About Us


Farmers Mutual Insurance Company was formed February 23, 1889, to meet the
insurance needs of  the people in the Fairmont area. At that time the big
insurers from out east were not interested in insuring property in the

The original articles of incorporation called to the corporation to exist for a period of 30
years and by resolution of amendment of the articles of incorporation dated
January 6, 1919, filed with the Minnesota Insurance Commissioner on January 24,
1919, the corporation's existence became perpetual. The articles of
incorporation were amended from time to time, including but limited to those
dated February 19, 1992, filed with the Minnesota Insurance Commissioner on
April 7, 1992, to amend Article I to further expand the geographic areas in
which the corporation could do business and to amend Article I to change the
name of the corporation to "Fairmont Farmers Mutual Insurance Company". The
company operated from that time until January 1, 2002, as a Township Mutual
under Minnesota Statute 67a.

On December 24, 2001, the company received a license to operate under Minnesota Statute 66a. Up
until this conversion Fairmont Farmers Mutual had only underwritten fire and
extended coverage. The company began underwriting the wind and hail peril on
January 1, 2002. This change to the operations of the company has had a
significant affect on and will continue to effect the financial statements of
the company.

Today, as in 1889, the company is controlled by a local board of directors, management and staff.
Fairmont Farmers Mutual has grown ever since. For more than 100 years, Fairmont
Farmers Mutual Insurance Company has remained financially sound, providing
stable rates and fair, prompt claim settlements.

As we go forward we will do our best to provide you the coverage you need at a competitive price.
Being your local mutual insurance company allows us to be large enough to serve
you and small enough to know you.