Trusted Since 1931
In rural communities, trust isn’t built overnight; it’s earned over time. It’s built through handshakes, shared values, and standing by each other when it matters most.
That’s exactly how a mutual insurance company operates.
With RAM Mutual, you’re not just a policyholder, you’re a member. And that means every decision we make starts with one question: What’s best for the people we serve?
Personal Insurance
Protection that’s built around real lives, not just policies. Whether it’s your home, your farm, or the things you’ve worked hard for, we’re here to help you protect what matters most, today and for the future.
Commercial Insurance
Your business is more than a livelihood; it’s part of your community. We provide flexible, dependable coverage designed to support you through challenges and growth, so you can focus on what you do best.
Reinsurance
Mutuals are strongest when they stand together. Our reinsurance solutions provide the stability and partnership companies need to protect their members and plan confidently for what’s ahead.
Find a Local Agent You Can Trust
When it comes to protecting your farm, home, and livelihood, there’s no substitute for local expertise and personal relationships. You want someone who understands your way of life.
That’s the difference a local, independent agent brings.
That’s why we partner with independent agents across Minnesota and North Dakota who are part of the communities they serve. They understand the unique risks you face and are there when it matters; helping you navigate your options and make decisions you can feel good about.
24/7 Access With Our Policyholder App
Stay Connected to Your Coverage
With RAM’s mobile app, you can view your policy, make payments, update your account, and submit claims - all in one place, whenever you need it.
Download Our App
