Green County Mutual Insurance Company

What Green County Mutual Insurance Company does

Green County Mutual Insurance Company is a Wisconsin-domiciled mutual property and casualty insurer founded in 1873 and headquartered at 326 6th Street in Monroe, Wisconsin. The company underwrites personal lines and small commercial lines — primarily homeowners, renters, farm owners, farm fire, inland marine liability, rental property, personal auto, farm truck, business auto, and personal/farm umbrella coverage — for policyholders across ten counties in Southern Wisconsin: Green, Rock, Lafayette, Grant, Dane, Sauk, Jefferson, Walworth, Iowa, and Columbia. As a mutual, the company is owned by its policyholders rather than external shareholders, and it is governed by a nine-member board of directors drawn from the local community, including President Tom Rowe, Vice President Steve Ruegsegger, Treasurer Larry Bohnert, and Secretary Craig Shager, alongside board members Chad Hartwig, Jason Kundert, Timothy Olmstead, Randy Bump, and Tom Stauffacher.

The carrier operates without a proprietary technology platform, relying instead on standard insurance processing systems and a basic public website that supports online quote requests (home, auto, farm, life, business, commercial) and an online premium payment portal. Distribution is entirely direct: customers request quotes by phone at 608-325-3416 or through web forms, with no agent network or broker channel disclosed. Online premium payments are accepted via PayPal, MasterCard, and Visa on a monthly billing cadence, with a 5% convenience fee applied to card and PayPal transactions.

Revenue is generated through recurring insurance premiums, with pricing established on a per-quote basis and not publicly disclosed. The company has been continuously operating for over 150 years, took long-term control of its operating premises by purchasing its Monroe office building in 2011, and operates under the regulatory oversight of the Wisconsin Office of the Commissioner of Insurance (OCI). Its first year of operation (1873) wrote 42 policies covering $58,128 with $107.42 in receipts; it expanded from township-level to county-wide underwriting in 1933. No M&A activity, external funding events, or geographic expansion beyond the ten-county Southern Wisconsin footprint are disclosed.

Name

Green County Mutual Insurance Company

Legal name

GREEN COUNTY MUTUAL INSURANCE COMPANY

Website

https://greencountymutual.com

Company type

Private

Founded year

1873

Operating status

Operating

Short description

Green County Mutual Insurance Company is a policyholder-owned mutual property and casualty insurer founded in 1873, underwriting homeowners, renters, farm, auto, business auto, and umbrella coverage for residents and farmers across ten Southern Wisconsin counties from its Monroe headquarters.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Crop & Farm Property Insurance (FSAJACAK), Motor Vehicle Liability Insurance (FSAJAMAC), General Liability Insurance (FSAJAMAE)

Keywords

• Property and casualty insurance
• Homeowners insurance coverage
• Farm insurance policies
• Mutual insurance company
• Renters insurance plans

Headquarters

HQ city

Monroe

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

Revenue model

1. Insurance Premiums: Green County Mutual Insurance Company generates revenue through insurance premium payments collected from policyholders. Coverage types include homeowners, renters, farm owners, farm fire, inland marine liability, rental property, personal auto, farm truck, business auto, and personal or farm umbrella policies. Premiums are collected on a recurring basis aligned with policy terms.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Green County Mutual Insurance Company provides property and casualty insurance coverage for homeowners, renters, and farm owners across approximately 10 counties in Southern Wisconsin. The company writes home, farm, renters, personal auto, farm truck, business auto, inland marine, rental property, and umbrella policies on a monthly billing basis. Claims are handled in-house and supported by reinsurance from Guy Carpenter.

Product overview

Green County Mutual Insurance Company is a regional mutual insurance provider offering a portfolio of property and casualty insurance products. The company operates as a single unified insurance service provider with its core products being Homeowners Insurance, Farm Insurance, and Renters Insurance, supplemented by additional coverage types including Farmowners, Farm Fire, Inland Marine Liability, Rental Property, Personal Auto, Farm Truck, Business Auto, and Personal or Farm Umbrella insurance. The company specializes in serving homeowners, renters, and farmers across ten counties in Southern Wisconsin, with a historical focus on farm insurance dating back to its founding in 1873.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Mutual of Wausau Insurance Corporation: Another Wisconsin-based town mutual insurance company writing property coverage in northern/central Wisconsin. Green County Mutual actually routes claims reporting through Mutual of Wausau's site, indicating operational proximity. Both share the same Wisconsin Town Mutual framework and farm/owner-occupied property focus.
• Rural Mutual Insurance Company: Wisconsin's leading farm insurer, affiliated with the Wisconsin Farm Bureau. Both companies compete for the same Southern Wisconsin farm and rural household customer with overlapping personal, farm, and auto lines.
• Wisconsin Mutual Insurance Company: Wisconsin-based mutual P&C insurer serving personal and commercial lines across multiple counties. Comparable in mutual structure, regional scope, and product mix including farm and homeowners coverage.
• Farm Bureau Financial Group: Affinity-based mutual insurer focused on farm and rural customers across the Midwest, including Wisconsin. Direct overlap with Green County's farm owners and rural homeowners segments.

Broad incumbents

• Erie Insurance Group: Large regional mutual P&C insurer with a multi-state footprint and strong personal lines focus. Represents the scaled-up mutual model that Green County could aspire to, and competes for the same household insurance dollar.
• Auto-Owners Insurance: Mutual P&C insurer with strong Midwest presence including Wisconsin, writing personal, commercial, and farm lines through independent agents. A scaled incumbent competing in Green County's core product categories.
• Westfield Insurance: Mid-size regional P&C carrier with Midwest focus, writing personal and commercial lines including farm. Serves as a relevant scaled-up regional peer for a small mutual's competitive set.
• Cincinnati Financial: Large mutual P&C insurer with independent agency distribution and a meaningful Midwest book. Comparable mutual structure and multi-line personal/commercial/farm exposure make it a relevant scaled peer.
• Country Financial: Midwest-headquartered insurance and financial services company with a strong farm and rural household franchise. Competes for the same Wisconsin farm/owner-occupied property customer as Green County Mutual.

Emerging players

• Donegal Group: Regional P&C holding company writing through mutual-based subsidiaries across the Mid-Atlantic and Midwest. Smaller-scale mutual peer with comparable community-mutual operating philosophy and personal/commercial mix.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/green-county-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 Green County Mutual Insurance Company