Shelter Insurance Companies

InsuranceMissouri, United States1001-5000 Employees

Shelter Insurance Companies is a mutual property and casualty insurer based in Columbia, Missouri. It provides auto and home coverage in addition to a broad range of personal and commercial lines, including life, renters, motorcycle, RV, ATV, boat, umbrella, personal articles/inland marine, farm, and business insurance. Products are distributed through a network of licensed agents across 14 states, and the company is owned by policyholders and governed by a Board of Directors, reflecting a not-for-profit ownership structure focused on service and steady performance.

Founded in 1946 as MFA Mutual Insurance in Missouri, the organization expanded over time to operate in 21 states and to include several affiliated entities, such as Shelter Life Insurance Company, Shelter Reinsurance, and AmShield Insurance. It sits within the property-casualty insurance sector and has consistently earned high ratings from A.M. Best for financial strength and operating performance. In 2024, Shelter Mutual Insurance Company entered a relationship with Guidewire Software to transform its business operations.

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