PO Box 308
Esko, MN 55733
218.879.3321 tel
218.879.7097 fax

Products

Commercial Insurance

Commercial Lines

Specializing in small to mid-size businesses, RAM offers a wide variety of coverages to meet your business needs. You have invested time and money into making your business a success, and RAM will work hard to give you the assurance that you are protected from a business loss. Read more about our Commercial Insurance Lines.
Personal Insurance

Personal Lines

Offering a wide variety of personal insurance products to fit your individual needs, insuring with RAM gives you peace of mind that your personal property is protected from personal loss. Our underwriting team strives to provide superior customer service to our agents and policyholders. Read more about our Personal Insurance Lines.
Reinsurance

Reinsurance

RAM was incorporated in 1931 as the result of a MAFMIC project with the purpose of providing reinsurance facilities and stability to the township mutuals of Minnesota. Our commitment to the mutual insurance concept is strong. As the needs of our member companies continue to arise, the RAM staff is dedicated to providing the best possible solutions and service available to respond to those needs. Read more about our Reinsurance Lines.
Equipment Breakdown

Equipment
Breakdown

As a home or farm dwelling owner, you depend on many types of mechanical and electrical equipment to provide convenience, comfort, and safety. Yet, these modern-day essentials are all subject to potential mechanical and electrical breakdown. With RAM's equipment breakdown coverage, your loss may be covered! Read more about our Equipment Breakdown Coverage.
Identity Theft Resources

Identity Theft Resources

Identity theft is a serious crime and no matter how careful you are, you may still be a victim. Recovery takes time and money to repair the damage to your name, credit, and finances. What would you do if you were a victim of identity theft? Read more about our Identity Theft Protection.
Payment Options

Payment Options

RAM offers several payment options to our insureds, allowing flexibility to meet each individuals needs. In addition to offering annual and monthly paper billing, we also offer RAM-PAY (EFT) as well as Check By Phone.