Work From Home

MFM has been in a work from home environment since late 2006. As such, we expect no adverse impact on our quote turnaround, policy transaction issuance, and claims service. Please know that our entire MFM team stands ready to serve you while we participate in self-quarantine.

Travel Suspension

Even though we're a work from home company, we have several employees that do travel. MFM has suspended all travel by its Regional Marketing Managers as well as all policy inspections and non-essential claims field assessments. During this time, the health and safety of our employees, agents, and policyholders takes precedence. Our Regional Marketing Managers will continue to engage our agents by electronic means during this time and will be more available to provide quick quote turnaround. Our field claims personnel will assist our desk adjusters to provide quick claims service. Major claims like fire losses may still require us to dispatch our field claims staff. We intend to minimize that as much as we can and use social distancing protocol.

Business Income

This coverage is triggered when there is direct physical loss or damage at the insured premises caused by a covered cause of loss. If a civil authority prohibits access to an insured location because of direct physical damage to "another's property" from a covered cause of loss, the civil authority coverage may be triggered. HOWEVER, virus and bacteria are excluded causes of loss, and you'll find this to be true industrywide. As such, any loss of income due to general quarantine arising out of illness or suspected illness would not trigger the coverage.

Workers Compensation

As is always the case, the burden of proof is on the employee to prove that their contraction of the virus was work-related. There may be some industries where there is a presumption of work relatedness (health services and first responders). However, for the most part, the chances of coverage for employees in most industries is remote. States may differ in their interpretation of the work comp statute, but the general consensus is that communicable disease isn't occupational in nature and coverage is unlikely.

General Liability

COVID-19 allegations presented by 3rd party claims will be fully investigated and considered on a case by case basis. It's important to note that it would be VERY DIFFICULT to prove liability or negligence due to illness transmission during a global pandemic. Any and all allegations of bodily injury by third parties should continue to be referred to us for further investigation.

Electronic Access

A reminder that our policyholders can register and access their policy online. Simply go to www.midwestfamily.com and click on "Register." Policy information and ID Cards can be accessed within this portal and payments can also be made. Claims can be emailed to claims@midwestfamily.com. And our service center is available for general inquiries from 7am-6pm CST at 800-225-5636 ext 7077.

Potential New Exposures

As customers restrict their movements, many business models will be forced to temporarily change which may introduce new exposures and coverage requirements. For instance, restaurants are grappling with the loss of customer traffic by offering home delivery. Making sure they are properly covered with non-owned auto coverage is imperative. Agents should reach out to their marketing manager or underwriter for coverage options. We will be very flexible with these options at this time.

Payment Flexibility

Midwest Family Mutual will continue to offer flexible payment plans to any and all customers. Those options include quarterly and monthly payment options. EFT and credit card options are also options. Please work with your Independent Agent on a plan that works best for you.

In the meantime, stay safe and thank you for your business.

Aaron W. Boyd, MBA, CPCU, CIC
Executive VP & COO

Midwest Family Insurance Group comprised of Midwest Family Mutual and its wholly owned subsidiary Midwest Family Advantage has announced its financial results for the fiscal year ending on December 31st, 2019. Following are some of the highlights:

- The Combined Ratio for Midwest Family was 93.7.

- The Group ended with direct written premium of $194.8M up 13.3% from $171.9M in 2018.

- Total Company Assets as of December 31st,...

This past year, Midwest Family Mutual was able to record its seventh consecutive year of profitable results while demonstrating superior growth. Our written premium for both MFM and its wholly owned subsidiary Midwest Family Advantage grew by 12.9% in 2019 to another record of $194.8M of written premium. With this kind of momentum, we're on the cusp of writing well over $200M in 2020.

Our 2019 combined ratio is estimated...

Midwest Family Mutual Insurance Company (MFM) is now actively writing commercial lines of business in the state of Washington. This will serve as our 21st state, up from a 7 state regional carrier in 2008 when we started this extraordinary expansion effort. In the state of Washington, we will look to build our presence quickly. In the 1st quarter of 2018, we hired Andy Dickerson, an experienced marketing manager with...

Midwest Family Mutual Insurance Company (MFM) is proud to announce that it has achieved a Financial Size of FSVIII (Size 8). A Financial Size Category of VIII (Size 8) is provided to insurance companies carrying a surplus of $100M to $250M. With a reported surplus of just over $102M on June 30, 2019, AM Best upgraded the company's financial size.

Despite significant storm activity in the 3rd quarter, we were...