Oregon. It's who we are.





Not Just Any Insurance Company


Founded in McMinnville, Oregon in 1894 by a close group of business owners, Oregon Mutual remains the oldest, independent, mutual  insurance company west of the Mississippi.  2019 marked 125 years of serving your personal, commercial, and agricultural needs throughout Oregon, Washington, California and Idaho. Unlike some insurance companies, Oregon Mutual does not answer to institutional investors. We’re in this business for you.  We have consistently demonstrated stability, management expertise, and the ability to meet financial obligations.  The Oregon Mutual Group has earned the A-(Excellent) financial strength rating from the A.M. Best Company since 1990.  As of December 2019, the Oregon Mutual Group has also received an A- (Excellent) with stable outlook financial strength rating from the Kroll Bond Rating Agency (KBRA).  Further explanation of these ratings may be found at A.M. Best and KBRA .


Some other insurance companies refer to their customers only as policyholders. At Oregon Mutual, we refer to our policyholders as members, because it wouldn’t feel right to refer to them in any other way.  Whether calling for a quote, a general question or filing a claim, our people treat our members with dignity, compassion and respect. As a member of Oregon Mutual, you’re more than just a customer. If you are not yet a member of Oregon Mutual, thank you for taking the time to learn more about us. Read about our coverages to discover more about the range of products and policies we offer.


To celebrate our milestone birthday, we are thrilled to introduce a total re-brand of our company that better represents who we are—stable, honest and always willing to lend a hand to those who need it most. It’s an Oregon approach and one we’re proud to be associated with. The spirit led by the pioneers who settled this region is the spirit that drives us to serve our neighbors and communities. Oregon. It’s Who We Are. Learn more about our Brand New story here.



Mission & Values

Earn the trust of our customers and provide peace of mind by delivering superior insurance products and service.


To earn trust, we act through the positive actions of our employees and independent agents in an environment that values:

  • Integrity: We are personally accountable to be honest, fair, and ethical in all of our activities.
  • Respect: We treat everyone with respect and foster a work environment that recognizes individual contributions, encourages teamwork, and promotes career and personal growth.
  • Innovation: We continually strive to improve our products and services for the benefit of our customers.
  • Independence: We manage our resources to perpetuate a growing and prosperous independent mutual insurance company.
  • Citizenship: We encourage and support active participation in our communities.

We would not be the company we are today without our committed employees.

We are seeking additions to our exceptional team of people. If you are committed to earning the trust of other people and strive to provide peace of mind to those experiencing their best or worst days, then you have some of the attributes that make up our company mission statement. If making a positive difference is a goal you’d like to wake up to every day, we are interested in getting to know you, learning more about your work experience and discovering the motivating factors that drive your passions.


Since our founding, the steadfast force behind our strength is our people. When working at Oregon Mutual, you quickly learn there’s nothing more satisfying than knowing you’ve made a difference in the life another person. Each and every day, that is exactly what our employees are given the opportunity to do. For more information regarding our current career opportunities and to apply for an open position, please click the link below or visit us on Glassdoor.


Employee Benefits:


Volunteer Time Off


401(k) with company match


Employee insurance discount


Life & Supplemental Life Insurance


Short and Long Term disability


Medical, dental, vision


Health Savings Account


Flex Time


Legal Assistance


Performance Bonus


On-site workout facility


Paid holidays, vacation and sick leave


Education assistance


Equal Opportunity Employer


125 Years of History


Thirty-five years after Oregon became a state, Oregon Mutual Insurance Company was founded by a local group concerned about the affordability of insurance. They wanted their own company, one that understood the needs of the local people in the West. “Insurance of the people, by the people and for the people” was their motto. They organized a “Mutual” insurance company based on the concept that members needs come first.


As an Oregon Mutual policyholder, you have an ownership stake in the company and can be assured that your company has your interests and welfare first in mind. We are not a stock company who raises capital by selling stock so we don’t answer to shareholders, we answer to our members. Oregon Mutual does not have market and investor pressure to maximize profits, which helps us keep our rates as low as possible. Our foremost responsibility is to serve our policyholders. It's who we are.



How we are supporting our members, agents, and staff during the COVID-19 pandemic


Payments and Billing Flexibility:


In this difficult and uncertain time, we understand some of our members may be facing financial challenges. Our team is here to help work through billing options for those facing hardships related to COVID-19. These include:


• Placing a 30-day hold on cancellations for non-payment of premium for those policyholders experiencing hardships related to COVID-19.

• Waiving late fees.

• Removing accounts from recurring electronic payment methods when necessary.

• Adjusting payment schedules when possible


As always, we remain committed to meeting the needs of our members and agents. Please contact our Customer Service team at 800-409-3814 with questions or for assistance with any of the above listed options.


Personal Lines Credits and Discounts:


Now is a great time to review your personal lines auto policy with your agent. Some cost effective saving options may be available to you if they are not currently applied to your policy. These may include:


• Low mileage credit

• Home and auto bundle credit *Only available if both policies are with Oregon Mutual.

• Affiliation with approved credit unions

• Defensive driver discount (Members over 55 who have completed an accident-prevention course.)

• Increasing your deductible for a lower premium


Virtual Options for Members with Personal Lines Policies


Our new Member Gateway offers online accessibility anytime, anywhere. With this tool, our personal lines members are able to:


• Make a payment

• View billing history

• Directly contact their agent

• Download or print their auto insurance ID cards


Commercial Lines Members


We understand many business owners have taken a direct, economic hit as a result of the COVID-19 pandemic. We’re here to help alleviate some of the impact with the below options. Please note, any requested changes to your commercial lines policy will be evaluated on a case-by-case basis. Contact your agent for more information about the following options:


• Updating your annual sales amount.

• Suspending liability coverage for vehicles in storage while maintaining physical damage coverage for the vehicle itself.

• Auto coverage can be added to existing business policies and may protect you if employees are delivering for your business using their vehicles.


Businessowner Resources


• For our business members with Employer Protection Coverage – Legal Advice Hotline Flyer

• Centers for Disease Control & Prevention Interim Guidance for Business and Employers

• Equal Employment Opportunity Commission’s Corona-virus and COVID-19

• Occupational Safety and Health Administration’s Guidance on Preparing Workplaces for COVID-19


Reporting a Claim


We’re here to answer any questions you may have. Our claims average response time to notifications of a first notice of loss is 90 minutes. We are available to take your claims information 24 hours a day, 7 days a week at 800-934-3809.


Measures Taken to Keep Employees Safe


We are following CDC guidelines to help prevent the spread of COVID-19 to our employees, agents, and claimants:


• 97% of our McMinnville, Oregon home office employees have been transitioned to work remotely.

• Claims adjusters’ visits will be permitted on a case-by-case basis if the claim necessitates a visit (house fire, etc).

• Agency marketing managers have suspended in-person visits to agencies.


We are committed to exemplary service to our agents and members. We expect this to continue while our employees work remotely. We encourage agents to continue to access carrier and member information through Agent Bizlink Portal, and our members to sign up for Member Gateway or use Quick Payment, to make payments.


This will be a different and difficult time for many and we join you in keeping each other in our collective thoughts and prayers while we take these precautionary measures to assist our community, state, and nation to get this under control. Stay safe, and thank you for being an Oregon Mutual member and/or a partner agent.







© 2019 Oregon Mutual Insurance Company.  All rights reserved.  Oregon Mutual and It’s who we are and the OM logo are service marks of the Oregon Mutual Insurance Company.  Insurance underwritten by Oregon Mutual Insurance Company and Western Protectors Insurance Company.  Not all insurers do business in all jurisdictions.  Coverage not available in all jurisdictions.  All coverages subject to policy terms and conditions.  Quote availability subject to applicable underwriting guidelines.  Discount availability and amount varies by jurisdiction and situation.

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