# Everett Cash Mutual Insurance

Everett Cash Mutual Insurance is a Mutual Insurance Company based in Everett, United States.

## Overview

- **Organization type:** Mutual Insurance Company
- **Headquarters:** Everett, United States
- **Region:** North America
- **Address:** Everett, PA, United States
- **Founded:** 1861
- **Assets under management:** Undisclosed
- **Website:** ecminc.com

## Regulatory record

- **Reports private funds:** No

## About

Everett Cash Mutual Insurance was founded in 1861 in Everett, Pennsylvania, as a mutual insurance company owned by its policyholders. The firm began as a local farmers' cooperative, designed to pool risk among agricultural producers in Bedford County. It has operated continuously for over 160 years under mutual ownership, with no outside shareholders. The company writes property and casualty insurance focused on rural and agricultural risks. Its product line includes auto insurance, farmowners policies, homeowners coverage, and commercial policies for agricultural businesses. Everett Cash Mutual distributes exclusively through a network of independent insurance agents across Pennsylvania. The firm maintains a conservative underwriting posture, with a stated commitment to "reasonably priced" coverage and claims service. As a mutual insurer, Everett Cash Mutual is governed by a board of directors elected by policyholders, and any underwriting profits are returned to policyholders as dividends or retained to bolster surplus. The firm has no publicly disclosed aggregate assets or annual premium volume, but Pennsylvania Insurance Department filings confirm it has operated continuously since the 19th century. The company is not a family office, asset manager, or investment vehicle. Everett Cash Mutual's structural differentiator is its mutual ownership model — the policyholders themselves own the company and elect its board. This structure aligns underwriting discipline with policyholder interests, rather than shareholder returns. The firm has no known investment portfolio beyond the reserves required to support its insurance liabilities, and it does not manage third-party capital or external assets.

## Sectors

- Insurance & Risk Management
- Agriculture

## Questions

### Who owns Everett Cash Mutual Insurance?

Everett Cash Mutual is a mutual insurance company, meaning it is owned by its policyholders rather than outside shareholders. Policyholders elect the board of directors and share in any underwriting profits through dividends or retained surplus.

### What types of insurance does Everett Cash Mutual offer?

The firm writes property and casualty insurance focused on rural and agricultural risks. Its product lines include auto insurance, farmowners policies, homeowners coverage, and commercial policies for agricultural businesses.

### Where does Everett Cash Mutual operate?

Everett Cash Mutual writes policies primarily in Pennsylvania, with a focus on rural and agricultural communities. It distributes coverage exclusively through a network of independent insurance agents.

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Last updated: 2026-06-03T20:00:00.000Z

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