Founded on Lasting Principles.

Company History

In the fall of 1934, a number of local mill and elevator operators met in Wapakoneta, Ohio to discuss founding a mutual insurance company. “Mutuals” were originated as a means for people with similar businesses to band together and combat high premiums or inadequate insurance coverages. In our case, these similar businesses consisted of grain elevators and feed or flour mills.

The Northwestern Ohio Mutual Protective Assessment Insurance Association of Wapakoneta, Ohio began providing insurance services in the spring of 1935. Over time, we have changed as a company:

1934 Company incorporated on December 17th

1935 Commenced business in Ohio on May 1st

1939 Became Elevators Mutual Insurance Association

1950 Relocation of office to Lima, OH

1971 Began selling our products through independent agents

1976 Moved to current Cable Road location

1976 Became Elevators Mutual Insurance Company

1984 Authorized to do business in Indiana on August 6th

1993 Expanded coverages to include casualty

1995 Expanded coverages to include commercial automobile

1995 Authorized to do business in Michigan on August 28th

2005 Became Affinity Mutual Insurance Company

Despite our internal changes, we have continuously maintained a mutual insurance philosophy, limiting the types of business that we will insure and being owned by our policyholders. This specialization has enabled us to become thoroughly aware of the insurance needs of your industry.

Today the majority of our sales are generated through independent agents, which provides you with the convenience of a local, familiar insurance professional and fast, reliable service. We can also provide coverage on a direct basis in areas where we do not have a contracted independent agent.

Committed to sound business practices.

Through the use of sound underwriting practices and comprehensive loss control services, Affinity has maintained an advantage that has permitted us to build an enviable history. We proudly possess one of the best industry records for stable, consistent pricing.

Our financial strength evaluation has been provided by A.M. Best Company, an independent industry rating bureau. We are further backed by a very strong reinsurance program.

Continually striving to be better.

In researching insurance coverage for your business, consider this:

Rate Stability
Affinity Mutual Insurance Company has provided insurance protection under the mutual concept since its inception. Our goal is to provide you with consistent, affordable and fair pricing.

Financial Stability
Formed in 1934, Affinity Mutual Insurance Company has always been a conservative company. This has allowed us to build a strong balance sheet that compares very favorably with the leading property and casualty insurance companies in the United States.

Reinsurance Program
Affinity Mutual Insurance Company combines careful risk selection with a well-structured reinsurance program. Prudent levels of reinsurance are purchased from quality reinsurers to guard against potential financial impacts from storms or other catastrophes.

Directors & Staff