Grinnell Mutual Reinsurance

We offer insurance products from Grinnell Mutual Reinsurance to customers in Springfield and the Miami Valley area.

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Since 1909, Grinnell Mutual Reinsurance has grown from a one-man office in Greenfield, Iowa, to successful business with a 700-person office located in Grinnell, Iowa. Over the past century, the company has stayed true to its commitment to provide outstanding personal service to its policyholders and their families.

Personal Insurance

Grinnell Mutual offers insurance coverage in a variety of areas, from automobile and homeowners, to business, recreational vehicles, and farm insurance.

Personal Automobile Insurance

Grinnell Mutual offers you choices to help determine just the right auto insurance plan for you when it comes to:

  • Liability property damage
  • Uninsured and underinsured motorists
  • Medical payments
  • Car damage (comprehensive and collision)
  • Travel Pac endorsement
  • Towing and labor costs
  • Auto loan/lease coverage

Grinnell Mutual also features an Elite driver program to get car insurance rates that reward your good driving record.

Watercraft Insurance

Grinnell Mutual has you covered when it comes to vehicle watercraft insurance. It provides recreational vehicle watercraft insurance without the hassle of purchasing separate policies for each. Grinnell Mutual also offers discounts for off-season rates.

Insurance coverages:

  • Bodily injury liability
  • Property damage liability
  • Uninsured and Underinsured watercraft
  • Medical payments
  • Physical damages

Land Based Recreational Vehicles

Protect your snowmobiles, motorcycles, scooters, golf carts, and all-terrain vehicles through Grinnell Mutual. Like its Watercraft Insurance, Grinnell Mutual offers discounts for off-season rates—so you aren’t paying more than you need to for your snowmobile all summer or golf cart through the winter months.

Insurance Coverages

  • Bodily injury liability
  • Property damage liability
  • Uninsured and underinsured motorists
  • Medical payments
  • Physical damages

Personal Homeowner’s Insurance

Whether you rent or own, Grinnell Mutual offers Home-Guard® insurance coverage to protect not only your mobile home or permanent dwelling, but all the important things inside, including special property coverage for those valuable items that mean the most to you.

Home-Guard Insurance Coverages

  • Personal liability (bodily injury, property, and medical payment)
  • Dwelling and other structures
  • Personal property
  • Additional living expenses

Renters Insurance Coverage

  • Liability
  • Personal property

Optional Coverages for Renters

  • Scheduled personal property
  • Replacement cost option
  • Additional coverage
  • Waterbed liability
  • Personal injury

Mobile Home Insurance Coverages

  • Personal liability (bodily injury, property, and medical payment)
  • Dwelling & other structures
  • Personal property
  • Additional living expenses

Personal Umbrella Insurance

Grinnell Mutual offers the extra liability coverage of umbrella insurance, to help protect you and your family’s financial future.

Umbrella Insurance

  • Offers additional limit of liability protection
  • From $1 million to $10 million available
  • Rates are determined by your properties and vehicles

Farm Insurance

Grinnell Mutual’s flexible Farm-Guard® policy is a great fit for any farm operation, large or small.

Commercial Agribusiness Coverage:

  • Dwelling
  • Personal Structures
  • Farm Buildings
  • Household Personal Property
  • Machinery
  • Equipment and Implements
  • Commercial Buildings
  • Business Personal Property
  • Inland Marine

Commercial Agribusiness coverage is available in Iowa, Illinois, Indiana, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin.

Optional Coverages for Building, Personal Property, or Machinery

  • Disruption of Farming Operations (Income Loss and Expenses)
  • Debris Removal Increased Limit
  • Spoilage – Perishable Farm Personal Property
  • Foreign Object in Machinery
  • Cab Glass
  • Equipment Breakdown

Optional Coverages for Liability

  • Custom Farming Liability Coverage
  • Custom Feeding Liability Coverage
  • Confined Livestock Care, Custody & Control Liability Coverage

Farm Liability

Farm-Guard Liability Coverage:

  • Bodily injury and property damage
  • Public liability
  • Employers’ liability
  • Medical payments
  • Pollution coverage

Premium Discounts

  • Owner occupied farm
  • Non-occupied farm
  • Country home discount
  • Livestock exclusion

Optional Coverages

  • Custom farming
  • Custom feeding
  • Residential rental property
  • Business activities
  • Hunting and fishing
  • Milk contamination
  • Contractual liability

Farm Property

FarMate® policies through Grinnell Mutual protect your home and household property as well as your farm buildings and farm personal property.

FarMate Coverages

  • Dwelling
  • Household personal property
  • Additional living expense/loss of rents
  • Farm building
  • Scheduled and unscheduled farm personal property
  • Optional coverages

Additional Coverages

  • Debris removal
  • Emergency removal of a property
  • Necessary repairs after a loss
  • Construction of new buildings
  • Equipment Breakdown
  • Farm implements coverage due to building collapse
  • Unharvested farm produce or grain

Optional Coverages

  • Comprehensive machinery coverage
  • Farm extra expense
  • Glass breakage – farm machinery
  • Leased or rented farm buildings
  • Peak season
  • Pollution clean-up and removal
  • Unmanned Aircraft System* (drone) coverage for precision agricultural operations (e.g. monitoring crops and livestock)

Farm Equipment Breakdown

Grinnell Mutual’s Farm Equipment Breakdown insurance offers piece of mind and will help with equipment repair or replacement, lost business income, perishable goods, and related expenses.

Equipment Breakdown Coverages

  • Electrical distribution systems
  • Boilers and pressure vessels
  • Heating, cooling systems
  • Refrigeration systems
  • Business computers
  • Deep well pumps and motors
  • Emergency generators
  • Grain dryers
  • Milking machines
  • Ventilation fans
  • Bulk milk storage tanks
  • Mechanized feed, waste, and egg handling equipment
  • GPS units
  • Heating, air conditioning, hot water heater, and major household appliances within the farm dwelling

Grinnell Mutual also offers Crop Hail insurance in some states.

Business Insurance

Grinnell Mutual understands that your business is your life’s work and created a number of tailored, customized business insurance coverages designed for the “unique needs of Main Street” for businesses including:

  • Agri-Commodities
  • Auto Garage and Repair Shops
  • Barber and Beauty Shop\
  • Commercial Property
  • Contractors
  • Convenience Stores
  • Florists
  • Funeral Homes
  • Golf Courses
  • Houses of Worship
  • Mini Warehouses
  • Multiple Family Residential
  • Photographers and Videographers
  • Restaurants and Pizzerias
  • Veterinarians

Commercial Insurance Package Policy Coverages include:

  • Property
  • Liability
  • Crime
  • Inland Marine

Safety Programs and Training

Grinnell Mutual is a valuable resource for your company’s safety and education training.

Safety Resources

Important resource information is available in a variety of formats:

  • House of Worship
  • Construction
  • Restaurant/Golf Course
  • Agricultural safety
  • Driving safety
  • Fleet safety
  • Fire safety
  • General Employee Safety issues
  • OSHA 10-Hour Safety Training for Construction and General Industry

Reinsurance

Grinnell Mutual’s flexible reinsurance programs include a wide range of options:

  • Occurrence coverage
  • Annual aggregate coverage
  • Catastrophe protection
  • Facultative reinsurance
  • Package coverages

File a Claim with Grinnell Mutual

(877) 467-2252
File Online

Pay Your Grinnel Mutual Bill

(800) 362-2041 ext 2455
Pay Online