query: where is state farm mutual automobile insurance company incorporated

pos: State Farm State Farm State Farm is a large group of insurance and financial services companies throughout the United States with corporate headquarters in Bloomington, Illinois. The group's main business is State Farm Mutual Automobile Insurance Company, a mutual insurance firm that also owns the other State Farm companies. State Farm ranked No. 36 on the 2018 Fortune 500 list of the largest United States corporations by total revenue. State Farm is the largest property and casualty insurance provider in the United States. It is also the largest auto insurance provider in the United States. State Farm is ranked 33rd in the

pos: Edward B. Rust Jr. Edward B. Rust Jr. Edward Barry Rust Jr. (born August 3, 1950) is chairman of the board of State Farm Mutual Automobile Insurance Company, Bloomington, Illinois. He is a former President and Chief Executive Officer of State Farm Mutual Automobile Insurance Company and State Farm Fire and Casualty Company, State Farm Life Insurance Company and other principal State Farm affiliates. Ed Rust stepped down on September 1, 2015; when Michael Tipsord was named the new President and CEO of State Farm Insurance. Ed Rust's father Edward Sr. and his grandfather Adlai Rust before him also led State Farm. A native

pos: Edward B. Rust Jr. Illinois and awarded the Order of Lincoln (the State’s highest honor) by the Governor of Illinois in 2003 in the area of Business. Edward B. Rust Jr. Edward Barry Rust Jr. (born August 3, 1950) is chairman of the board of State Farm Mutual Automobile Insurance Company, Bloomington, Illinois. He is a former President and Chief Executive Officer of State Farm Mutual Automobile Insurance Company and State Farm Fire and Casualty Company, State Farm Life Insurance Company and other principal State Farm affiliates. Ed Rust stepped down on September 1, 2015; when Michael Tipsord was named the new President and

pos: State Farm State Farm State Farm is a large group of insurance and financial services companies throughout the United States with corporate headquarters in Bloomington, Illinois. The group's main business is State Farm Mutual Automobile Insurance Company, a mutual insurance firm that also owns the other State Farm companies. State Farm ranked No. 36 on the 2018 Fortune 500 list of the largest United States corporations by total revenue. State Farm is the largest property and casualty insurance provider in the United States. It is also the largest auto insurance provider in the United States. State Farm is ranked 33rd in the

neg: George J. Mecherle Association of Mutual Insurance Companies meeting in Streator. The plan called for his company to sell automobile insurance to: members of Farm Bureau, members of farm mutuals, their immediate families, or those eligible for membership in such organizations. The association enthusiastically endorsed the plan, and Mecherle proceeded to get the state license he needed to operate. On June 8, 1922, — the day after George Mecherle's 45th birthday — State Farm Mutual Automobile Insurance Company was in business. Mecherle attempted to adopt programs that gave financial strength to his growing company while providing unique benefits to policyholders beyond what was

neg: Ohio Mutual Insurance Group Ohio Mutual Insurance Group "Ohio Mutual Insurance Group" is a group of property and casualty insurance companies based in Bucyrus, Ohio. The group is composed of three affiliates: Ohio Mutual Insurance Company, United Ohio Insurance Company and Casco Indemnity Company. As a mutual insurance company, Ohio Mutual Insurance Group is not a stock company but one that is mutually owned by its policyholders. A board of directors and an appointed president and chief executive officer manage the company. The company offers automobile, homeowners, business, farm, property, liability, inland marine and commercial automobile insurance. The combined affiliates write more than $213

neg: State Farm Mutual Automobile Insurance Co. v. Campbell protection against "excessive" punitive damage awards. Justice Ruth Bader Ginsburg voted to leave intact the decision of the Utah Supreme Court. She expressed her view that the Supreme Court "has no warrant to reform state law governing awards of punitive damages." Instead, Ginsburg wrote, while "damage-capping "legislation" may be altogether fitting and proper" (emphasis added), only "a legislative scheme or a state high court" is "authorized" to institute such a change in the law. State Farm Mutual Automobile Insurance Co. v. Campbell State Farm Mutual Automobile Insurance Co. v. Campbell, 538 U.S. 408 (2003), was a case in which the

neg: State Farm Canada, of which over 44,000,000 are for automobiles, 27,000,000 are for fire, 7,000,000 for life, and more than 2 million bank accounts. Michael Tipsord is Chairman and CEO of State Farm Mutual Automobile Insurance Company, and president and chief executive officer of State Farm Fire and Casualty Company, State Farm Life Insurance Company, and other principal State Farm affiliates. In 2014, the company sold its operations in Canada to Desjardins Group, which is continuing to use the State Farm name. Canadian policies were transferred to be underwritten by Desjardins Group on January 1, 2015. The State Farm brand continued to

neg: Motor Vehicles Manufacturers Ass'n v. State Farm Mutual Automobile Insurance Co. Motor Vehicles Manufacturers Ass'n v. State Farm Mutual Automobile Insurance Co. Motor Vehicles Manufacturers Association v. State Farm Mutual Automobile Insurance Co., 463 U.S. 29 (1983), is a United States Supreme Court decision concerning regulations requiring passive restraints in cars. In it, the Court struck down an order by the National Highway Traffic Safety Administration rescinding regulations that required either airbags or automatic seat belts in new cars. It held that the same arbitrary and capricious standard for reviewing agency actions applied to rescind regulations as that to enact regulations. It also held that the rescission of the rule requiring

neg: State Farm Mutual Automobile Insurance Co. v. Campbell State Farm Mutual Automobile Insurance Co. v. Campbell State Farm Mutual Automobile Insurance Co. v. Campbell, 538 U.S. 408 (2003), was a case in which the United States Supreme Court held that the due process clause usually limits punitive damage awards to less than ten times the size of the compensatory damages awarded and that punitive damage awards of four times the compensatory damage award is ""close to the line of constitutional impropriety"". The Court reached this conclusion applying guideposts first noted in "BMW of North America, Inc. v. Gore", 517 U.S. 559 (1996), requiring courts to consider: The matter

neg: Motor Vehicles Manufacturers Ass'n v. State Farm Mutual Automobile Insurance Co. reconsideration of previously-adopted rules: The decision is notable for laying out the Supreme Court's interpretation of arbitrary and capricious review, also known as "hard look" review, as set out by the Administrative Procedure Act: Motor Vehicles Manufacturers Ass'n v. State Farm Mutual Automobile Insurance Co. Motor Vehicles Manufacturers Association v. State Farm Mutual Automobile Insurance Co., 463 U.S. 29 (1983), is a United States Supreme Court decision concerning regulations requiring passive restraints in cars. In it, the Court struck down an order by the National Highway Traffic Safety Administration rescinding regulations that required either airbags or automatic seat belts in

neg: State Farm 2017 Fortune 500, which lists American companies by revenue. State Farm relies on exclusive agents (also known as captive agents) to sell insurance. Only State Farm agents can sell State Farm insurance, and their agents can sell only State Farm products. State Farm's top automobile insurance competitors, based on premium written, include Farmers Insurance, Allstate, Progressive, GEICO, Zurich Financial Services, Reliance Partners, Nationwide, USAA, Liberty Mutual, American International Group, and American Family Insurance Group. State Farm has expanded into the financial services arena, such as banking and mutual funds. The bank opened in May 1999 and is operated by State

neg: Nationwide Mutual Insurance Company Nationwide Mutual in 2009. It had owned the majority of NFS common stock since it had gone public in 1997. In the 1920s, farmers were paying the same rates on their automobile insurance as city drivers even though they had fewer accidents and claims than city drivers. The Ohio Farm Bureau decided to set up their own insurance company to offer rates that accurately reflected the driving habits of farmers. On April 10, 1926 the Farm Bureau Mutual Automobile Insurance Company obtained license to do business in Ohio and two days later it acquired its financing, a $10,000 loan drawn

neg: State Farm 2012, in celebration of the company’s 90th anniversary. It consists of a simple three-oval design adjacent to the State Farm wordmark. According to Pam El, Marketing Vice President at State Farm, a change in image was needed to employ a bolder presence that could compete in today’s digital world. State Farm Mutual Automobile Insurance Company is the parent company of several wholly owned State Farm subsidiaries: This commercial structure is from State Farm's "Get to a Better State" campaign that premiered in June 2011, with an increased spending budget. As a result, State Farm’s brand awareness and favorability has gone

neg: Murray Lincoln Murray Lincoln Murray Lincoln was an American business executive, leader in the cooperative movement and former CEO of Nationwide Mutual Insurance Company where he served in the capacity from 1939-1964. Lincoln was born Murray Danforth Lincoln on April 18, 1892 and grew up in Raynham, Massachusetts. Born and raised on a small farm, Lincoln obtained his Bachelor of Science degree from Massachusetts Agricultural College (now the University of Massachusetts Amherst) in 1914. He was a member of Lambda Chi Alpha fraternity. Lincoln was first executive vice president of Ohio Farm Bureau, a founder of Farm Bureau Mutual Automobile Insurance Company

neg: Nationwide Mutual Insurance Company from the membership dues of the Ohio Farm Bureau Federation. At that time, Ohio law required 100 people to pledge to become policyholders. The first agents managed to recruit ten times that number, and on April 14, 1926, Farm Bureau Mutual started business with over 1,000 policyholders. The first product of the new company, as its name implied, was automobile insurance. The company wrote policies only to Ohio farmers who were members of the Ohio Farm Bureau. In 1928, Farm Bureau Mutual expanded to West Virginia, followed by Maryland, Delaware, Vermont, and North Carolina. Farm Bureau Mutual began underwriting residents

neg: GEICO Max Papis and Casey Mears. Ty Dillon, grandson of racing legend Richard Childress, began driving the #13 GEICO Chevrolet in the 2017 season. GEICO's major competitors include Amica Mutual Insurance, Liberty Mutual Insurance, State Farm, Allstate, 21st Century Insurance, Reliance Partners, Progressive, Nationwide Insurance, and United Services Automobile Association. In December 2016, a federal Miami jury awarded $2.7 million USD to a family who sued the company, claiming the company acted in bad faith. In November 2015, a jury in Miami awarded a family $14.5 million USD after suing the company for bad faith. In October 2015, the Consumer Federation

neg: Dividend a contrasting example, in the United Kingdom, the surrender value of a with-profits policy is increased by a "bonus", which also serves the purpose of distributing profits. Life insurance dividends and bonuses, while typical of mutual insurance, are also paid by some joint stock insurers. Insurance dividend payments are not restricted to life policies. For example, general insurer State Farm Mutual Automobile Insurance Company can distribute dividends to its vehicle insurance policyholders. Dividend A dividend is a payment made by a corporation to its shareholders, usually as a distribution of profits. When a corporation earns a profit or surplus, the

neg: State Farm in Chicago, came up with the idea of providing auto loans to existing policyholders. Robert H. Kent was friends with a local bank president at LaSalle NW, and the two teamed up to pilot the auto finance program. State Farm liked the idea so much that it was rolled out to all the agents. Robert H. Kent received royalties on the program for 20 years. This event created the first marketing partnership between insurance companies and banks. State Farm was founded in 1922 by retired farmer George J. Mecherle as a mutual automobile insurance company owned by its policyholders. The

neg: History of Ohio Financial Services. Cleveland's Society for Savings was founded in 1849, eventually becoming part of KeyBank. The Bank of the Ohio Valley opened in 1858, becoming known as Fifth Third Bank today. City National Bank and Trust Company was founded in 1866 in Columbus, eventually becoming Bank One. The American Financial Group was founded in 1872 and the Western & Southern Financial Group in 1888 in Cincinnati. The Farm Bureau Mutual Automobile Insurance Company was founded in Columbus in 1925, today known as the Nationwide Mutual Insurance Company. Major retail operations emerged in the state, including Kroger in 1883 in Cincinnati,

neg: Nationwide Communications on WRFD, Columbus, Ohio, an AM radio station. The Ohio Farm Bureau was dedicated to serving farmers in Ohio, but as its other pursuits (chiefly the Farm Bureau Mutual Automobile Insurance Company) were increasingly made available to non-farmers, the Farm Bureau spun off these ventures into a separate corporation. WRFD continued to serve farmers, and indeed, still carries farm programming today under the ownership of Salem Media of Ohio. However, other Farm Bureau stations—most notably WRFD-FM, now known as WNCI—were transferred to this umbrella corporation, known today as the Nationwide Mutual Insurance Company & Affiliated Companies. The group of stations

neg: George Perry (American economist) Studies. In addition to his work at the Brookings Institution, he is a director emeritus of various Dreyfus mutual funds and of the State Farm Mutual Automobile Association and State Farm Life Insurance Company. Soon after they both arrived at Brookings, George Perry and Arthur Okun founded the Brookings Panel and its Journal, the Brookings Papers on Economic Activity. They would run the Panel meetings and edit BPEA together until Okun's death in 1980. In the following year Perry enlisted William Brainard to replace Okun, and they ran and edited BPEA for the next 27 years. When Perry and Brainard

neg: Liberty Mutual company, founded in 1912, offers a wide range of insurance products and services, including personal automobile, homeowners, workers' compensation, commercial multiple peril, commercial automobile, general liability, global specialty, group disability, fire and surety. Liberty Mutual Group owns, wholly or in part, local insurance companies in Argentina, Brazil, Chile, China (including Hong Kong), Colombia, Ecuador, India, Ireland, Poland, Portugal, Russia, Singapore, Spain, Thailand, Turkey, the United Kingdom, Venezuela and Vietnam. In the United States, Liberty Mutual remains a mutual company where policyholders holding contracts for insurance are considered shareholders in the company. However, Liberty Mutual Group's brand usually operates as a

neg: Liberty Mutual was opened in 1914, and later that year, the company wrote its first automobile insurance policy. The company was founded as a Massachusetts Mutual Company, where its insureds have ownership in the company. The name was changed in 1917 to the Liberty Mutual Insurance Company and, through partnerships, the company began offering full-coverage auto policies. In 1964, Liberty Mutual Insurance Company began offering life insurance through its Liberty Life Assurance Branch. In 2002, the company converted into its current mutual holding company structure. The conversion was controversial, as it proposed to give policyholders an interest in the mutual insurance company,

neg: Merrick Garland Manufacturers Ass'n v. State Farm Mutual Automobile Insurance Co." (1983) Garland acted as counsel to an insurance company suing to reinstate an unpopular automatic seat belt mandate. After winning the case in both the D.C. Circuit and the Supreme Court, Garland would write an eighty-seven page "Harvard Law Review" article urging courts to use a heightened "hard look" standard of review whenever an agency chooses deregulation. In 1985-86, while at Arnold & Porter, Garland was a lecturer in law at Harvard Law School, where he taught antitrust law. He has also published an article in the "Yale Law Journal" urging

neg: Harleysville Group to the states regulations. On October 9, 1917 the Mutual Auto Theft Insurance Company and the Mutual Auto Fire Insurance Company were chartered. In 1922 after changes in state regulations and increased business by automobile owners the Harleysville Mutual Casualty Company was formed. In 1933 they merged with the Auto Theft Company. Over the coming years the company made strives to predict market trends and to keep ahead of those trends. In 1956 it changed its name again to Harleysville Mutual Insurance Company. It opened up Harleysville Life Insurance Company in 1960 which wrote life and disability insurance along with

neg: State Farm Farm Financial Services, FSB, a subsidiary of State Farm Mutual Automobile Insurance Co. These are separate from its insurance products. State Farm Bank does not have branch offices. Its regular banking services, which include checking and savings accounts, certificates of deposit, and money market accounts, are available to consumers countrywide via the Internet or over the phone, and through agents. Home mortgages are available countrywide over the phone or through agents. In the 1950s, State Farm held a contest among the agents, to come up with ideas to expand the State Farm business. Robert H. Kent, a State Farm agent

neg: Unum billion. Richard McKenney has led Unum as its CEO since April 1, 2015. Union Mutual Life Insurance was incorporated in 1848 in Maine. The company issued its first policy, which covered the life of founder and company president Elisha B. Pratt for $5000, on October 1, 1849. Union Mutual's principal office at the time was located in Boston, Massachusetts, where Pratt resided. Union Mutual remained headquartered in Boston until 1881, when the state of Maine passed a law that required the principal office and headquarters of all insurance companies incorporated by the state to be located within the state. The

neg: Amica Mutual Insurance Amica Mutual Insurance Amica Mutual Insurance Company is a Rhode Island-based mutual insurance company that offers auto, home and life insurance. Amica was founded in 1907 by A.T. Vigneron and originally offered auto, fire and theft insurance. Since then, Amica has expanded to offering auto, home and life insurance, as well as owning a number of subsidiary insurance companies. It is the oldest mutual insurer of automobiles in the United States. Originally named the Automobile Mutual Insurance Company of America, Amica was founded in 1907 by A.T. Vigneron in Providence, Rhode Island. Amica was organized as a mutual insurance company,

neg: Grange Insurance State Grange. Grange Insurance Services, Inc. served as a general agent in Ohio and conducted all sales efforts and promotions. Town and Village Insurance Services then wrote business under a special automobile policy provided by the New Century Casualty Company of Chicago, Illinois. On March 25, 1935, Grange Mutual Casualty Company was formed as a non-profit corporation under the General Code of Ohio and as such, assumed the book of business from Town and Village Insurance Services. Its principal business was writing property and casualty insurance coverage for policyholders as a mutual insurance company. Grange Mutual was originally an assessment

neg: Grange Insurance insurance company. The name was changed to Trustgard Insurance Company effective February 28, 1990. Trustgard began the direct marketing of personal lines automobile and homeowners insurance in Missouri and Kansas in the early to mid 1990’s. In 1996, Grange decided to convert Trustgard to an independent agency company. Currently, Trustgard writes primarily new and renewal non-standard automobile policies. In March 1995, a new stock subsidiary of Grange Mutual named Grange Indemnity Insurance Company was formed in Ohio and currently writes primarily renewal non-standard automobile policies. In 2002 Grange Mutual Casualty Company partnered with Integrity Insurance, a small-sized company. Through this

neg: Nationwide Mutual Insurance Company of small towns in 1931 and residents in larger cities in 1934. Also, in 1934, Farm Bureau Mutual began offering fire insurance. This product grew the following year with the purchase of a struggling fire insurance company. In 1935, Farm Bureau Mutual acquired the Life Insurance Company of America from the bankrupt fraternal insurer, American Insurance Union. The company was later renamed to Farm Bureau Life Insurance Company in 1938. With growth came a need for expansion of office space. In 1936, the company moved to the famous 246 Building at 246 N. High Street in Columbus. By 1943, Farm

neg: FBL Financial Group under the symbol FFG. The company traces its history to the Great Depression in the 1930s, when the Iowa chapter of the Farm Bureau established Farm Bureau Mutual Insurance Company in 1939 to meet the insurance needs of its farmers. Farm Bureau Life Insurance Company was founded as Iowa Life Insurance Company on October 30, 1944, and opened for business in 1945. Over the years, various state Farm Bureaus merged their insurance company operations into the company. In July 1996, FBL Financial Group was listed on the New York Stock Exchange at a split-adjusted initial public offering price of $8.75.

neg: FMG Insurance FMG Insurance FMG Insurance (formerly Farmers' Mutual Group) is a mutual insurance company in New Zealand that was established from a merger of the Farmers' Mutual Insurance Association, Taranaki Farmers' Mutual Insurance Association and Primary Industries Insurance Company Limited in 1978. The company is incorporated under the Farmers’ Mutual Group Act 2007 and can trace its origins back to the original farmer's fire mutual organisations established in 1905. FMG is currently sponsors of the following organisations: FMG formally held naming rights to Arena 1 in Palmerston North, Arena Manawatu's main outdoor venue. It held naming rights from 2005 until 2015.

neg: State Farm Mutual Automobile Insurance Co. v. Campbell Campbells would pursue a bad-faith action against State Farm. The attorneys for Slusher and Ospital's estate would represent the Campbells in the bad-faith suit and would make all major decisions regarding it. No settlement would take effect without the approval of Slusher and Ospital's estate, who would receive 90 percent of any verdict against State Farm. In 1989 the Utah Supreme Court denied Campbell's appeal. State Farm then paid the entire amount of the judgment including the excess amount. Nevertheless, the Campbells filed suit against State Farm alleging bad faith, fraud, and intentional infliction of emotional distress. Initially the trial

neg: State Farm Mutual Automobile Insurance Co. v. Campbell involved Curtis Campbell, who was insured by State Farm. In 1981, Campbell caused an accident in which Todd Ospital was killed and Robert G. Slusher was left permanently disabled, a fact confirmed by both witnesses to the accident and investigators. Notwithstanding the evidence against Campbell, State Farm decided to contest liability and decline the settlement offers from both Slusher and Ospital's estate (both parties were offering to settle for $25,000 each, or $50,000 total, which was the policy limit). State Farm assured the Campbells that "their assets were safe, that they had no liability for the accident, that [State Farm]

neg: Desjardins Group Manitoba. In 2011, Desjardins Credit Union in Ontario merged with Meridian Credit Union. In 2014, Desjardins Group acquired the Canadian operations of State Farm. The policies were transferred to be underwritten by Desjardins Insurance on January 1, 2015. The State Farm brand continued to be used for agents and marketing until 2018. On January 3, 2017, Desjardins Group announced the closing of the sale of its pet health insurance company, Western Financial Insurance Company to Economical Mutual Insurance Company (http://www.petsecure.com/news/2017/01/03/economical-insurance-completes-acquisition). Western Financial Insurance Company and its flagship brand, Petsecure were purchased in 2011 as part of the Western Financial Group

neg: State Mutual Insurance Company new agents sold $1,431,000 of new life insurance policies. These new policies and those that were managed by the state insurance commissioner were combined to form the State Mutual Insurance Company. State Mutual Insurance is a mutual insurance company, so it is owned by its policyholders, not stockholders. Company decisions are made on behalf of the policyholders. State Mutual Insurance conducts business in 41 states including the District of Columbia. When State Mutual Insurance Company was formed, it was originally chartered under Florida law because, at the time, there were no legal provisions in Georgia to accommodate a company without

neg: Nationwide Mutual Insurance Company to the beneficiaries to notify the insurer; however, few companies have fallen back on this argument due to public relations fallout. In June 2014, Nationwide was hit with an $18 million punitive damages award after a plaintiff proved the company "strong-armed its own policyholder rather than negotiating in good faith to compensate plaintiff for the loss suffered in an automobile collision." Nationwide Mutual Insurance Company Nationwide Mutual Insurance Company and affiliated companies is a group of large U.S. insurance and financial services companies based in Columbus, OH. The company also operates regional headquarters in Des Moines, IA; San Antonio, TX;

neg: Nodak Mutual Insurance Company Nodak Mutual Insurance Company Nodak Insurance Company is an insurance company based in Fargo, North Dakota. It was founded in 1946 by North Dakota farmers and ranchers to protect their businesses from natural disasters. Nodak Insurance Co offers insurance plans covering home, farm and ranch, auto, business, crop-hail, life, long-term care, health, as well as securities and annuities. The first leader of the organization was George W. "Bill" Nygaard, who ran the company from 1943 until his retirement in 1968. It was re-organised as a closely held, listed corporation in 2017 It is affiliated with the North Dakota Farm Bureau.

neg: Royal Automobile Club of Western Australia Royal Automobile Club of Western Australia The Royal Automobile Club of Western Australia (RAC WA) is a motoring club and mutual organisation, offering motoring services and advice, insurance, travel services, finance, driver training and exclusive benefits for their members. As the independent voice for road users in WA, RAC is concerned with all aspects of road and community safety. The RAC Group comprises the Royal Automobile Club of WA (Incorporated), RAC Insurance Pty Limited, RAC Travel Services Pty Ltd, RAC Finance Ltd and RAC Security Services Pty Ltd. 1905: The Automobile Club of WA starts signposting roads and creating maps

neg: State Farm Mutual Automobile Insurance Co. v. Campbell court granted summary judgment for State Farm as it had paid the entire amount of the judgment, but the ruling was reversed on appeal. The Utah Supreme Court reinstated a $145 million punitive verdict against State Farm, noting that an earlier $100 million judgment had gone unreported to State Farm's corporate headquarters, and that the regional vice president had no plans to report the judgment under review, despite the judgment being substantially based on evidence of national corporate policy. Justices Antonin Scalia and Clarence Thomas adhered to their previously expressed views that the Due Process Clause and Constitution provide no

neg: Western Mutual Insurance Group Commission. Western Mutual was incorporated under the laws of California on March 7, 1942 as a county mutual fire insurer with the title Coast Mutual Fire Insurance Company of Los Angeles County. It commenced business on April 30, 1942. Residence Mutual Insurance Company was founded in 1949. On June 27, 1973 amended articles of incorporation changed the form of operation to that of a general mutual insurance company with multiple line authority and the present title of Western Mutual was adopted. The group expanded from California to writing insurance in Nevada and Colorado in 2002. In 2005, Arizona Home Insurance

neg: Richard W. Vollmer Jr. Richard W. Vollmer Jr. Richard W. Vollmer Jr. (March 7, 1926 – March 20, 2003) was a United States District Judge of the United States District Court for the Southern District of Alabama. Born in St. Louis, Missouri, Vollmer was in the United States Navy during World War II, from 1944 to 1946, and again from 1950 to 1952. He received a Bachelor of Laws from the University of Alabama School of Law in 1953. He was a Claims Representative for the State Farm Mutual Automobile Insurance Company from 1953 to 1956. He was in private practice in Mobile, Alabama

neg: State Mutual Insurance Company can request completely anonymous and secure quotes online, submit applications, and receive proof of their policies immediately. State Mutual Insurance Company maintains its office in historic downtown Rome, just a few blocks away from its original 1936 location. A plaque hangs in its Rome office, celebrating its founding and states, "What Rome builds, builds Rome," and lists the 113 names of those involved in the Million Dollar Campaign. Company website State Mutual Insurance Company State Mutual Insurance Company is a mutual insurance company located in Rome, Georgia, USA, and currently specializing in the sale of Medicare supplement insurance. In 1937,

neg: Shelter Insurance Shelter Insurance Shelter Insurance Company is a mutual insurance company which focuses on Auto, Property, Business, and Life Insurance. It operates in fifteen U.S. states and the headquarters is in Columbia, Missouri. Shelter was founded in 1946 as the insurance subsidiary of the Missouri Farmers Association (the same company as MFA Incorporated), and was called MFA Mutual Insurance Company. The Shelter name came from the company's most famous slogan, "M.F.A is your Shield of Shelter". In 1981, the name was changed to Shelter Insurance Companies. The company's headquarters remained in Columbia. The Shelter Insurance Gardens are located at the company

neg: Allied Insurance Allied Insurance Allied Insurance provides insurance to individuals, families and businesses. Headquarters are located in Des Moines, Iowa. They are represented by independent insurance agents through their regional offices and staff in: Des Moines, Iowa; Lincoln, Nebraska, Denver, Colorado, and Sacramento, California. Allied employs more than 4,100 people throughout the U.S. It was formed as ALLIED Mutual Automobile Association in 1929 by Harold Evans. In 1998, Allied merged with Nationwide Mutual Insurance Company. A Fortune 500 company based in Columbus, Ohio, Nationwide is one of the country's largest diversified insurance and financial services organizations. Nationwide is one of the country's

neg: Cornish Mutual Insurance Institute (CII). Cornish Mutual’s motor trade insurance is provided by Cornish Mutual subsidiary company, Cornish Mutual Insurance Services Ltd (CMIS). The company is an appointed representative of South Essex Insurance Brokers Ltd who are authorised and regulated by the Financial Conduct Authority. The board of directors consists of seven Non-executive Directors, one Senior Independent Director and two Executive Directors. Key members include: Cornish Mutual offers a range of general insurance products for farms, businesses and individuals based in the rural community. These include: Farm, Home, Let Property, Fleet, Small Business, Special Events, Personal Accident and many more. Cornish Mutual

neg: Royal Automobile Club of Western Australia the contribution of notable Western Australians to the RAC and motoring in Western Australia. The RAC Group comprises the Royal Automotive Club of WA (Incorporated), RAC Insurance Pty Limited, RAC Travel Services Pty Ltd, RAC Finance Ltd and RAC Security Services Pty Ltd. Royal Automobile Club of Western Australia The Royal Automobile Club of Western Australia (RAC WA) is a motoring club and mutual organisation, offering motoring services and advice, insurance, travel services, finance, driver training and exclusive benefits for their members. As the independent voice for road users in WA, RAC is concerned with all aspects of road and

neg: Shelter Insurance headquarters in Columbia. In September 2012 Shelter announced the closure of Shelter Financial Bank. Though profitable, the announcement cited the additional costs associated with the Dodd–Frank Wall Street Reform and Consumer Protection Act as the primary reason for closure. Shelter Insurance Shelter Insurance Company is a mutual insurance company which focuses on Auto, Property, Business, and Life Insurance. It operates in fifteen U.S. states and the headquarters is in Columbia, Missouri. Shelter was founded in 1946 as the insurance subsidiary of the Missouri Farmers Association (the same company as MFA Incorporated), and was called MFA Mutual Insurance Company. The Shelter

neg: Nationwide Mutual Insurance Company Bureau Mutual operated in 12 states and the District of Columbia. Even with the tripling of space in the 246 Building (which was finally dedicated on the 25th anniversary of the company), Farm Bureau Mutual still had insufficient office space, and began opening regional offices in 1951. In 1955, Farm Bureau Mutual changed its name to Nationwide Insurance, a name by which it is commonly known today. In the 10 years that followed, Nationwide expanded into Oregon, making the company truly "nationwide". It also expanded into 19 other states, bringing the total by 1965 to 32 states and the District

neg: Gore Mutual Insurance Company communities where they do business. In 1998 Gore Mutual incorporated the Gore Mutual Insurance Foundation. Incorporating the Gore Mutual Foundation registered it as private charity funding statues, which has the benefit of being tax free allowing for an increase in yearly donations. There are two ways to apply for donations, In 2011 Gore Mutual Foundation donated $450,000 to nearly 120 charities Canada wide. In 2012Gore Mutual pledged $1,000,000 to the Gore Mutual Foundation. Since 1998 Gore Mutual Foundation has donated over $12,000,000 to nearly 1,000 charities. In 2008 the Gore Mutual Foundation donated $500,000 to the Cambridge Memorial Hospital. This

neg: State Mutual Insurance Company State Mutual Insurance Company State Mutual Insurance Company is a mutual insurance company located in Rome, Georgia, USA, and currently specializing in the sale of Medicare supplement insurance. In 1937, six prominent figures from Rome made a plan to provide a source of employment and income for the people of the town during the Great Depression. 113 citizens of Rome were granted temporary licenses to act as insurance agents. Titled the "Million Dollar Campaign", their goal was to sell $1,000,000 worth of insurance policies in order to save a company and the jobs held there. In three weeks, the 113

neg: Ohio Mutual Insurance Group million in premiums each year. Its products are sold through nearly 400 independent insurance agent partners in seven states: Connecticut, Indiana, Maine, New Hampshire, Ohio, Rhode Island and Vermont. Ohio Mutual Insurance Group is a member of the National Insurance Crime Bureau, a non-profit membership organization created by the insurance industry to address insurance-related crime. Ohio Mutual Insurance Group was founded in 1901 as the Ohio Mutual Tornado, Cyclone and Windstorm Company, offering insurance to farmers. It was incorporated in Columbus, Ohio and its first office was established in Bucyrus above what is now the FC Bank on Washington Square.

neg: Leif Hansen (businessman) incentives for customer steering - specifically in the requirement of insurance companies to do work using refurbished instead of new parts. In Clark v. State Farm Mutual Insurance Company in 2007, judges threw out the case, claiming that it did not merit a class action status since the initial plaintiff Ricky Eugene Clark received a judgement award before additional claims came forward (Lief Hansen included). A judgement by the United States Court of Appeals, Tenth Circuit upheld the initial verdict. Hansen's company went to court against Oregon Mutual and Grange Insurance due to antitrust activities in relation to price requirements

neg: Economical Insurance Economical Insurance Economical Insurance, founded in 1871, is a Canadian Property & Casualty insurance company, offering automobile, property, liability, agriculture, and surety insurance. Its executive offices are located in Waterloo, Ontario, with regional offices across Canada. The company has a 4.02% market share, measured by direct written premium in the Canadian Property & Casualty Insurance market as of December 2012.As of 2014, it had about 1.6 billion in mutual policyholder's equity. It is the 9th largest property and casualty insurance company in Canada, by direct written premium and the 20th largest insurance company in Canada, by total assets. The firm

neg: State Farm Mutual Automobile Insurance Co. v. Campbell would represent their interests, and that they did not need to procure separate counsel." However, a jury rendered a verdict that Campbell was 100 percent liable for the accident and awarded a judgment of $185,849. State Farm refused to pay the excess amount, nor would it post a supersedeas bond to allow Campbell to appeal the verdict; Campbell obtained his own counsel to appeal the verdict. While the appeal was pending, in late 1984 the Campbells reached a settlement with Slusher and Ospital's estate, whereby those parties agreed not to seek satisfaction of the judgment against the Campbells, and the

neg: GEICO GEICO The Government Employees Insurance Company (GEICO ) is an American auto insurance company with headquarters in Chevy Chase, Maryland. It is the second largest auto insurer in the United States, after State Farm. GEICO is a wholly owned subsidiary of Berkshire Hathaway that provides coverage for more than 24 million motor vehicles owned by more than 15 million policy holders as of 2017. GEICO writes private passenger automobile insurance in all 50 U.S. states and the District of Columbia. The insurance agency sells policies through local agents, called GEICO Field Representatives, over the phone directly to the consumer, and

neg: Carl E. Mapes Carl E. Mapes Carl Edgar Mapes (December 26, 1874 – December 12, 1939) was a politician from the U.S. state of Michigan. Mapes was born on a farm near Kalamo, Michigan, to Selah W. and Sarah Ann (Brooks) Mapes. His father was born in New York and came with his parents at the age of seven to Kalamo Michigan, where he became a county district schoolteacher and held various township offices. He was also president of the Barry and Eaton County Farmers Mutual Fire Insurance Company and the Michigan Tornado and Cyclone Insurance Company. Sarah Ann was from Washtenaw County

neg: Grange Insurance Grange Insurance Grange Mutual Casualty Company, commonly known as Grange Insurance, is an American insurance company based in Columbus, Ohio. Grange markets its products exclusively through a network of about 3,600 independent agents to offer home, auto, life, and business insurance protection to policyholders. The company, formed in 1935, now operates in 13 states. These states include Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin. In February 1933, the Town and Village Insurance Company Services worked under an agreement with Grange Insurance Services, Inc. to write automobile insurance for members of the Ohio

neg: MAPFRE Insurance in 1972 as small insurance company in the south-central Massachusetts town of Webster(link) where the company is still located and headquartered. In April 2007, Commerce entered the New York personal lines insurance market through its acquisition of SWICO Enterprises, Ltd., the holding company for Hempstead, New York-based (link) property and casualty insurer State-Wide Insurance Company. State-Wide Insurance Company primarily writes private passenger automobile insurance in the state of New York. In June 2008, The Commerce Group, Inc. was acquired by Mapfre S.A. Mapfre, based in Madrid, was founded in 1933 as a landowners' co-operative; it is now a public company

neg: State Mutual Insurance Company stockholders. In 1982, the company was re-chartered in Georgia. During the 1980s, State Mutual absorbed six other life insurance companies and maintained policyholders and agents in over 30 states. State Mutual also purchased a savings and loan association, which was refurbished and then sold. In the 1990s, State Mutual Insurance Company shifted its market to seniors. Life insurance and Medicare supplement products were developed with competitive rates. By the early part of the 21st century, State Mutual had over 1,000,000 Medicare supplement policyholders. In 2010, State Mutual developed a secure, Internet-based application system for obtaining a Medicare supplement plan. Customers

neg: Korea Deposit Insurance Corporation are 0.08% for banks, 0.15% for financial investment companies, insurance companies and merchant banks and 0.35% for mutual savings banks. The KDIC currently has MOUs on Information Sharing and Mutual Cooperation with nine deposit insurers worldwide. Seoul Guarantee Insurance Company (SGIC, 서울보증보험) is a financial services company incorporated in South Korea. Headquartered in Seoul, SGIC is the largest provider of surety and trade credit insurance. It is fully owned by Korea Deposit Insurance Corporation, a government institution that insures bank deposits. The company was formed after the merger between Hankuk and Korea Fidelity and Surety Corporation during the economic crisis

neg: Progressive Corporation trucks owned by businesses primarily through the independent agency channel. The Other-indemnity segment provides professional liability insurance to community banks, principally directors, and officers liability insurance. It also provides insurance-related services, primarily providing policy issuance and claims adjusting services in 25 states for Commercial Auto Insurance Procedures/Plans. In 2011, the company was ranked 164 in the Fortune 500. Progressive is one of the largest auto insurers in the United States, with over 13 million policies in force, along with State Farm, Allstate, GEICO, Nationwide Mutual Insurance Company, Farmers Insurance Group, and USAA. Progressive primarily offers its services through the Internet

neg: Golden State Mutual Life Insurance Company ability to assume 100% of the Golden State Mutual policies, so that policyholders will be fully protected under the transaction while remaining creditors and investors have a much greater potential to be repaid. Golden State Mutual Life Insurance Company Golden State Mutual Life Insurance Company, once the largest black-owned insurance company in the western United States, was founded by William Nickerson, Jr. with the assistance of Norman Oliver Houston and George Allen Beavers, Jr. In the mid-1920s, when William Nickerson, Jr., an insurance salesman and publisher from Texas, arrived in Los Angeles, he was alarmed to discover that most of

neg: Golden State Mutual Life Insurance Building (1949) Mr. Williams as well as a history of the Golden State Mutual Life Insurance Company. Golden State Mutual Life Insurance Building (1949) The Golden State Mutual Life Insurance Building is a landmark 5-story, office building in the Late Moderne style built in 1949 as the headquarters for its namesake company. The building was designed by Paul Revere Williams, the noted African-American Architect. The building is located in the West Adams district of South Los Angeles about 3.5 miles southwest of Downtown Los Angeles and 2 miles northwest of Exposition Park and USC. This was the company's second building to bear

neg: Gore Mutual Insurance Company total of $525,000 which is worth roughly $7,297,550 today. In the early 1970s Gore Mutual hired Brantford architects Mark Musselman, McIntyre & Combe to design a new building that was to be attached to the existing head office built in 1937. The two buildings are connected by a glass passageway that extends 60 feet from the old to new building. In 1968 Gore Mutual purchased its first Honeywell Computer, becoming one of the first companies in Canada to use a computerized policy handling for automobile insurance. The late 1970s were the age of the computer for Gore Mutual. Cathode Ray

neg: Wawanesa Insurance Wawanesa Insurance The Wawanesa Mutual Insurance Co. is a Canadian insurance firm. Currently, the company's executive offices are located in Winnipeg, Manitoba, with regional offices across Canada and operations in the United States. The company was established as a farmers' mutual insurance carrier in 1896 in Wawanesa, Manitoba, and was subsequently incorporated by an Act of Parliament on May 1, 1929. It was founded by Alonzo Fowler Kempton, who started the company using money invested by local farmers. After two weeks, Charles Kerr, Alonzo's partner, completed the company's first policy, insuring a thresher for $600 at a premium of $24

neg: Golden State Mutual Life Insurance Building (1928) Golden State Mutual Life Insurance Building (1928) The Golden State Mutual Life Insurance Building was built in 1928 and for many years housed one of Los Angeles's most successful African American-owned businesses, the Golden State Mutual Life Insurance Company. It is located in the heart of the city's Central Avenue commercial district that was a center of the jazz world in the 1930s and 1940s. The two-story building was designed by architect James H. Garrott and constructed by Louis Blodgett (both African Americans) in the Mission Revival style. The company occupied the second floor, while the first floor was rented

neg: George J. Mecherle moved back to Central Illinois in 1921. After returning to Illinois he had sold tractors for a while and discovered that he had a real knack for selling to farmers. Believing that city insurance companies were "rooking" farmers with high premiums based upon city driving accident rates, he supposedly became obsessed with the idea of starting his own insurance company — "an honest insurance company" was the phrase Mecherle used. In the spring of 1921, Tazewell County Farm Bureau organized a township mutual insurance company — which was the idea Mecherle had been considering — a mutual insurance company which

neg: Golden State Mutual Life Insurance Company Golden State Mutual Life Insurance Company Golden State Mutual Life Insurance Company, once the largest black-owned insurance company in the western United States, was founded by William Nickerson, Jr. with the assistance of Norman Oliver Houston and George Allen Beavers, Jr. In the mid-1920s, when William Nickerson, Jr., an insurance salesman and publisher from Texas, arrived in Los Angeles, he was alarmed to discover that most of the 16,000 blacks living in the city were unable to obtain life insurance. Unable to afford an attorney, Nickerson studied law to determine the state's requirements to form a corporation to accommodate this

neg: Grinnell Mutual Grinnell Mutual Grinnell Mutual is a mutual reinsurance company based in Grinnell, Iowa, United States. The company operates in 19 states. On February 6, 2018, A.M. Best issued an 'A' (Excellent) rating for financial strength and an 'a' with a positive outlook long-term issuer credit rating for Grinnell Mutual. It has received an 'A' rating from A.M. Best since 1976. It has been a Property-Casualty Ward’s 50 Company since 2016. Grinnell Mutual is the 111th largest property-casualty insurance company in the U.S. Grinnell Mutual is the largest direct reinsurer of farm mutual companies in North America. With its member mutuals,

neg: Grinnell Mutual it has over $1 Billion in combined written premium and $132 Billion insurance in force. In 2014, Grinnell Mutual was one of first six companies investing in the Global Insurance Accelerator, the first startup accelerator for insurtech. In 2016, it was one of the first seven companies investing in the Iowa AgriTech Accelerator, an agtech startup accelerator based in Des Moines, Iowa. Grinnell Mutual, in business since 1909, is the 111th-largest property casualty insurance company in the United States and the largest primary reinsurer of farm mutual companies in North America. Our products are available in 19 states. In 1909,

neg: Ohio Mutual Insurance Group The company’s second headquarters was built in 1941 across from the Crawford County Courthouse. In 1947, the company’s name changed to Ohio Windstorm Insurance Corporation and again, in 1961, to Ohio Mutual Insurance Association. The company was reorganized and the name changed to Ohio Mutual Insurance Company in 2000. The name Ohio Mutual Insurance Group was registered with the Ohio Secretary of State in 2007. The company moved to its current headquarters, located at 1725 Hopley Avenue, Bucyrus, Ohio, in 1969. On January 1, 2011, Ohio Mutual Insurance Group completed the acquisition of Casco Indemnity Company located in Saco, Maine.

neg: Massachusetts Mutual Life Insurance Company MassMutual's creation. Approximately a dozen competing mutual companies, including Mutual Life Insurance Company of New York (1842), Mutual Life Insurance Company of New Jersey (1845), and Connecticut Mutual Life Insurance (1846), experienced promising success, because minimal amounts of working capital were required for operation. However, MassMutual's path followed a different course when an 1851 Massachusetts state law required all insurance companies to take an initial stock subscription of $100,000. Rice met that requirement by recruiting 31 investors to purchase stock in his company to meet the mandatory subscription. After the company began operations and built sufficient reserves to meet regulatory

neg: Golden State Mutual Life Insurance Company 3512 Central Avenue. By the end of its first year the company had established an office in Oakland, California, had sold more than $260,000 in policies, and had $6,000 in reserves and a surplus of over $16,000. Within three years Golden State Insurance had over 100 employees including sixty agents as well as branches in Pasadena, Bakersfield, San Diego and Fresno. In 1928, using all African American design and labor, they built the two-story Golden State Mutual Life Insurance Building at 4261 Central Avenue where the firm occupied the top floor while the main floor was rented to merchants. The

neg: Motor Vehicles Manufacturers Ass'n v. State Farm Mutual Automobile Insurance Co. of requiring airbags. Justice White, writing for the majority, disagreed with the DC Circuit and held that the scope of judicial review is the same for rescission as it is for enacting regulations in the first place. The Supreme Court explicitly rejected the view that it should treat rescission the same as a refusal to regulate in the first place: "The Motor Vehicle Safety Act expressly equates orders 'revoking' and 'establishing' safety standards; neither that Act nor the APA suggests that revocations are to be treated as refusals to promulgate standards." It also rejected the view that the congressional action,

neg: Western Mutual Insurance Group Arizona Home Insurance Company has been writing direct homeowners, dwelling fire, earthquake, and allied lines insurance for preferred homeowners in the state of Arizona for more than 20 years. While the company is part of the Western Mutual Insurance Group, Arizona Home Insurance writes only in Arizona, with an office in Scottsdale and claims adjusters employed throughout the state of Arizona. The Group provides homeowners, dwelling fire, condominium, flood, and earthquake insurance throughout the southwestern United States. The company uses extensive underwriting to create a niche market of "preferred homeowners" insurance with lower risk, enabling the company to pass these

neg: WRFD New York City, a 50,000-watt, clear-channel station on the same frequency. Despite the interruption of over-the-air service, WRFD offers programming 24 hours daily through its webstream. WRFD began broadcasting September 14, 1947, with 5 KW power and was owned and operated by Peoples Broadcasting Company, an affiliate of Farm Bureau Mutual Insurance Company (the present-day Nationwide Mutual Insurance Company; the Ohio Farm Bureau Federation was Nationwide's founding member). WRFD was originally aimed at the regional agricultural market (hence the use of "RFD", or rural free delivery), and had its studios and transmitter located on East Powell Road in rural Delaware

neg: Motor Vehicles Manufacturers Ass'n v. State Farm Mutual Automobile Insurance Co. some sort of passive restraint was arbitrary and capricious because it failed to consider the alternative of requiring all cars to have airbags. Finally, it held that the agency had too quickly dismissed the safety benefits of automatic seat belts. The case is noteworthy not only for its effects on car safety but also in clarifying the Court's approach to reviewing agency actions under the Administrative Procedure Act. The National Traffic and Motor Vehicle Safety Act of 1966 directs the National Highway Traffic Safety Administration (NHTSA) to issue safety standards that "shall be practicable, shall meet the need for motor

neg: National Association of Mutual Insurance Companies National Association of Mutual Insurance Companies The National Association of Mutual Insurance Companies (NAMIC) is the only U.S. trade association representing mutual property/casualty insurance companies. Founded in 1895, NAMIC has been serving its U.S. and Canadian members in areas of advocacy and education. NAMIC is the largest and most diverse property/casualty trade association in the country, with 1,400 regional and local mutual insurance member companies serving more than 135 million auto, home, and business policyholders and writing in excess of $196 billion in annual premiums. NAMIC member companies account for 50 percent of the automobile/homeowners market share and 31 percent

neg: Golden State Mutual Life Insurance Building (1928) out to local merchants. The noted Dunbar Hotel is located on the next block to the north. In 1949, the Golden State Mutual Life Insurance Company moved to its new headquarters at 1999 West Adams, now also an historic building. The structure was later converted into a child development center known as the Dunbar Child Development Center. In 1998, the building was listed on the National Register of Historic Places. Golden State Mutual Life Insurance Building (1928) The Golden State Mutual Life Insurance Building was built in 1928 and for many years housed one of Los Angeles's most successful African

neg: Northwestern Mutual Northwestern Mutual The Northwestern Mutual is an American financial services mutual organization based in Milwaukee. The financial security company provides consultation on wealth and asset income protection, education planning, retirement planning, investment advisory services, trust and private client services, estate planning and business planning. Its products include life insurance, disability income, and long-term care insurance; annuities; investments; and investment advisory products and services. Northwestern Mutual ranked No. 104 in the 2018 Fortune 500 list of the largest United States corporations by total revenue. Northwestern Mutual was founded as the Mutual Life Insurance Company of the State of Wisconsin on March

neg: George J. Mecherle is owned by those who are insured through a membership. The Tazewell company was set up to insure property, including automobiles. Mecherle then attended a meeting of the Federation of Mutual Fire Insurance Companies in the summer of 1921 in St. Louis. He spoke with Tazewell County Farm Bureau president and those discussions helped to crystallize Mecherle's idea of starting "an honest insurance company." Eventually, Mecherle's idea began taking shape and he opened his first office late in 1921 in The Illinois House in downtown Bloomington. In January 1922, he developed a prospectus and presented it to the Illinois State

neg: Cornish Mutual - so they can visit Members to give unbiased insurance advice. Cornish Mutual celebrated 110 years of protecting what matters most to people in 2013 and has many members who have been insuring with the organisation for generations. The company offers a range of insurances including: farm, small business, home, let property, agricultural motor vehicle, agricultural motor fleet, motor trade, special events and personal accident. In 2012 Cornish Mutual gained ‘Chartered Insurer’ status. They are the first mutual insurance company in the UK and the first insurer in the South West to achieve this level of recognition from the Chartered

neg: Mutual insurance Mutual insurance A mutual insurance company is an insurance company owned entirely by its policyholders. Any profits earned by a mutual insurance company are either retained within the company or rebated to policyholders in the form of dividend distributions or reduced future premiums. In contrast, a stock insurance company is owned by investors who have purchased company stock; any profits generated by a stock insurance company are distributed to the investors without necessarily benefiting the policyholders. The concept of mutual insurance originated in England in the late 17th century to cover losses due to fire. The mutual/casualty insurance industry began

neg: Western Mutual Insurance Group savings on to their policyholders. On October 24, 2013 A.M. Best awarded the top rating of A+ (Superior) to the Western Mutual Insurance Group. Residence Mutual was ranked #1 in the state of California for the lowest justified consumer complaints in their Homeowners Complaint Composite Report from 2012 to 2014. In 2018, for the seventh consecutive year, Western Mutual was named as a top performer in the Ward's Top 50 Property and Casualty Insurers list. Western Mutual Insurance Group Western Mutual Insurance Group is an American group of Property and Casualty Insurance companies, made up of Western Mutual Insurance Company,

neg: Mutual insurance introduced in Iowa in 1995, and has spread since then. There have been concerns that the mutual holding company conversion is disadvantageous for the owners of the company, the policyholders. The major disadvantage of mutual insurance companies is the difficulty of raising capital. In the 111th Congress, Carolyn Maloney sponsored a bill that she claimed would have protected mutual holding company owners. The measure, , died in committee. Mutual holding companies are one way to undergo privatization, also called demutualization. General Mutual insurance companies Health insurance companies Mutual insurance A mutual insurance company is an insurance company owned entirely by

neg: Raymond Kethledge requires "conviction of purpose, and the moral courage" to choose principle over popularity. The book has been reviewed on Above The Law, in "The Washington Post," and in "Publishers Weekly." "The Wall Street Journal" said the book "makes a compelling argument for the integral relationship between solitude and leadership." The Green Bag Almanac has recognized Judge Kethledge for "exemplary legal writing" in two different years: in 2013 (for "Bennett v. State Farm Mutual Automobile Insurance") and in 2017 (for "Wayside Church v. Van Buren County"). In "United States v. Carpenter" (2016), Kethledge wrote for the divided court when it found

neg: Ohio Mutual Insurance Group 24, 2016 financial strength rating. The “A” rating has been held since 1993. From 2009 through 2013, Ward Group, an operational consulting firm that provides benchmarking and best practice recognition for the insurance industry, listed Ohio Mutual Insurance Group as one of the nation’s top 50 property-casualty insurers. Ohio Mutual Insurance Group "Ohio Mutual Insurance Group" is a group of property and casualty insurance companies based in Bucyrus, Ohio. The group is composed of three affiliates: Ohio Mutual Insurance Company, United Ohio Insurance Company and Casco Indemnity Company. As a mutual insurance company, Ohio Mutual Insurance Group is not a

neg: Physicians Mutual Physicians Mutual Physicians Mutual is a privately held insurance company headquartered in Omaha, Nebraska, United States, that consists of Physicians Mutual Insurance Company and Physicians Life Insurance Company. Founded as Physicians Mutual Insurance Company in 1902 by Edwin E. Elliott, Physicians Mutual began by selling health insurance to medical professionals. Policies were offered to the general public starting in 1962, and by 1970 the company expanded into life insurance when it founded Physicians Life Insurance Company. Today the company offers a variety of insurance products, annuities, Medicare, Medigap, Medicare Supplement, Term Life Insurance, Whole Life Insurance, Cancer and funeral pre-planning

neg: Atlantic Mutual Insurance Company Atlantic Mutual Insurance Company The Atlantic Mutual Insurance Company is a mutual insurance company which offers personal, marine, commercial property, and casualty insurance. It is part of the Atlantic Mutual Companies, which includes Centennial Insurance Company. Its corporate headquarters are at 140 Broadway, a block from the World Trade Center. The company was founded in 1838 as the Atlantic Insurance Company. Originally a joint-stock company, it became a mutual company in 1842. Its first chairman was Walter Restored Jones, a member of a prominent upper-class family of attorneys in New York City. The Jones family ran the company for decades.

neg: Motor Vehicles Manufacturers Ass'n v. State Farm Mutual Automobile Insurance Co. effect.. In 1976, the optional alternatives were extended indefinitely by Secretary of Transportation William Coleman, and the passive restraint requirement suspended because of expected public resistance. They were then reinstated by Coleman's successor, Brock Adams, and then thru we're re-rescinded by his successor, Andrew Lewis. The last rescission is the action that the Supreme Court reviewed. The NHTSA justified the rescission by saying that there was no longer sufficient evidence for the efficacy of the regulations. That was because of not a change in judgment about the technology but a change in car manufacturers' plans. Whereas the NHTSA originally estimated

neg: Golden State Mutual Life Insurance Company In 1962, when Beavers took on the added role as president of the National Insurance Association, it was apparent that something needed to be done to insure the continued viability of black-owned businesses. In 1970, Houston's sons, Norman B. Houston and Ivan J. Houston, took over active management of Golden State Mutual. While the company continued to succeed, rough financial waters lay ahead. By the 1980s, Golden State Mutual was struggling to maintain profitability. The Golden State Mutual African American Art Collection was sold at auction on 4 October 2007 and dispersed. On September 20, 2009, California Insurance Commissioner Steve

neg: Gobeille v. Liberty Mutual Insurance Company Gobeille v. Liberty Mutual Insurance Company Gobeille v. Liberty Mutual Insurance Company, 577 U.S. ___ (2016), was a United States Supreme Court case in which the Court held that a Vermont state law requiring the disclosure of certain information relating to health care services was preempted by the Employee Retirement Income Security Act (ERISA) to the extent that the state law applied to ERISA plans. Writing for a majority of the Court, Justice Anthony Kennedy held that the Vermont law "impose[d] duties that are inconsistent with the central design of ERISA, which is to provide a single uniform national scheme

neg: Golden State Mutual Life Insurance Building (1949) Golden State Mutual Life Insurance Building (1949) The Golden State Mutual Life Insurance Building is a landmark 5-story, office building in the Late Moderne style built in 1949 as the headquarters for its namesake company. The building was designed by Paul Revere Williams, the noted African-American Architect. The building is located in the West Adams district of South Los Angeles about 3.5 miles southwest of Downtown Los Angeles and 2 miles northwest of Exposition Park and USC. This was the company's second building to bear this name, the first having been built in 1928. Founded in 1925 Golden State Mutual

neg: UAP Old Mutual Holdings group is UAP Insurance Kenya. The Group's origins in Kenya date back to the 1920s when Provincial Insurance Company of East Africa was incorporated as a subsidiary of Provincial Insurance Company, an insurance group based in London, United Kingdom. The 1994 merger of (UAP) of France and Provincial of the UK led to the formation of the UAP Insurance Company of Kenya. In 1996, the firm became part of AXA when AXA acquired UAP in France. AXA divested its shareholding in 2000 and the firm became a wholly owned Kenyan company. UAP Holdings expanded to Uganda in 2005, to South

neg: Gore Mutual Insurance Company Gore Mutual Insurance Company Gore Mutual Insurance is a Canadian Insurance company founded on June 18, 1839. Gore Mutual has two offices in Canada, the head office is located in Cambridge Ontario and a western office that is located in Vancouver, British Columbia. In 2014 Gore Mutual was voted #1 insurance provider in Ontario by The Insurance Brokers Association of Ontario (IBAO). After a failed attempt in 1837, Gore Mutual Insurance known at that time as ""The Gore District Mutual Fire Insurance Company"" was created by an unknown business man from Brantford on June 18, 1839 after rediscovering the subscription

neg: Physicians Mutual services. It holds over US$3 billion in assets and employs over one thousand people. Robert A. Reed is chief executive officer and president. Physicians Mutual Physicians Mutual is a privately held insurance company headquartered in Omaha, Nebraska, United States, that consists of Physicians Mutual Insurance Company and Physicians Life Insurance Company. Founded as Physicians Mutual Insurance Company in 1902 by Edwin E. Elliott, Physicians Mutual began by selling health insurance to medical professionals. Policies were offered to the general public starting in 1962, and by 1970 the company expanded into life insurance when it founded Physicians Life Insurance Company. Today