Maple Valley Mutual Insurance Company

What Maple Valley Mutual Insurance Company does

Maple Valley Mutual Insurance Company (MVMIC) is a private mutual property and casualty insurance carrier headquartered in Lena, Wisconsin, serving individuals, farms, and small businesses across Northeast Wisconsin. Founded on May 23, 1891 by 24 property owners in Oconto County to provide fire and lightning protection for farms, the company has operated continuously for over 130 years and is owned by its policyholders rather than external shareholders.

MVMIC offers a multi-line P&C product portfolio organized into four core categories: homeowners insurance (Premier, Preferred, Standard, Seasonal, Tenants, and Mobile Homeowners tiers), farmowners insurance (Comprehensive, Suburban, and Seasonal variants covering structures, equipment, livestock, and liability), commercial insurance (Business Owners, Commercial Combination, Commercial Fire and Allied Lines, and Inland Marine), and umbrella insurance (Farmowners and Personal). Supporting services include a Claims Center, an online Bill Payment Portal, Mortgagee Change Request processing, Policy Support Requests, and a Find an Agent locator. The company does not operate a proprietary technology platform; instead it relies on third-party systems including InvoiceCloud for payment processing and IMT Apps for the independent agent portal.

The business model is subscription-based recurring premium revenue underwritten per policy and priced through agent-led risk assessment, with no publicly disclosed pricing. All sales flow through a network of independent, licensed insurance agents rather than direct-to-consumer channels, supplemented by inside-sales support at the Lena home office. The company holds an AM Best A- (Excellent) financial strength rating and BBB accreditation, and is a member of NAMIC and WAMIC trade associations. Leadership consists of President and General Manager Chad Schuettpelz, Chairman Duane Magnin, and a board of directors overseeing an organization of roughly 25-30 staff members across underwriting, claims, operations, loss prevention, and administrative functions.

Name

Maple Valley Mutual Insurance Company

Legal name

Maple Valley Mutual Insurance Company

Website

https://maplevalleymutual.com

Company type

Private

Founded year

1891

Operating status

Operating

Short description

Maple Valley Mutual Insurance is a 130-year-old Wisconsin mutual P&C carrier offering homeowners, farmowners, small commercial, and umbrella coverage to policyholders across Northeast Wisconsin, distributed exclusively through independent agents.

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)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industry

Standalone Umbrella Liability (FSAJANAE)

Keywords

• Property casualty insurance
• Mutual insurance carrier
• Homeowners insurance
• Farmowners insurance
• Commercial insurance

Headquarters

HQ city

Lena

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property and Casualty Insurance Premiums: As a mutual insurance company, MVMIC generates revenue through insurance premiums collected from policyholders. The company offers property and casualty coverage including homeowners, farmowners, commercial, and umbrella insurance policies. Premiums are calculated based on risk assessment of insured properties.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Maple Valley Mutual Insurance Company is a mutual property and casualty insurance carrier that sells customized insurance policies to residential property owners, agricultural operators, and small businesses across Northeast Wisconsin. Its product portfolio includes homeowners insurance (Premier, Preferred, Standard, Seasonal, Tenants, and Mobile Homeowners tiers), farmowners insurance (Comprehensive, Suburban, and Seasonal), commercial insurance (Business Owners, Commercial Combination, Commercial Fire and Allied Lines, and Inland Marine), and umbrella insurance (Farmowners and Personal). All policies are sold exclusively through independent licensed insurance agents, supported by a home office in Lena, Wisconsin that handles claims, billing, and customer service.

Product overview

Maple Valley Mutual Insurance Company is a small mutual insurance carrier offering personalized property and casualty insurance in Northeast Wisconsin. The company operates as a single unified insurance platform with multiple product lines distributed through independent insurance agents. The product portfolio includes: (1) Homeowners Insurance with six policy tiers (Premier, Preferred, Standard, Seasonal, Tenants, and Mobile Homeowners); (2) Farmowners Insurance with three policy types (Comprehensive, Suburban, and Seasonal) covering structures, equipment, livestock, and liability; (3) Commercial Insurance with four coverage types (Business Owners, Commercial Combination, Commercial Fire and Allied Lines, and Inland Marine); and (4) Umbrella Insurance (Farmowners and Personal) as add-on liability extensions. Supporting services include a Claims Center, Bill Payment Portal via InvoiceCloud, Mortgagee Change Request processing, Policy Support Request forms, and an Agent Finder tool. All products emphasize customizable coverage, proactive loss prevention inspections, and transparent customer communication.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Customized residential property insurance for primary residences, seasonal/vacation homes, rental units, and mobile or manufactured homes. Offered in six policy variants (Premier, Preferred, Standard, Seasonal, Tenants, Mobile Homeowners) so coverage can be tailored to property type and budget.
• Farmowners Insurance Coverage for agricultural operations including farm structures (barns, silos, outbuildings), farm equipment, livestock, and farm liability. Offered in three policy variants (Comprehensive Farmowners, Suburban Farmowners for smaller-acreage properties outside urban areas, and Seasonal Farmowners for part-time or seasonal operations).
• Commercial Insurance Customized commercial property and business coverage for small businesses in Northeast Wisconsin including restaurants/taverns, habitational properties, offices, retail/service stores, warehouses, and artisan operations. Includes Business Owners Insurance, Commercial Combination Insurance, Commercial Fire and Allied Lines, and Inland Marine Coverages for movable or specialized property and equipment.
• Umbrella Insurance Extended liability coverage available as an addition to existing farmowners or homeowners policies. Includes Farmowners Umbrella Insurance for agricultural operations and Personal Umbrella Insurance for homeowners, both providing additional liability protection beyond the limits of the underlying standard policies.
• Claims Center Policyholder service for reporting and processing insurance claims, with options to initiate claims by contacting a local independent agent or calling the office directly, adjuster visit scheduling, and claim payment/reimbursement processing.

Quantifiable outcome

• Premium savings through proactive loss prevention inspections that identify and address potential issues before they result in claims

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Four partnerships are on record, tiered minor and core.

• NAMIC (National Association of Mutual Insurance Companies)minorOthersMVMIC displays NAMIC membership logo on its website, indicating affiliation with the national trade association for mutual insurance companies. NAMIC provides industry advocacy, education, and networking resources for mutual insurance carriers.
• WAMIC (Wisconsin Association of Mutual Insurance Companies)minorOthersMVMIC displays WAMIC membership logo, indicating affiliation with the Wisconsin state trade association for mutual insurance companies. WAMIC provides state-specific advocacy, education, and peer networking for Wisconsin mutual insurance carriers.
• InvoiceCloudcoreTechnology or IntegrationInvoiceCloud provides the payment processing platform for MVMIC's online bill payment system. Policyholders can register for accounts, make one-time payments, enroll in autopay, and manage paperless billing through the InvoiceCloud portal.
• IMT AppscoreTechnology or IntegrationIMT Apps provides the agent portal platform used by MVMIC's independent insurance agent network. Agents use the portal to access policy management tools, view customer information, and service accounts.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Rural Mutual Insurance Company: Wisconsin-based mutual insurance carrier providing farm, home, and commercial coverage across rural Wisconsin. Highly comparable to MVMIC as a regional mutual serving agricultural and small-town customers in overlapping Wisconsin geographies.
• West Bend Mutual Insurance Company: Wisconsin-domiciled mutual property and casualty insurer offering personal, commercial, and specialty lines through independent agents. Comparable in mutual structure, Wisconsin geography, multi-line P&C focus, and agent-driven distribution.
• Integrity Insurance: Wisconsin-based mutual insurance company offering personal and commercial property-casualty products distributed through independent agents. Direct comparable in mutual structure, regional Midwestern footprint, and agent-based P&C distribution model.
• Grinnell Mutual: Midwest-based mutual reinsurer and direct P&C carrier with strong farm and rural coverage focus. Comparable in mutual structure, agricultural book emphasis, and small-town agent distribution across the Upper Midwest.
• Erie Indemnity: Regional mutual P&C insurer historically focused on the Mid-Atlantic and Midwest. Comparable in mutual structure, regional concentration, multi-line P&C product set, and exclusive agent distribution model.
• Germania Insurance: Regional mutual P&C insurer focused on personal and farm coverage in the South-Central US. Comparable in mutual structure, farm and personal lines product mix, and independent agent distribution model, though operating in a different geography.
• Mutual of Enumclaw: Washington-state mutual P&C insurer serving personal, farm, and commercial lines through independent agents. Comparable in mutual ownership structure, multi-line personal and farm focus, and community-embedded agent distribution model.

Regional players

• Acuity Insurance: Larger Wisconsin-based mutual P&C insurer serving personal and commercial lines across the Midwest. Comparable as a Wisconsin-headquartered mutual competitor, though materially larger in scale, employee count, and geographic reach.
• EMC Insurance Companies: Iowa-based P&C insurance group serving commercial and personal lines across the Midwest. Comparable as a Midwest-headquartered regional P&C carrier with similar customer segments, though structured as a stock company rather than mutual.

Broad incumbents

• Auto-Owners Insurance: Large mutual P&C insurance group offering personal, commercial, and life coverage through independent agents. Comparable in mutual ownership and independent agent distribution, though serving much broader geographies and product lines.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/maple-valley-mutual-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Maple Valley Mutual Insurance Company