The Cumberland Insurance Group
The Cumberland Insurance Group is a New Jersey-based mutual property and casualty insurer founded in 1844, offering personal and commercial lines products distributed exclusively through independent insurance agents across the Mid-Atlantic region.
- Company typePrivate
- Founded1844
- HeadquartersBridgeton, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What The Cumberland Insurance Group does
The Cumberland Insurance Group operates as Cumberland Mutual Fire Insurance Company, a regional mutual property and casualty insurer domiciled in New Jersey with origins dating to 1844. The company underwrites and services a broad portfolio of personal lines (homeowner, combination dwelling, tenant, condominium, personal automobile, and personal umbrella) and commercial lines (artisan contractors, businessowners, commercial auto, data compromise, employment practices liability, equipment breakdown, general liability, habitational, commercial property, commercial umbrella, and workers' compensation), supplemented by identity theft resolution services. Distribution is conducted exclusively through a network of independent insurance agents supported by a dedicated agent portal (Cumberland Agency Link), with customers able to access self-service payment and claims functionality via the corporate website and a Paymentus-powered customer portal. As a mutual insurer, ownership rests with policyholders rather than external shareholders, and the company is privately held with no public ticker, no disclosed funding rounds, no parent company, and no subsidiaries.
Revenue is generated through recurring insurance premiums on a quote-based pricing model determined by individual risk assessment, billed monthly or annually. The company serves individual consumers and small to medium-sized businesses primarily in New Jersey and surrounding Mid-Atlantic states, with no disclosed international operations or geographic expansion signals. Technology infrastructure is not publicly disclosed, with no APIs, integrations, or proprietary technology features called out in available sources; the business model relies on traditional underwriting, agent-mediated sales, and in-house claims handling rather than a unified platform architecture.
The Cumberland Insurance Group firmographics
Firmographics- Name
- The Cumberland Insurance Group
- Legal name
- Cumberland Mutual Fire Insurance Company
- Website
- https://cumberlandgroup.com
- Company type
- Private
- Founded year
- 1844
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- The Cumberland Insurance Group is a New Jersey-based mutual property and casualty insurer founded in 1844, offering personal and commercial lines products distributed exclusively through independent insurance agents across the Mid-Atlantic region.
- Ownership category
- akta.pro rank
The Cumberland Insurance Group industry classification
Industry- 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
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB)
- akta.pro secondary industry
- Public Liability (Premises/Operations) (FSAJADAD)
Keywords
Where The Cumberland Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Bridgeton
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
The Cumberland Insurance Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Insurance Premiums: Cumberland Mutual Fire Insurance Company generates revenue through insurance premiums collected from policyholders. As a mutual insurance company, premiums are the primary revenue stream, with policyholders becoming members of the mutual. Premiums are collected on a recurring basis (annual or monthly billing cycles) for coverage across personal and commercial lines.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based insurance policies with pricing determined by individual risk assessment |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
The Cumberland Insurance Group product offering
Product offeringCore offering
The Cumberland Insurance Group (legal name: Cumberland Mutual Fire Insurance Company) is a regional mutual property and casualty insurance company selling Personal Lines (homeowner, tenant, condominium, personal automobile, personal umbrella) and Commercial Lines (artisan contractors, businessowners, commercial auto, liability, property, workers' compensation, etc.) policies. Coverage is distributed through a network of independent insurance agents across New Jersey and surrounding Mid-Atlantic states, supported by online payment, claims reporting, and agent portal tools.
Product overview
Cumberland Mutual Fire Insurance Company offers a comprehensive insurance portfolio organized into Personal Lines and Commercial Lines product categories. Personal Lines includes homeowner, combination dwelling, tenant, condominium, personal automobile, and personal umbrella coverage for individual consumers. Commercial Lines encompasses artisan contractors, businessowners policies, commercial auto, data compromise, employment practices liability, equipment breakdown, liability, habitational, property, umbrella, and workers' compensation insurance for business clients. The company also provides identity theft resolution services as a supplementary offering. The product architecture is a traditional insurance product portfolio rather than a unified platform with modules.
Differentiator
Problem solved
Functional benefit
Products and services
- Homeowner Insurance Homeowners insurance coverage for residential properties against risks such as damage, theft, and liability, sold to individual homeowners.
- Combination Dwelling Insurance
- Tenant Insurance
- Condominium Insurance
- Personal Automobile Insurance
- Personal Umbrella Insurance
- Artisan Contractors Insurance
- Businessowners Policy
- Commercial Auto Insurance
- Data Compromise Insurance
- Employment Practices Liability Insurance
- Equipment Breakdown Insurance
- Commercial Liability Insurance
- Habitational Insurance
- Commercial Property Insurance
- Commercial Umbrella Insurance
- Workers' Compensation Insurance
- Identity Theft Resolution Services
Companies that use The Cumberland Insurance Group
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
The Cumberland Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
The Cumberland Insurance Group partnerships and signals
Strategic signalScale indicators1 record
Recent moves3 records
Expansion highlights2 records
The Cumberland Insurance Group competitors and assessment
Company assessmentDirect peers
- Selective Insurance Group: Mid-Atlantic-headquartered commercial P&C insurer serving SMBs and habitational risks. Closely comparable as a regional carrier with strong commercial lines focus and agent distribution.
- The Hanover Insurance Group: Northeast-headquartered commercial and personal P&C carrier with strong specialty commercial lines (EPLI, cyber, equipment breakdown). Comparable overlap in commercial product breadth and regional distribution.
- NJM Insurance Group: New Jersey-based mutual insurance company offering personal and commercial P&C coverage in the Mid-Atlantic. Directly comparable as a regional mutual carrier serving the same NJ geography with similar product breadth.
- Penn National Insurance: Pennsylvania-based regional P&C carrier serving the Mid-Atlantic with personal and commercial lines. Directly comparable as a regional mutual-style carrier with similar geography and product portfolio.
- Plymouth Rock Assurance: Northeast-based P&C insurer focused on personal auto and homeowners in NJ and surrounding states. Comparable as a regional carrier competing directly in Cumberland's core NJ personal lines market.
- Erie Insurance: Mutual P&C insurer with regional Mid-Atlantic and Midwest focus, distributed through exclusive agents. Comparable as a long-standing mutual carrier with strong regional brand and personal/commercial product breadth.
- Donegal Group: Regional P&C insurance holding company operating through Mid-Atlantic and Midwest subsidiaries. Comparable as a community-focused regional carrier with a multi-state commercial and personal lines book.
Broad incumbents
- Travelers: Large national P&C insurer with broad personal, commercial, and specialty offerings across all 50 states. Comparable as a direct competitor for commercial accounts in Cumberland's territory, though vastly larger and more diversified.
- State Farm: Largest US mutual P&C insurer with nationwide personal lines dominance and growing commercial presence. Comparable as a mutual insurer with a similarly structured member-owned model, though vastly larger in scale.
- Liberty Mutual Insurance: National P&C giant with broad personal, commercial, and specialty lines. Comparable as a direct underwriter competing for SMB and mid-market commercial accounts, though operating at a much larger scale.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
The Cumberland Insurance Group social profiles
Digital presenceThe Cumberland Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Cumberland Insurance Group leadership team
Management profileNumber of profiles
The Cumberland Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Cumberland Insurance Group 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 The Cumberland Insurance Group
What does The Cumberland Insurance Group do?
The Cumberland Insurance Group (legal name: Cumberland Mutual Fire Insurance Company) is a regional mutual property and casualty insurance company selling Personal Lines (homeowner, tenant, condominium, personal automobile, personal umbrella) and Commercial Lines (artisan contractors, businessowners, commercial auto, liability, property, workers' compensation, etc.) policies. Coverage is distributed through a network of independent insurance agents across New Jersey and surrounding Mid-Atlantic states, supported by online payment, claims reporting, and agent portal tools.
Is The Cumberland Insurance Group a public or private company?
The Cumberland Insurance Group is a private company. It is classified as management employee owned and is currently operating.
When was The Cumberland Insurance Group founded?
The Cumberland Insurance Group was founded in 1844. It employs 101 to 250 people.
Where is The Cumberland Insurance Group based?
The Cumberland Insurance Group is headquartered in Bridgeton, United States, in the North America region.
How does The Cumberland Insurance Group make money?
One revenue line is on record: insurance Premiums.
Who are The Cumberland Insurance Group's main competitors?
Direct peers on record are Selective Insurance Group, The Hanover Insurance Group, NJM Insurance Group, Penn National Insurance, Plymouth Rock Assurance, Erie Insurance and Donegal Group. Broad incumbents are Travelers, State Farm and Liberty Mutual Insurance.
Does The Cumberland Insurance Group have an API?
No public API is recorded for The Cumberland Insurance Group.
What industry is The Cumberland Insurance Group in?
The Cumberland Insurance Group'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 FSAJADAD, Public Liability (Premises/Operations). Its NAICS code is 524126 and its SIC code is 6331.