The “Mutual Creamery and Cheese Factory Fire Insurance Company of Minnesota” was founded in 1900 at the turn of the last century. During their first year, the company was able to write policies for a little over $260,000 and posted assets of a whopping $306.35. The following year, they paid out the first claim to West Concord Cooperative for only $5.21.
From the period of 1915 to 1953, the company was able to increase their number of coverage by adding liability coverage first and tornado and cyclone coverage next. The company underwent name alterations to show the changes. It was in 1953 when the company simplified its name to the Mutual Creamery Insurance Company. It was until 1955 that the company limited their insurance to the members of their cooperative, which consisted of farm and dairy companies, specifically those related to the creamery and cheese production. It was also on the same year that the company moved its headquarters to Richfield, Minnesota and there expanded their coverage to include automobile and homeowners. They also decided to sell coverage through independent agents in addition to their traditional direct contact sales.
The company once again underwent alterations in 1970 when Western National Mutual Insurance Company was formed. This was also the time when the company moved to another location, Edina, Minnesota. It was in 1974 that the Western National Insurance Company made their first acquisition with the Cascade Insurance Company of Seattle, Washington, which they renamed to Western National Assurance Company. This widened the field of possible customers by allowing the company access to people in the Washington State and Oregon.
In the period of 2006 and 2007, two more companies were merged into the Western National Group by the addition of the Famers Home Group of Bloomington, MN. The new companies, Western Home and Pioneer Specialty, enabled access to customers in Nevada and Utah.
At present, the company is insuring customers in 19 States and boasts of over $510 million worth of assets.