GROW
GR
DIVERSIFY
BUILD
Grange Insurance
2011 Annual Report
A Message from
Tom Welch, President & CEO
In 2011, we at Grange Insurance embarked on an ambitious journey, a five-year strategic plan that can be simplified into
three goals: Grow, Diversify and Build. A $1 billion financially strong company rated “A” (Excellent) by A.M. Best, Grange is
positioned to become a bigger, stronger and more financially diverse organization that offers more opportunities for its
Independent Agents. This annual report outlines the sophisticated products, excellent service and business-winning
support we’re delivering so our agents can be superheroes for their customers and grow their agencies with Grange.
Grow
Our primary objective is to grow revenue and balance the mix of our existing business. In Personal Lines, that means
generating steady, profitable growth with enhanced versions of our PinPoint Auto® product. In addition, our new
GrangeOne® product features more sophisticated rating and a new incentive program, Grange Bucks, to drive new
business production.
In Commercial Lines and Grange Life, that translates into bold, profitable growth. There is significant opportunity for
Grange to be a larger competitor in the commercial lines marketplace, which is dominated by Independent Agents. We’re
making meaningful investments in Commercial Lines and working diligently to deliver an improved Businessowners Policy
(BOP) product and technology to help our agents increase their commercial books with us. In Grange Life, a new No-Lapse
Guarantee Universal Life product and re-pricing of our Term Life products will help boost our new business.
As a company that distributes its products exclusively through Independent Agents, we know it will take a much more
tailored approach to deliver the kind of products, services and sales support that agents need to ambitiously grow with
us. We’ll continue to optimize our agent relationships and align our resources with agents’ unique needs to enable their
growth. We’ll also invest in our associates to help develop their expertise so they can provide agents and policyholders
with the best possible service, and as a result, help achieve our corporate objectives.
Diversify
In addition to organically growing our existing business, we’re aggressively, yet thoroughly vetting companies to
affiliate with or acquire. We’re pursuing options that will complement our current business model. The end state will
be a more diverse and profitable company with a better spread of risk and more opportunities for agents.
Build
Grange has a terrific financial foundation and solid agency relationships on which to build. We’ll continue to create
efficiencies in our business that deliver improved service and savings. We’ll also work to better understand our policyholders’ changing needs and equip our agents with the products and services to meet those needs. The result will be a
Grange that’s more competitive in the long-term.
We’re fully committed to Independent Agents, and we’re very optimistic about the opportunities that exist for our
company and our network of 3,000 agencies. Our focus, as always, lies in translating opportunity into achievement and
helping more and more consumers choose Grange Insurance to protect what matters most.
As we head into 2012, I would like to thank Mick Parrott for his nearly three decades of service as a member of our
Board, including serving as Chairman since 2007. Mick has been a true champion of our company, providing leadership
and guidance that have aided in our rise from a mid-size carrier to a super-regional competitor.
I would also like to thank those of you who are part of the Grange team. We appreciate your service and
commitment to our company and look forward to continued growth and success with you.
Thomas H. Welch
President & CEO
PROFILE
‘Lightning-Fast’ Claims Response Wows Agent
Superman might be faster than a speeding bullet, but he has nothing on Stephani
Payton, Jonathan Bell and Robert Old. After a policyholder in the Murfreesboro,
Tennessee-area reported damage to his vehicles from a hailstorm, the trio of claims
representatives teamed up to deliver service that was even speedier than what
Clark Kent could swoop in and provide.
The policyholder reported the damage at 5:15 p.m. on October 18 to Stephani, who
then assigned the claim to Jonathan. He contacted the policyholder by 5:36 p.m. to
confirm the facts of the loss and gather additional information. Next, Robert was on
the scene by 8:24 a.m. on Wednesday, October 19 to inspect the vehicles and assess
the damage, and by 11:10 a.m. that same day, the inspection was complete and
the policyholder had a check in hand for the damages.
Not only was the policyholder pleased, but so was his agent, Mike Gentry of Miller
Loughry Beach.
“Thanks for the lightning fast service on this claim,” Mike wrote. “This is when you
and I are needed the most, and you stepped up and practiced Ease of Doing
Business®. Thanks so much for your help. You are the best!”
GROW. DIVERSIFY. BUILD.
The scene: A fiercely competitive
insurance market
Our heroes: Independent Agents,
swift and adept at finding the best
insurance coverage to meet their
customers’ needs
Their mission: To help individuals,
families and business owners
protect their most important
assets while profitably growing
their agency’s business
At their side: Grange Insurance,
a financially strong and stable
company with 1,350 associates
dedicated to aiding their
independent agent partners’
growth, diversifying their
business for opportunity and
building a better economic engine
for continued achievement
Positioning for growth
like never before
Being a super Independent Agent does not require superhuman
strength or mind-reading capabilities – although those skills might
come in handy – but it does take a trio of equally exceptional
products, services and sales support to empower one for success. As
a company dedicated to offering its products exclusively through
Independent Agents, Grange was focused in 2011 on delivering the
tools that set our agents apart and generate the steady personal lines
growth and the bold commercial and life growth we seek to achieve
with them.
Winning, retaining business in local markets with dedicated State Market Teams –
September 2011 marked Grange’s first full year of holistically managing its business
at the state level. Coalitions of associates from various departments throughout
the company joined forces to identify and seize unique opportunities to help agents
profitably grow and retain business with us. In Ohio, for example, we introduced
new products, made changes to existing products, provided new agent marketing
resources and offered incentives to reward their success.
Optimizing agency relationships – What would it take for Grange to be the best
carrier for our agents? For some agencies, underwriting is the most critical. For
others, it’s marketing support to attract new customers. In 2011, we started to
identify the touch points that are most important to our agents and their
customers. Based on the similarities that exist, we’ll work to differentiate all
that we offer so agents can achieve their potential with us.
Enhancing our agency benefits program to reward for profitable growth – Our
revamped Agency Benefits program offers bigger, better and bolder rewards for
agencies that profitably grow their businesses with us. In 2012, Inner Circle agencies
and Senior Partners will receive generous co-op advertising, business development
and community rewards allowances that can be used to promote their agencies,
invest back into their business and support non-profit organizations in
their communities.
“Because of Lynn Wegmann and Christopher Snow and especially Tony
Carson, I have been and will continue to take every opportunity to
encourage people to reconsider their choice of insurance companies
since I cannot imagine anyone being treated more promptly, more
fairly and with greater decorum than I have been treated by Grange.”
Emidio and Cathy Rapone
Policyholders
Fort Wayne, IN
Personal Lines
Battling severe weather’s threat to property, profitability –
Mother Nature continues to challenge Grange’s, and our
competitors’, Homeowners books with increasingly frequent,
severe weather. Though we can neither predict nor control
Mother Nature, we have been working to lessen her impact
on the profitability of our Homeowners book. In 2011 we
launched a Renters cross-sell tool for auto quotes,
educational materials that explain the savings increased
deductibles provide and a Quote Options tool that helps
agents counsel their customers on the best coverage for
their homeowners’ budgets.
Unveiling new weapons to boost competitiveness –
The fight for more customers is intensely competitive. To
give us an edge and help agents attract new business to their
doors, we enhanced our auto and home products, which
feature sophisticated rating and generous discounts, and we
improved the billing options of our standard auto product.
Increasing quotes, sales with extra incentives –
Thanks to a new incentive program, agents earned additional
rewards for select Personal Lines policies they quoted and
wrote with Grange, generating an uptick of new business
production for the company and its agencies.
Coming Soon: Grange will offer agents more product
features, services and incentives for increasing their
Personal Lines book with the company.
Commercial Lines
Planning, investing for
transformational growth – In 2011,
much of our efforts in Commercial
Lines were spent positioning the
business unit, and Grange, for
future growth with Independent
Agents. We’ve identified gaps in our
operations that we’ll work to fill,
and we’ve invested heavily in the
redesign and automation of our
Businessowners Policy (BOP) product.
Scheduled for release in 2012, the
new BOP will offer agents a more
competitive, easier-to-write product
for their small business clients.
Realigning underwriting team for
tailored support – Understanding
that different types of commercial
producers require different
underwriting support, we
restructured our underwriting
organization to customize the
services we provide and maximize
the success of our agents.
Attracting larger accounts – Included
in our ambitious plans for growth is
a focus on increasing the size of the
commercial accounts our agents write
with us. This past year we continued
to hire more field underwriters
dedicated to serving agents who
annually write significant amounts
of new commercial premium. We also
developed new sales and marketing
materials for our XPanded Premier®
Policy and redesigned our Optimum
endorsements for our Commercial
Package Policy to help field underwriters and agents achieve their
premium goals.
Coming Soon: Grange will offer its
commercial agents more tools for
growth in 2012. Agents not only
will have a new BOP product and
technology to quote and write it,
but they’ll also have additional
resources to land larger package
business with us.
Grange Life
Propelling life production to new heights with versatile new product – In November, we unveiled our No-Lapse
Guarantee (NLG) UL product, which offers permanent, guaranteed life insurance at a cost that’s closer to term rates. The
power of this niche product lies in its ability to provide several uses – from income replacement and wealth transfer to
estate planning and coverage of long-term care expenses. NLG gives our agents and us the ability to better compete in
the whole or universal life market and gives customers the opportunity to customize their life insurance to meet their
specific needs. And with our SureTrack feature, we guarantee that clients will be notified when they’re off track from
their intended guarantee – something few competitors can do.
Reorganizing sales team to maximize agents’ success – To ensure our agents receive the sales support their business
model requires, we restructured our team of Life Sales Specialists so they could focus on helping agents sell more
complex accounts and added a sales desk of internal wholesalers to provide swift, everyday sales support and
case design.
Issuing policies in a flash with enhanced tele-underwriting – Agents and clients needing policies issued faster can have
it thanks to enhancements that we made to our Xpress Underwriting service. With just a few questions required to get
started, the process can be completed by paper or electronically – without a physical signature – adding flexibility for
busy clients and agents. And with a third-party vendor collecting the medical information from clients on behalf of their
agents and scheduling the paramed exams, the process from application to issuance is faster.
Coming Soon: We’ve started the new year with a bang by introducing more competitive term product rates. We’ll also
continue to offer more NLG training to help agents maximize their sales opportunities.
Gross Individual Life Premiums
($ millions)
46.3
38.5
30
33.4
40
40.6
66.6
65.0
59.0
54.6
50
50.2
60
62.7
70
20
10
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
Diversifying our
business for
opportunity
For Grange and its agents, opportunity lies in the company’s ability
to diversify its revenue. By acquiring or affiliating with other
organizations, Grange can expand its reach, spread its risk and
form alliances that offer new options for agents to grow
their businesses.
Integrity DWP
Leveraging affiliation for continued mutual
achievement – For a decade, Grange and its affiliate,
Integrity Insurance, have enjoyed a successful
partnership. Based in Appleton, Wisconsin, Integrity
partners with Independent Agents to offer commercial,
personal and Grange Life insurance to consumers in
Iowa, Minnesota and Wisconsin. The affiliation has
enabled Grange to expand its geographic footprint and
risk, and enabled Integrity to take advantage of the
product, technological and financial benefits that the
partnership provides.
In 2011, associates continued their efforts to ensure
Integrity is its agents’ partner of choice, focusing on
opportunities to distinguish the carrier from its peers through its commitment to service, trust and relationships. In
support of Ease of Doing Business®, the company established new services standards, updated its billing system and
provided policyholders with the ability to view their policies, pay their premium and track their claims online through
IntegrityInsurance.com.
Like Grange, Integrity took steps to manage the weather’s effect on its Homeowners product by making underwriting
changes, promoting coverage options that reduce rates and adding a Renters cross-sell option in GAINWeb® for select
Auto quotes. Integrity also introduced its personal non-standard/standard auto product, Passport Auto®, to Iowa
agents. The new product features billing enhancements that also were made to the Minnesota and Wisconsin versions
introduced last year.
On the Commercial Lines side of its business, the company updated its Commercial Auto product and quoting technology,
while it enhanced the Optimum Endorsements that are available with its Xpanded Premier® Policy product, giving
policyholders more flexibility in how they can apply coverages after a loss. A strategic focus for Integrity in 2012 is
to “redefine partnership,” which the company believes will set the industry standard for independent agency/carrier
partnerships. For instance, by working with agents to explore commercial program and association opportunities,
Integrity will customize coverages that align with requirements for a specific class of business. This provides agents
with a unique competitive edge in those markets.
In 2012, associates will continue their progress on making underwriting and expense improvements that will allow for
investments back into the business.
Pursuing complementary prospects for affiliation, acquisition – During the past year, Grange identified criteria for
companies we would consider affiliating with or acquiring, and initiated a prudent search for potential partners. Our
goal is to supplement our current business model with organizations that will enhance our product offerings and
geographic footprint and enable our growth in a manner that we cannot achieve organically.
“…When I arrived at the scene, autos were being towed out of approximately
3 to 4 feet of water. It was a mess. I am delighted to report to you that Team
Grange was with our agency and the client every step of the way forward.
From the first to the final contact with our agency and the client, Team
Grange did a terrific job.”
Chris Ramsburg
President, Ramsburg Insurance
Uniontown, OH
PROFILE
Service Center Slated to Help Agents
Climb New Business Heights
Having a trusted partner that allows you to focus on winning new
business can go a long way in helping your agency grow. That’s the
premise behind Grange’s new Service Center.
Developed in 2011, the Service Center offers a team of licensed account
nt
executives who started serving the needs of five pilot agencies’
Personal Lines customers in February 2012. These account executives
will field policyholders’ inquiries and manage customer coverage,
billing and claims requests on behalf of the participating agencies.
This will help free up valuable time that the participating agencies
can use to focus on generating new business with Grange.
Upon successful completion of the Service Center pilot , the feebased program will be introduced to qualifying agencies in the third
quarter of 2012. “We’re excited about the opportunities that the
Service Center will offer,” said Mike Buzek, Vice President of Customerr
Experience. “Not only will it give our top-producing agencies more
time to do what they do best, but it will also help our agents deliver an
outstanding customer experience and make Grange more competitive.”
e.”
Building on a history
of financial strength,
philanthropic service
Since 1935, Grange has been a strong and stable ally for the agents, policyholders and
communities we serve. To increase our financial strength, we continued to better understand and meet the needs of our agents and policyholders and operate our business with
maximum efficiency in 2011. We also continued to support superheroes in the Central Ohio
community and expanded our philanthropic giving to other communities our agents serve.
Providing superior service that wins business – When they choose Grange as their insurance provider, what
consumers are really doing is purchasing a promise that Grange will be there for them in their time of need. The
post-claims surveys we conduct, and unsolicited letters we receive, demonstrate that when their time of need
comes, our customers consistently receive claims services that allows them to get their lives back to normal –
often quicker than what their neighbors experience with other carriers. That’s service that satisfies customers,
differentiates Grange from its competitors and wins business for our agents.
Responding to agents’ and consumers’ needs – In late 2011, we completed the first full year of our Voice of
the Customer program. An agent and consumer survey initiative, the program is helping us track our service
performance and keep a pulse of agents’ and policyholders’ ever-evolving needs. The results of the surveys
shape our claims service, product offering, sales support and more.
Achieving operational excellence – At Grange, we’ve always been focused on gaining efficiencies, but in 2011,
we recommitted ourselves to finding ways to work smarter and with fewer resources. Why? Because the costs of
doing business are reflected in our policyholders’ premium, and if we can be more efficient in our operations, that
translates into more competitive rates, faster service and a financially stronger company for our agents and
policyholders.
Expanding our philanthropic support to agents’ local communities – In 2011, we continued our tradition of
supporting a variety of community partners in their efforts to improve the lives of our neighbors. In 2012, we’re
introducing a new program, Community Rewards, to provide financial support to qualifying non-profits on
behalf of Grange’s top-performing agents.
“Kudos to the Grange Claims Department handling the recent hail/severe
storms claims for the Knoxville, Tennessee-area. You have made this awful
experience so much easier for us to handle. I have received several phone
calls (from customers) thanking us for the way things have been handled
and saying because of the promptness and kindness of the Grange adjusters, it has made a very difficult situation much easier to get through.”
Lana Younger
Personal Lines Service Agent
The Assurance Center
Knoxville, TN
A Message from
Michael Parrott, Chairman of the Board
Since 1935, Grange Insurance has been partnering with
Independent Agents to protect individuals’, families’
and businesses’ most valuable assets. I’ve had the
honor and privilege to be a part of the Grange family,
serving as a member of the company’s Board of
Directors for the past 28 years and as its Chairman
for the past five.
Throughout 2011, my final year as Board Chair, I’ve
been reflecting on the transformation of Grange since
I first joined the Board in 1984. Back then, our company
was a $175 million mid-size provider with 650 independent agents serving policyholders in five states. Today,
it’s a $1.1 billion super-regional carrier joining with
nearly 3,000 independent agents to protect what
matters most to customers in 13 states.
It’s been a pleasure to be a part of several of Grange’s
key achievements, including the establishment of
our Agents Advisory Council (now the Agent Advisory
Board) in 1984; the commitment to making Grange
the company that agents identify as the “easiest to
do business with” starting in 1999; the affiliation with
Integrity Mutual Insurance Company in 2002; and the
expansion of the Columbus headquarters, the unveiling of the new corporate rebranding and the opening
of the Grange Insurance Audubon Center – all in 2009.
While the accomplishments and proud moments are
many, what I’m most thankful for and will miss the
most are the people who made all of them possible. Thank
you to each and every associate for building a strong and
stable company and improving the communities and the
lives of the neighbors we serve. Thank you to our agents for
your dedication to Grange, for recommending our products and services and contributing to the success of this
organization. Thank you to our policyholders for trusting
your business to Grange. It’s an honor to serve you, your
families and your businesses. Thank you to my fellow board
members for your teamwork in ensuring Grange remains
a strong and viable competitor in the marketplace. I also
congratulate my colleague, Phil Stichter, on his retirement
from the Board this year as well. It’s been a joy to work with
all of you.
As I pass the torch to my successor, David Wetmore, I hold
the same belief as when I joined the company, “All in all,
Grange’s best days lie ahead.” The future of this organization looks just as promising as it did in 1984. Our leadership
team is strong, associates are committed, Independent
Agents are focused on serving their customers’ needs, and
there is a strategic plan in place for Grange’s long-term
profitability and financial strength. I wish each and every
member of the Grange family continued success in maintaining Grange Insurance’s long history of strength,
stability and superior service.
Michael V. Parrott
Chairman of the Board
Grange Mutual Casualty Group
Financial Report
Balance Sheet — December 31, 2011
Assets
Cash and Short-Term Investments......................................................................................................................................... $ 23,849,401
Bonds (at amortized cost)........................................................................................................................................................... 1,120,900,370
Stocks (at market)............................................................................................................................................................................. 270,116,173
Mortgage Loans on Real Estate........................................................................................................................................................ 5,761,666
Real Estate (at cost less accumulated
depreciation and encumbrances)................................................................................................................................129,430,786
Electronic Data Processing Equipment
(at cost less accumulated depreciation)........................................................................................................................ 6,766,801
Other Invested Assets........................................................................................................................................................................52,079,908
Securities Lending Reinvested Collateral Assets......................................................................................................................57,082,094
Premiums in Course of Collection Net....................................................................................................................................... 183,536,248
Accrued Investment Income............................................................................................................................................................12,954,791
Federal Income Tax Receivable......................................................................................................................................................... 1,900,110
Net Deferred Tax Asset...................................................................................................................................................................... 33,249,857
Other Miscellaneous Assets............................................................................................................................................................ 14,816,958
Total Assets....................................................................................................................................................................................$1,912,445,163
Liabilities and Policyholders’ Surplus
Unearned Premiums...................................................................................................................................................................$ 390,877,310
Reserve for Losses............................................................................................................................................................................ 394,681,708
Reserve for Loss Adjustment Expense....................................................................................................................................... 112,946,367
Reserve for Checks Written Off.........................................................................................................................................................1,653,688
Payable for Securities Lending....................................................................................................................................................... 57,082,094
Other Liabilities................................................................................................................................................................................... 80,737,656
Total Liabilities............................................................................................................................................................................... 1,037,978,823
Policyholders’ Surplus.....................................................................................................................................................................874,466,340
Total Liabilities and Policyholders’ Surplus........................................................................................................................$1,912,445,163
Statement of Income and Surplus 2011
Premiums Earned........................................................................................................................................................................ $1,043,499,026
Claims and Claim Adjustment Expense Incurred................................................................................................................. 735,597,730
Other Underwriting Expenses Incurred.................................................................................................................................. 326,151,208
Net Underwriting Loss................................................................................................................................................................... (18,249,912)
Net Investment Gain.......................................................................................................................................................................... 42,236,063
Other Income Less Other Expense.................................................................................................................................................20,787,232
Dividends to Policyholders............................................................................................................................................................... (3,053,799)
Income Before Federal Income Taxes.......................................................................................................................................... 41,719,584
Federal Income Taxes Incurred......................................................................................................................................................... 3,208,330
Net Income.....................................................................................................................................................................................$ 38,511,254
Other Surplus Changes.................................................................................................................................................................... (14,544,493)
Change in Policyholders’ Surplus.................................................................................................................................................. 23,966,761
Policyholders’ Surplus — January 1............................................................................................................................................ 850,499,579
Policyholders’ Surplus—December 31................................................................................................................................. $ 874,466,340
Grange Life
Financial Report
Balance Sheet — December 31, 2011
Assets
Cash and Short-Term Investments....................................................................................................................................... $ 11,880,393
Bonds (at amortized cost)......................................................................................................................................................... 238,825,943
Premiums Due and Uncollected................................................................................................................................................ 30,103,045
Policy Loans....................................................................................................................................................................................... 9,511,277
Securities Lending Reinvested Collateral Assets................................................................................................................. 10,716,522
Amounts Due from Reinsurers..................................................................................................................................................... 8,326,939
Accrued Investment Income......................................................................................................................................................... 2,614,541
Federal Income Tax Receivable....................................................................................................................................................... 188,762
Net Deferred Tax Asset................................................................................................................................................................... 4,341,949
Other Miscellaneous Assets............................................................................................................................................................... 41,149
Total Assets.................................................................................................................................................................................. $316,550,520
Liabilities, Capital and Surplus
Aggregate Policy Reserves...................................................................................................................................................... $246,923,632
Claims Payable.................................................................................................................................................................................. 2,986,707
Dividends Payable to Policyholders.............................................................................................................................................. 53,469
General Expenses Payable.............................................................................................................................................................3,232,783
Reinsurance Premiums Due.......................................................................................................................................................... 2,134,375
Securities Valuation Reserve........................................................................................................................................................ 1,236,649
Payable for Securities Lending.................................................................................................................................................. 10,716,522
Other Liabilities................................................................................................................................................................................ 6,889,396
Total Liabilities............................................................................................................................................................................. 274,173,533
Total Capital and Surplus.............................................................................................................................................................42,376,987
Total Liabilities, Capital and Surplus................................................................................................................................... $316,550,520
Statement of Income and Surplus 2011
Premium Income........................................................................................................................................................................ $ 47,874,108
Net Investment Income................................................................................................................................................................12,744,092
Benefits Paid to Policyholders................................................................................................................................................... 44,175,493
Operating Expenses...................................................................................................................................................................... 12,982,434
Net Gain from Operations............................................................................................................................................................. 3,460,273
Dividends to Policyholders...............................................................................................................................................................178,222
Income before Federal Income Taxes...................................................................................................................................... 3,282,051
Federal Income Taxes Incurred....................................................................................................................................................... 854,727
Net Gain from Operations after
Dividends to Policyholders & Federal Income Taxes............................................................................................ 2,427,324
Net Realized Capital Loss................................................................................................................................................................ (226,343 )
Net Income.................................................................................................................................................................................. $ 2,200,981
Other Surplus Changes...................................................................................................................................................................... 369,356
Net Change in Capital and Surplus............................................................................................................................................. 2,570,337
Capital and Surplus — January 1............................................................................................................................................... 39,806,650
Policyholders’ Surplus — December 31...............................................................................................................................$ 42,376,987
Board of Directors
Left to Right: E. Gordon Gee; Melvin G. Pye, Jr.; Thomas S. Stewart; Robert E. Hoyt; M. Marnette Perry; Glenn E. Corlett; Michael V. Parrott;
J. Paul McCaffrey, Jr.; Thomas H. Welch; Robert J. O’Brien; Philip W. Stichter; and David C. Wetmore. Not pictured: Douglas P. Buth.
Grange Executive Leadership Team
Agent Advisory Board 2011
Thomas H. Welch
Michael C. Fergang
Bill St. Charles
John Kinkopf
President & CEO
Vice President, Chief Information Officer
Chairperson
Wixom, MI
Loudonville, OH
John Ammendola
J. Paul McCaffrey, Jr.
Leo Daprile
Mount Prospect, IL
President, Personal Lines
Vice President, Chief Financial Officer
Vice Chairperson
Boardman, OH
Jon Mercer
Michelle R. Benz
Peter M. McMurtrie
Tim Bender
President, Grange Life
Vice President, Chief Claims Officer
Indianapolis, IN
Steve Brown
Alan D. Brannan
Curtis M. Parker
Sunbury, OH
Vice President, Chief Strategy &
Corporate Development Officer
Vice President, Chief Actuary
Tim Buren
Doreen Y. DeLaney Crawley
Vice President, Chief Human Resources
Officer & Community Relations
Joseph F. DiMartino, Jr.
President & CEO, Integrity Mutual
Ashland, OH
Brian G. Poling
Cheryl Butler
Assistant Vice President, Business
Governance & Controller
Allentown, PA
Steve Buzzell
Nashville, TN
David T. Roark
Trip Cash
Vice President, Secretary &
General Counsel
Midlothian, VA
Shannon Desmond Walz
Bellevue, KY
Elizabeth M. Dinnin
Mark C. Russell
Dan Dwyer, Jr.
President, Commercial Lines
Vice President, Insurance Operations
Cincinnati, OH
Art Gernt
Carol L. Drake
Douglas L. Sharp
Crossville, TN
Vice President, Marketing
Vice President, Sales & State Management
Jerry Heming
Bowling Green, KY
Bob Hutzelman, Sr.
West Chester, OH
John Jennings
Lawrenceville, GA
Kevin Johnson
Athens, GA
Jeff Krug
Navarre, OH
Danny Patterson
Somerset, KY
Todd Peterman
Montgomeryville, PA
Paul Pittman
Bedford, IN
Mike Salisbury
Wayland, MI
John Scharver
New Albany, OH
Joya Schoolcraft
Manassas, VA
Willard A. (Bill) Silcox, III
Charleston, SC
Mary Skeeles
Atlanta, GA
Rick Smith
Columbus, OH
Monica Surface
Indianapolis, IN
David Thompson
Vienna, OH
Donn Valentine
Elgin, IL
Grange Insurance is a $1.1 billion insurance provider based in
Columbus, Ohio, and rated “A” (Excellent) by A.M. Best. Through its
network of 3,000 independent agents, Grange offers auto, home,
life and business insurance protection. Established in 1935, the
company and its affiliates serve policyholders in Georgia, Illinois,
Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania,
South Carolina, Tennessee, Virginia and Wisconsin.
Grow. Diversify. Build.
The Grange Mutual Casualty Group includes: Grange Mutual Casualty Company, Grange Property & Casualty Insurance Company, Trustgard Insurance Company, Grange
Indemnity Insurance Company, Grange Insurance Company of Michigan, Integrity Mutual Insurance Company and Integrity Property & Casualty Insurance Company.
Auto Home Life Business
grangeinsurance.com
671 South High Street
P.O. Box 1218
Columbus, Ohio 43216-1218
Illustrated by: Dennis England