cass county mutual insurance company

What cass county mutual insurance company does

Cass County Mutual Insurance Company is a policyholder-owned mutual insurance carrier headquartered at 830 Front Street, Casselton, North Dakota. Founded in March 1888 as Farmer's County Mutual Fire & Lightning Insurance Company and renamed to its current name in 1996, the company provides property and casualty insurance products — homeowners, farmowners, tenants (renter's), seasonal dwellings, and mobile homes — to individual consumers and farm operators across 19 counties in southeastern North Dakota. Distribution is exclusively through a network of independent insurance agents, supported by an agent locator on the company's website; policyholders transact through an online payment portal powered by InvoiceCloud and a secure account login. Liability coverages and reinsurance are provided through a long-standing partnership with Grinnell Mutual Reinsurance Company of Grinnell, Iowa.

The company's core technical footprint is minimal: no proprietary technology platform is disclosed beyond the InvoiceCloud payments integration, and there is no evidence of AI/ML, app, or API capabilities. Its business model is the standard mutual-insurance recurring-premium structure — policyholders pay recurring premiums in exchange for property and limited liability coverage, and as mutual members they hold ownership/voting rights. A portfolio of endorsements (Equipment Breakdown Coverage, Service Line Coverage, Rock/Foreign Object Ingestion for Farm Equipment, Weight of Ice/Sleet/Snow, Rented/Leased/Borrowed Equipment, and Backup of Water/Sewer up to $25,000) provides incremental premium and risk-management depth. Governance is handled by a 7-member Board of Directors (David Piper, President; Michael Nelson, Vice President; Don Gibson, Kent Rood, Jeff Hamre, Linda Sell, Brad Sessler, Directors) with day-to-day management run by Manager Lindsey Johnson. Community engagement includes an annual $1,000 scholarship program for policyholders' children and grandchildren and an annual membership meeting (recently held via Zoom).

Name

cass county mutual insurance company

Legal name

Cass County Mutual Insurance Company

Website

https://casscountymutual.com

Company type

Private

Founded year

1888

Operating status

Operating

Headcount range

1–10 employees

Short description

Cass County Mutual Insurance Company is a policyholder-owned mutual carrier in Casselton, North Dakota, providing homeowners, farmowners, tenants, seasonal dwellings, and mobile home coverage across 19 southeastern North Dakota counties through independent agents since 1888.

Ownership category

akta.pro rank

Headquarters

HQ city

Casselton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: The company collects insurance premiums from policyholders for homeowners, farmowners, tenants, seasonal dwellings, and mobile home coverage. This is a recurring premium model typical of mutual insurance companies.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Cass County Mutual Insurance Company underwrites and sells property insurance products—homeowners, farmowners, tenants, seasonal dwellings, and mobile homes coverage—to individuals and farm owners in southeastern North Dakota. The company is a mutual insurer owned by its policyholders, distributes through independent local agents, and partners with Grinnell Mutual Reinsurance Company for liability coverages and reinsurance.

Product overview

Cass County Mutual Insurance Company offers a portfolio of property and casualty insurance products serving Southeastern North Dakota since 1888. The core product portfolio includes Homeowners Insurance, Farmowners Insurance (covering small and large farms), Tenants (Renter's) Insurance, Seasonal Dwellings Insurance, and Mobile Homes Insurance. The company also provides various add-on endorsements including Equipment Breakdown Coverage, Service Line Coverage, Rock/Foreign Object Ingestion coverage for Farm Equipment, Weight of Ice/Sleet/Snow Endorsement, and Backup of Water/Sewer Coverage (up to $25,000). All products are distributed through a network of local agents across 19 counties in Southeastern North Dakota.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Primary insurance coverage for residential properties, protecting homeowners against property damage, theft, and covered perils such as fire, lightning, windstorm, vandalism, theft, and robbery.
• Farmowners Insurance Insurance coverage for small or large farms, protecting farm dwellings, farm buildings, equipment, livestock, and personal farm property, and providing farm and personal liability coverage.
• Tenants (Renter's) Insurance Insurance coverage for renters protecting personal belongings and liability within a leased property.
• Seasonal Dwellings Insurance Insurance coverage for seasonal or vacation properties located in North Dakota; must be accompanied by a primary home or farm policy.
• Mobile Homes Insurance Insurance coverage for mobile or manufactured homes.

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor and core.

• North Dakota Farmer's Mutual Tornado Insurance CompanyminorStrategic or Co-development PartnerHistorical partnership established in June 1958 where windstorm coverage was carried through this Lamoure, ND-based mutual insurance company. This was the initial step in expanding coverage offerings beyond fire and lightning.
• Grinnell MutualcoreChannel Partner/ Reseller/ DistributorGrinnell Mutual is referenced as a partner for auto policies and reinsurance. Customers can access Grinnell auto policies through the company. Grinnell Mutual Reinsurance Company provides liability coverages and reinsurance support.

Scale indicators2 records

Recent moves5 records

Expansion highlights2 records

Broad incumbents

• EMC Insurance Companies: Mutual property and casualty insurer with a mix of commercial and personal lines, distributed through independent agents. Comparable mutual structure and P&C product focus, with broader geographic footprint.
• Farm Bureau Financial Group: Affinity-based mutual insurer providing farm, home, auto, and life coverage, primarily in the Midwest. Directly comparable product portfolio (farmowners, homeowners) and similar rural distribution model via local agents.
• Cincinnati Financial: Large mutual P&C insurer focused on commercial, personal, and excess & surplus lines distributed through local independent agents. Comparable mutual ownership and agent-driven model, though at substantially greater scale and product breadth.
• Donegal Group: Regional mutual holding company offering personal and commercial P&C insurance through independent agents in the Midwest and Mid-Atlantic. Comparable in mutual structure and community-focused agent distribution model.
• Westfield Insurance: Ohio-based mutual P&C insurer offering personal, farm, and commercial lines through independent agents. Comparable in mutual ownership and farm/home product mix but at significantly larger scale and multi-state reach.
• Grinnell Mutual Reinsurance Company: Reinsurance and liability partner of CCM since 1987; CCM is a member of Grinnell Mutual. Grinnell is a much larger regional mutual carrier providing commercial, farm, and personal lines across multiple states — a larger incumbent that CCM distributes through.
• Auto-Owners Insurance: Midwest-focused mutual property and casualty insurer with personal, commercial, and farm lines distributed through independent agents. Comparable in mutual structure and agent-driven distribution but operates at materially greater scale.
• Country Financial: Large regional mutual insurer (Country Financial / Country Mutual Insurance Company) offering farm, home, auto, and life coverage across the Midwest. Comparable in product mix (especially farmowners) but at far greater scale and geographic reach.

Direct peers

• North Dakota Farmers Mutual Tornado Insurance Company: Lamoure, ND-based mutual insurer that historically provided windstorm coverage to CCM. Operates as a small regional mutual in the same North Dakota farm insurance market with a similar mutual ownership and county-level writing territory model.

Regional players

• Iowa Farm Bureau's FBL Financial / Farm Bureau property casualty affiliates: Affinity mutual insurance group serving farmers and rural Midwesterners with property, casualty, and life products. Operates in adjacent states with comparable farmowner product focus and similar agent-led rural distribution.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/cass-county-mutual-insurance-company

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 cass county mutual insurance company