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Mutual insurers have a highly successful history in the United States and enjoy a loyal following among their clients, who like the personal service and value they are able to provide. But the competitive landscape is fierce–and mutuals now face tremendous pressures to secure a sustainable future.

Unlike shareholder-owned companies, the mutual financing model restricts access to capital. So it is reasonable to question how these organizations can stay fit for the future in a fast-changing world.

There are hundreds of mutuals operating across the United States, with a high concentration in the Northeast and Midwest regions. They account for around half of the homeowners market and almost three-quarters of the farmowners market, supplying traditional property and casualty insurance products.

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