1 ) The sum of many parts creating a stronger whole
2 ) Having the same relationship to each other
3 ) The membership protects the member
4 ) Shared vision for the future
Proud
to be a Prairie company
Red River Mutual is a Prairie success story. We have protected families,
farms, and businesses on the Prairies for over 135 years. We are committed
to providing competitive insurance products and equitable claims service in
Manitoba and Saskatchewan.
Our History
Red River Mutual started as the Mennonite Insurance Organization. Formed in 1875,
its mandate was to help protect the interests of the Mennonite people who immigrated
to Western Canada from Russia in the early 1870’s.
These early immigrants settled on farms and hamlets that had no fire protection.
Stock insurance companies were reluctant to provide insurance on unprotected risks
and would charge very high premiums or decline to insure these risks altogether.
Seeing a need to share fire losses, the Mennonite people formed the Mennonite
Insurance Organization. Mennonite churches operated the organization until 1941
when it became incorporated as a mutual insurance company.
The company outgrew its head office building on 4th Avenue N.E. in Altona, Manitoba,
and established a new head office building on Centre Avenue in 1978.
Former Bergthaler Waisenamt building
located at what is now 48 Main Street,
Altona, Manitoba.
Values
of a Modern Mutual
Fortunately, insurance is readily available to most people today, but the core values
of ‘mutualism’ that formed Red River Mutual live on in the ‘Modern Mutual’.
1
Loss
Prevention
We define the ‘Modern Mutual’ as members
joining together to protect one another while
making a positive impact in their community.
We believe the best insurance policy is the one
that is never needed. That is why we invest in
educational tools and materials focused on
building safety awareness and best practices
for policyholders and the general public.
Visit preventingloss.com to learn more.
This commitment is demonstrated by our major
sponsorship of the Firefighters’ Burn Fund — Fire Safety
Trailer Program. This program provides interactive
fire safety trailers to fire departments across Manitoba
to teach young people about fire safety. To learn more
about the Firefighters’ Burn Fund Fire Safety Trailer Program
visit redrivermutual.com/community.
2
Community
Involvement
As a ‘Modern Mutual,’ we are
committed to allocating a portion of
profits to supporting the community.
Whether through major sponsorships,
corporate support for numerous
organizations, supporting staffinitiated charitable efforts, like the
Big Bike Ride for Heart and Stroke
to fundraising for local food banks
and The Empty Stocking Funds,
Red River Mutual is engaged in
the community.
Broker Benefits
Our company is represented by some of the finest insurance people in the
industry. We are committed to nurturing positive, enduring relationships
with our brokers. The broker network provides Red River Mutual and its
policyholders with unique benefits.
Benefit to the Policyholder
Benefit to Red River Mutual
For policyholders this means
personal accessibility.
Red River Mutual has a deep history
with our brokers.
One size does not fit all when it comes to insurance.
An independent insurance broker can help uncover
all of your insurance needs.
Brokers understand the communities they serve.
They offer us valuable insight into community
dynamics and regional needs.
Brokers live in the communities they serve. They
provide in-person access and advice. When you buy
insurance through a broker, you support employment
in your community. Most brokers are active community
supporters and make their cities and towns better
places to live.
They help us build and offer better products
for our mutual customers.
In the unfortunate event of a loss, a local broker can
assist you in working through the claim process.
It’s the difference between personal assistance and
dialing a 1-800 number.
Brokers provide frontline customer support.
It’s often brokers who initiate the claims process
on behalf of policyholders, providing customers
with vital direction before we contact them.
Brokers also act as industry advocates. Brokers
are organized and defend the insurance industry
from threats such as big banks selling generic
policies directly to consumers.
Ease of Doing Business
‘Ease of Doing Business’
isn’t a one-time project.
It’s a commitment
to continuous improvement.
We are committed to being an
efficient, flexible and fair company
to do business with. Whether
through claims service or policy
issuance, we strive to be the best
partners for our policyholders
and brokers.
Red River Mutual has made major
investments in technology to improve
outdated processes and to eliminate
bottlenecks. We implemented a
new core insurance management
system and moved to an electronic
document environment. The longterm value of these initiatives is
expected to be quite significant.
Making it easier to do business
with our company is a perennial
effort. We are building a ‘culture’
of continuous improvement that is
constantly on the lookout for how
to be better.
The Claims
Experience
We understand that an insurance policy is only as
good as the claims service you receive after a loss.
That is why Red River Mutual introduced the 2/2/2
Claims Commitment.
The 2/2/2 Claims Commitment
If you experience a loss, one of our Claims Specialists will:
Contact you within 2 hours of receiving the notice of claim
Make arrangements to visit you within 2 days of contact
Follow up within 2 weeks and stay in touch until your
claim is closed and paid
Our Commitment Includes:
A rapid response from a skilled Claims Specialist
A clear overview of the claims process prior to an inspection
Regular communication until the claim is complete
An equitable outcome
Our goal is
to get you
back to normal
as quickly
and smoothly
as possible.
Protection
Through
Prevention
Our Loss Prevention Program is designed first and foremost to protect people.
However, a by-product of loss prevention is lower premiums. The fewer losses
our policyholders incur, the more we can control premiums.
The Loss Prevention Program includes:
Distribution of home, farm and commercial safety information
Providing access to on-site safety evaluations
Direct support for volunteer firefighters to deliver community level fire prevention education
Online Resources
With the goal of making homes
and businesses safer places,
Red River Mutual offers in-depth
information and videos related
to loss prevention. To learn more
go to preventingloss.com.
Safety Product
Promotion
Loss Prevention
Safety Evaluations
Red River Mutual believes the
best insurance policy is the one
that is never needed. That is
why we make safety products
available to policyholders that
will aid in preventing a loss from
happening in the first place.
Our Loss Prevention Program
provides on-site safety
evaluations at no charge, as
a value added service for our
policyholders. Loss Prevention
Specialists are trained to identify
potential security, fire safety,
and liability hazard areas, and
recommend the repairs and
upgrades required to keep
your home or business safe
and operating smoothly.
Example – In 2012 we offered
superior washing machine hoses
to all policyholders at a discounted
price. For less than $50, a
policyholder can protect their
home from the potential damages
and frustration caused by
a hose bursting on their
washing machine.
We Protect
the Businesses
that Keep the Prairies Moving
Business is done a little differently on the Prairies.
We should know, we’re fortunate enough to live and
work here too. Red River Mutual commercial insurance
is designed specifically for Prairie businesses.
We’re serious about commercial lines. Over the last 18 months we have:
Doubled the size of our
commercial underwriting team
Introduced new commercial
‘package’ policies to provide
great coverage in a convenient
bundle
Introduced new commercial
wordings to broaden our overall
product scope
Expanded our risk appetite
Increased our line limits
Built stronger relationships
with commercial brokers
We continue to reshape
Red River Mutual into a leading
insurer of commercial insurance
on the Prairies.
On the Prairies, Farming
is Big Business
Red River Mutual has protected family farms
and commercial farms for many years.
We live in farm country — this
provides us the expertise to create
customized farm policies for any
size operation.
Whether a small mixed farm,
a livestock operation or large grain
and oilseed farm, Red River Mutual
has products for every type
of operator.
We have been a leader in
farm insurance in Manitoba
and Saskatchewan for many
years. We have made it a priority
to double our efforts to reaffirm
our position as the best option for
Prairie farmers and their evolving
commercial farm operations.
On the Prairies,
Farming is Big
Business
Product
Development
Extra
We are pleased to offer ‘Extra’,
an enhanced home insurance
policy designed for high-value
homeowners who take those
extra steps to avoid losses in
the first place.
‘Extra’ provides exceptional
protection and peace-of-mind.
Extra liability coverage
Extra coverage for
equipment breakdown
Extra sewer backup coverage
Extra coverage for yard equipment
Extra protection for your university
student living away from home
Plus many other extras
Home Equipment
Breakdown Coverage
Prairie Farms
Grain Package
It takes a lot of expensive
equipment to keep a home
running smoothly these days.
Red River Mutual’s comprehensive
Prairie Farms - Grain Package is
uniquely designed specifically
for the large grain farm operator.
Filling in the gaps left by the
traditional farm policy.
Heating and cooling systems
Audio and video components
Kitchen and laundry appliances
Pools and spas.
Sooner or later, something is going
to break down when you least
expect it. And chances are you
haven’t budgeted for repairs.
With Home Equipment Breakdown
Coverage, you don’t have to.
It protects you from costly
equipment repairs for less than
you think.
‘Your Own’
Commercial Packages
Pre-packaged commercial
policies provide leading protection
for contractors, offices, retail stores,
restaurants, apartment/condos
and churches.
Every Red River Mutual ‘Your Own’
commercial package includes an
additional bundle of more than
50 extensions that provide over
$1,000,000 in extra coverage to
meet your unique business needs.
This simple phrase is an invitation to our customers
and stakeholders to embrace the benefits of being
a Red River Mutual owner. If you aren’t already,
we invite you to be a part of it too.
redrivermutual.com
245 Centre Avenue East
Altona, Manitoba
R0G 0B0 / Canada
204.324.6434 P
1.800.370.2888 TF
204.324.1316 F
[email protected] E