bbb-logoWelcome to Frederick Mutual Insurance Company. Our company has a long and successful history dating back to 1843. Throughout our 170+ years of business we have been committed to excellence as we serve our policyholders. I trust you will experience this quality of service as you interact with us in our 3rd century of operation as a property and casualty insurance carrier.

Frederick Mutual strives to provide our policyholders with “Peace of Mind” as they place their trust in us to provide protection for their insurance needs. We are committed to providing our policyholders and agents with the following “Pillars of Success”

Security in Your Time of Need
Unparalleled Customer Service
Corporate Integrity
Competitive Pricing
Ease of Doing Business
Superior Financial Strength
Sound Products

We have insurance products to meet the needs of our Personal and Commercial clients which are offered through a network of independent agents throughout Maryland and Pennsylvania. Our agents work closely with our staff to provide the “Peace of Mind” required by you, our policyholder, for your property and liability exposures in today’s complex world.

Frederick Mutual has a long history of financial strength. Our company consistently maintains a premium-to-surplus ratio that far exceeds industry standards. Frederick Mutual is rated A- (Excellent) by A.M. Best, the leader in insurance and financial rating. We feel it is our responsibility to grow a financially strong company for our policyholders and agents to ensure we are here in your time of need.

We are utilizing state of the art technology and improved business processes to increase efficiency and provide business continuity, which enables ease of doing business, competitive pricing, and enhanced customer service. We continually strive to stay on the cutting edge of technology in order to prosper in the 21st Century.

In addition to your needs, we are also committed to partnering with various organizations to assist those in need throughout the local, national and global communities. As one of Frederick’s oldest businesses, we feel it is our responsibility to be a “neighbor” to those with immediate needs or those less fortunate.

Frederick Mutual strives to be an insurance carrier that our policyholders and agents want to do business with. I trust you will find that we will endeavor to treat you with the utmost respect and professionalism.