Windsor-Mount Joy Mutual Insurance Company

What Windsor-Mount Joy Mutual Insurance Company does

Windsor-Mount Joy Mutual Insurance Company is a Pennsylvania-domiciled mutual property and casualty carrier founded in 1844, headquartered in Ephrata, PA, and operating with 11-50 employees. The company writes six core product lines — homeowners, dwelling fire, boatowners, farm, commercial, and flood — serving individuals, landlords, farmers, boat owners, and small-to-medium businesses across a mid-Atlantic footprint that includes Delaware, Massachusetts, New Jersey, North Carolina, Pennsylvania, and Virginia. All products are distributed exclusively through independent insurance agents and brokers, supplemented by a Find an Agent zip-code locator, a policyholder self-service portal, and an online payment system. The carrier is policyholder-owned (no external shareholders or venture backing) and is rated by A.M. Best.

The company's technology stack is conventional: ECCA for policy and claims administration, Insuresoft for core insurance platforms, and Vertafore ImageRight for document management as the carrier transitions to a virtually paperless operation. It relies on AAIS for policy forms and rating, the Mutual Service Office (MSO) for custom rates and forms, and National Flood Services to participate in the National Flood Insurance Program (NFIP). Reinsurance risk is ceded via Guy Carpenter (intermediary) and Swiss Re. The carrier holds a wholly owned subsidiary, Eastern Shore of Virginia Fire Insurance Company, acquired in 1966, and has historically grown through absorption of peer regional mutuals — most recently Farmers & Mechanics Mutual Insurance Association of Cecil County in 2019.

Revenue mechanics are pure premium-driven: insurance premiums collected from policyholders across the six lines constitute the recurring revenue stream. 2025 Gross Premium Written was $96,674,407, up from $80,411,683 in 2024 and $65,712,267 in 2023, with total assets of $198.8M and policyholder surplus of $114.0M in 2025. Pricing is quote-based, not publicly disclosed, with annual billing and a 3% service charge on credit card payments. The carrier is a member of NAMIC and a Silver Partner of IA&B, and is managed with comprehensive back-office support from G.R. Klinefelter Underwriters, Inc.

Name

Windsor-Mount Joy Mutual Insurance Company

Legal name

Windsor-Mount Joy Mutual Insurance Company

Website

https://windsormountjoy.com

Company type

Private

Founded year

1844

Operating status

Operating

Headcount range

11–50 employees

Short description

Windsor-Mount Joy is a Pennsylvania-based mutual P&C insurance carrier founded in 1844, writing homeowners, dwelling fire, boatowners, farm, commercial, and flood coverage for individuals and small businesses across the mid-Atlantic US exclusively through independent insurance agents.

Ownership category

akta.pro rank

Headquarters

HQ city

Ephrata

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: As a mutual insurance company, Windsor-Mount Joy generates revenue through collecting insurance premiums from policyholders across multiple lines including homeowners, dwelling fire, boatowners, farm, commercial, and flood insurance. Premiums have grown from $65,712,267 in 2023 to $96,674,407 in 2025.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Windsor-Mount Joy Mutual Insurance Company underwrites and services property and casualty insurance policies through a network of independent insurance agents. Its portfolio spans six core lines: homeowners insurance, dwelling fire insurance for landlords, boatowners (private and commercial marine), farm (farmowners and farm fire), small-to-medium commercial package and inland marine policies, and NFIP flood insurance. Policies are supported by online payments, a policyholder account portal, and an agent portal for servicing mid-Atlantic policyholders.

Product overview

Windsor-Mount Joy Mutual Insurance Company offers a portfolio of property and casualty insurance products serving the mid-Atlantic region. The core product line consists of six main offerings: Homeowners Insurance for owner-occupied and rented residences including site-built homes, manufactured homes, and condominiums; Dwelling Fire Insurance for landlords and rental properties; Boatowners Insurance covering private pleasure and commercial vessels; Farm Insurance for various farm operations; Commercial Insurance for small to medium businesses including restaurants, offices, and rental properties; and Flood Insurance through the NFIP program. These products are distributed through independent insurance agents and offered alongside online policyholder account management, online payment processing, and agent portal services.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Package policy providing property and liability coverage for homeowners, including site-built homes, manufactured homes, tenant coverage, and condominium coverage; also includes a homesharing endorsement for properties rented up to 30 nights per year.
• Dwelling Fire Insurance Coverage for landlords owning or renting out properties on a seasonal or year-round basis, including short-term rentals, unoccupied properties, and vacant buildings; covers dwelling, outbuildings, contents, loss of rents, and liability.
• Boatowners Insurance Insurance solutions for boats ranging from small trailerable boats to large yachts, including private pleasure boats (Roamer for under 24ft, Skipper for over 24ft) and commercial boats (Commercial Roamer, Commercial Marine) used for crabbing, oystering, and sportfishing.
• Farm Insurance Coverage for various farm types including hobby, poultry, dairy, and grain farms; Farmowners policy provides package coverage for property and liability while Farm Fire provides standalone coverage for dwellings, barns, and structures.
• Commercial Insurance Commercial coverage for small-to-medium businesses including Business Owner policies, Commercial Packages, Commercial Fire, General Liability, Inland Marine (Contractor's Equipment, Exhibition Floaters, Builder's Risk), and Auto Physical Damage for commercial trucks in Pennsylvania and Virginia.
• Flood Insurance Flood insurance coverage provided through the National Flood Insurance Program (NFIP), administered via a partnership with National Flood Services.

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and major.

• American Association of Insurance Services (AAIS)coreTechnology or IntegrationAAIS is a national insurance advisory organization that develops policy forms and rating information used by more than 600 property/casualty insurers throughout the United States. Windsor-Mount Joy uses AAIS services for policy forms and rating.
• ECCAcoreTechnology or IntegrationECCA provides policy and claims administration software that helps Windsor-Mount Joy provide excellent service to their insureds.
• G.R. Klinefelter Underwriters, Inc.coreImplementation/ SI/ Consulting PartnerG.R. Klinefelter Underwriters, Inc. provides comprehensive management services for several Lancaster County-based insurance companies including Windsor-Mount Joy.
• Guy CarpentermajorStrategic or Co-development PartnerGuy Carpenter serves as a reinsurance intermediary for Windsor-Mount Joy, helping manage their reinsurance relationships.
• Insurance Agents & Brokers (IA&B)majorChannel Partner/ Reseller/ DistributorIA&B is an organization dedicated to preserving and advocating the American Agency System. Windsor-Mount Joy is a Silver Partner supporting IA&B.
• InsuresoftcoreTechnology or IntegrationInsuresoft has been offering core platforms configured to meet the unique needs of insurance companies and managing general agents in North America since 1994.
• Mutual Service Office (MSO)coreTechnology or IntegrationMSO provides custom rates, forms and statistical services to its member companies including Windsor-Mount Joy.
• National Association of Mutual Insurance Companies (NAMIC)majorStrategic or Co-development PartnerNAMIC provides a wide variety of products and services specifically designed to help its 1,400 member companies serve their policyholders better. Windsor-Mount Joy is a member.
• National Flood ServicesmajorTechnology or IntegrationNFS is a subsidiary of StoneRiver, Inc. and has vendor agreements with many of the top insurance companies participating in the National Flood Insurance Program (NFIP), including Windsor-Mount Joy.
• Swiss RemajorStrategic or Co-development PartnerSwiss Re is a provider of reinsurance services to Windsor-Mount Joy, helping manage risk exposure.
• VertaforecoreTechnology or IntegrationVertafore provides ImageRight, a product that helps Windsor-Mount Joy become virtually paperless for document management.

Scale indicators10 records

Recent moves7 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Windsor-Mount Joy Mutual Insurance Company