Mutual Insurance

Learn how mutual insurance is benefiting our economy and communities.

Mutual Insurance is another application of the cooperative business model. Mutual insurance companies are unique because they are owned by the policyholders, the people who buy and receive coverage.

Mutual insurance has a huge impact on how we protect what is most important to us.

Here is just one story from Liberty Mutual.

Watch the video


Mutual Insurance companies can be big; but they stay focused on the people at the heart of their businesses without having to meet the conflicting interests of outside stockholders or investors. From the first mutuals to the companies that exist today, they all share common roots in facing risk together in order to ensure that everyone has the resources to recover from the unexpected.

What is Mutual Insurance?

There are no outside investors in mutual insurance companies; therefore the interests of the policyholders as member-owners are the primary focus. Through cooperative member-ownership, policyholders can expect profits earned by the company to be cycled back into cost savings programs or returned to policyholders as dividend checks.

“There are no outside investors in mutual insurance; therefore the interests of the policyholders as member-owners are the primary focus.”


The first cooperative in the United States was a mutual insurance company founded in 1752 by Benjamin Franklin.
Five of the top ten largest insurance companies are mutual companies serving 25% of the market.


National Association of Mutual Insurance Companies
International Co-operative and Mutual Insurance Federation
Search Other Associations

Find Co-ops Near You

What is INVESTED, BUILT, GROWN, MADE and SPENT with a co-op directly benefits the local community – make a bigger impact when you choose local co-ops.

Find Locations
Privacy Settings
We use cookies to enhance your experience while using our website. If you are using our Services via a browser you can restrict, block or remove cookies through your web browser settings. We also use content and scripts from third parties that may use tracking technologies. You can selectively provide your consent below to allow such third party embeds. For complete information about the cookies we use, data we collect and how we process them, please check our Privacy Policy
Consent to display content from Youtube
Consent to display content from Vimeo
Google Maps
Consent to display content from Google
Consent to display content from Spotify
Sound Cloud
Consent to display content from Sound