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Mutual insurance companies are owned by their policyholders and cannot raise capital with the sale of stock. Mutual companies must save reserves for policyholder protection with more conservative financial practices. This ultimately means mutual companies take less risk with the premiums you pay for your insurance.
The unique structure of a mutual insurance company allows their goals to be created with a long term view in mind. They measure the achievement of those goals by policyholder value, as opposed to public companies whose ultimate objective is to provide shareholder value.
Our history proves that our mutual insurance model is best. We have been faithfully handling insurance in Michigan since 1908 and have continued to grow because of the respect we have earned with our policyholders. The same financial cautions and transparency we have used for ages past will continue to give our policyholders assurance that they will be protected long into the future. That’s why Pioneer State Mutual Insurance company is truly “insurance, the way it should be.”
Pioneer State Mutual Insurance Company has always distributed our products through the “Independent Agent Model.” Independent Agent means they offer / sell insurance products for more than one company. We believe in the Independent Agent Model because it gives a policyholder a personal consultant and a choice of companies to place their business with. The agents we choose to do business with are qualified Michigan residents living in your community and will offer you valuable risk management advice regarding all of your coverage needs.
If an incident does occur and you need to file a claim, our agents work closely with the Pioneer State Mutual Claims Department to make sure your needs are met to the fullest extent. Our claims staff, customer service personnel and agents are local, Michigan residents who are easily accessible when you need it the most.
Independent agents are there for those that recognize the value of a personal contact and to make sure your insurance experience is the best possible. That’s why Pioneer State Mutual Insurance chooses to continue this model and provide our policyholders with the maximum attention they deserve.
Pioneer State Mutual Insurance Company celebrated its centennial in 2008. During the last one-hundred plus years, we have made our mark both in the insurance industry and in our community. Check out the timeline on our History page to see where we’ve been, how we’ve changed and how we’ve held tightly to the principles that inspired a group of farmers to form this company for the benefit of their community.
Copyright © 2017-2018 Pioneer State Mutual Insurance Co. All Rights Reserved
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PIONEER uses reasonable efforts to assure the accuracy of the information on this website or app and periodically updates the information. However, PIONEER disclaims any responsibility to update this website or app to reflect events or circumstances occurring after the original posting. PIONEER provides this website or app on an "as is" and "as available" basis, takes no responsibility for the timeliness, accuracy, or applicability of the information, and disclaims all warranties, express or implied. PIONEER does not represent that the functions or operation of this site or app will be uninterrupted or error-free, that defects will be corrected, or that this site or app, its servers, or any emails sent from PIONEER are free of viruses or other harmful components. PIONEER will not be liable to you for any damages whatsoever that result from (a) your use of or your inability to use this website or app or any content found on this website or app or (b) the unauthorized access to or alteration of your transmissions or data. PIONEER also assumes no responsibility and shall not be liable for any damages to your computer equipment or other property caused by any virus as a result of your access to or the downloading of any materials from this website or app.
PIONEER Insurance Products and Services
The information and materials provided on this website or app are intended for general reference only. They do not describe all of the terms, conditions, and exceptions applicable to PIONEER's insurance products and services. All insurance coverage is subject to the terms and conditions contained in the insurance policies issued. Insurance product availability and coverage terms and conditions may vary based upon your individual circumstances and on the state laws of the jurisdiction in which you reside. The products and services offered on this website or app are only available in jurisdictions where PIONEER has a certificate of authority to write insurance.
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PIONEER may block access to its online services without prior notice to you if it believes your password is being used by someone other than you or if any unauthorized access to your personal information has occurred.
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PIONEER does not knowingly permit anyone to post materials on this site where such posting would violate copyright or other applicable law, including the Digital Millennium Copyright Act (“DMCA”) (including 17 USC § 512).
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PIONEER or our hosting provider may collect traffic information from visitors for statistical analysis and site improvement. When you access this site, PIONEER or our hosting provider may collect information about your visit in a log file on a server. Log file information may include, but is not limited to, internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks. PIONEER or our hosting provider may use this information to analyze trends, administer sites, track users' movements in the aggregate, and gather demographic information for aggregate use.
Last Updated: June 16th, 2016.