# Rural Mutual Insurance Company

Rural Mutual Insurance Company is an Insurance based in Madison, United States.

## Overview

- **Organization type:** Insurance
- **Headquarters:** Madison, United States
- **Region:** North America
- **Address:** 1241 John Q Hammons Drive, Ste 200, Madison, WI 53717
- **Founded:** 1934
- **Assets under management:** Undisclosed
- **Website:** www.ruralmutual.com
- **LinkedIn:** https://www.linkedin.com/company/rural-mutual-insurance

## Regulatory record

- **Reports private funds:** No

## About

Rural Mutual Insurance provides dedicated insurance solutions. Join us in keeping Wisconsin strong with coverage for farms, families, and businesses.

## Sectors

- Real Estate
- Private Credit

## People

- Dan Merk — Executive Vice President and CEO

## Questions

### What is Rural Mutual's relationship with the Wisconsin Farm Bureau Federation?

Rural Mutual was founded by the Wisconsin Farm Bureau Federation in 1934 and remains an affiliate of the Bureau. The two organizations share common management and a board of directors, making the insurer structurally embedded in Wisconsin's agricultural sector beyond a typical endorsement deal.

### How does Rural Mutual invest its premium float?

The general account concentrates on Wisconsin-based assets: agricultural and commercial mortgages, municipal bonds from Midwestern issuers, and direct loans to farms and businesses. The firm also holds a corporate-owned life insurance portfolio. It does not invest in external private funds or make LP commitments.

### Does Rural Mutual write policies outside Wisconsin?

No. Rural Mutual underwrites exclusively within Wisconsin, a deliberate constraint tied to its founding charter and its interdependence with the state's Farm Bureau. Premiums collected in the state remain invested in Wisconsin assets.

### How is Rural Mutual governed?

Dan Merk serves as Executive Vice President and CEO. Governance is interlocked with the Wisconsin Farm Bureau Federation through a shared board, a structure that dates to the 1934 founding and gives the agricultural membership direct influence over the insurer's strategic posture.

### Does Rural Mutual reinsure its crop exposures?

Yes. Rural Mutual participates in crop-hail insurance pools to spread catastrophic weather risk. Nodak Insurance Company, a North Dakota-based farm mutual, is a known co-pool participant, though the full syndicate is not publicly detailed.

## Related profiles

- [Rural Bank](https://altss.com/profile/rural-bank)
- [Rural Ventures](https://altss.com/profile/rural-ventures)

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

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