Protecting New England & New York for over 140 years

Fair weather in 2016 made for another profitable year, and allowed Union Mutual to focus our time and resources into systems enhancements and service improvements to continue to best serve our policyholders and independent agency partners. These actions reflect our ongoing commitment to providing our customers with a unique and exciting combination of top-notch personalized service with the speed and efficiency of online capabilities that are expected in today’s fast-moving world.

In 2016, we achieved record premium and record surplus for the third straight year and are extremely proud to celebrate the fourth consecutive year of a combined ratio under 100.  It is truly thanks to our team of talented and dedicated employees and the continued support of our independent agents that has allowed us to align our strategic initiatives and achieve this success.  As we look ahead, the aim remains to be a progressive, forward-thinking partner for our agents, while simultaneously being a profitable, financially stable Company for our present and future customers.

In addition to our financial success, our exceptional service level standards also reached new records in 2016. On the claims side, of the more than 6,000 policyholders who needed our assistance due to a loss last year, over 80% were handled by our in-house claims staff, expediting and personalizing the process for our insureds. On the underwriting side, nearly three-quarters of all new business and virtually all endorsements were processed almost immediately thanks in large part to the implementation of Straight Through Processing. This leading-edge functionality now allows our Customer Support Department and Quote Support Team to focus their attention on providing service second to none, one of the principles on which   the Company was founded.

As well as concentrating on providing superior service, we also made it safer for both our Company and our insureds to do business with increased and improved data compromise coverage. Union Mutual has been protecting our friends and neighbors with high-quality property and casualty insurance products for over 140 years and that rings true now more than ever as we navigate the ever-changing technology landscape.

Union Mutual earned its fourth straight Best Places to Work in Vermont honor, which is a testament to our tremendous staff whose teamwork, skill and enthusiasm create a challenging and rewarding work atmosphere. Our award-winning culture is best evidenced through our employees’ continued commitment to the greater New England and New York communities in which they live and we write business. Their countless volunteer hours and generous charitable giving reached new heights in 2016 and we are thrilled their efforts were once again recognized.

Thank you to all of our insureds, our independent agency partners and our loyal employees for your continued trust in our Companies and allowing us to help you Live Life Well Protected.


Michael W. Nobles

President & Chief Executive Officer