com/McMillan-Warner-Mutual-Insurance-Company-190837168106718
• LinkedInlinkedin.com/company/mcmillan-warner-mutual-insurance-company

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 McMillan Warner Mutual Insurance