Grain Dealers Mutual Insurance Company

Commercial Lines

Specializing in Commercial Risks of all sizes

  Grain Dealers Mutual Insurance Company, a multiple-line insurer, was incorporated in 1902. We actively write commercial lines insurance through independent insurance agents in several Midwest states.

  All classes of risks are written under agency representation.

  Our production and underwriting philosophy is based on risk selection and improvement. Our pricing philosophy is conservative but fair. We will not compete for business based solely on price. We do, however, recognize better-than-average risks through the application of individual risk premium modifiers (IRPM) when and as permitted by state law. Commission expense modification will also be applied to individual risks when an agent requests that we do so and when permitted by state law.

  Our field representatives are trained and equipped to help agents identify and solicit new business. Our online quoting and policy processing capabilities give agents the ability to issue commercial policies directly at their desktops.