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Address or Zip Code :

Notice of RAM Annual Meeting

Where: Holiday Inn & Suites, 75 S 37th Avenue, St.Cloud, MN 56301

Date: April 14th, 2021

Time: Registration 9:00 a.m. – 10:00 a.m. Morning Program 10:00 a.m. Lunch at noon. Business Meeting 1:00 p.m.

RAM’s Annual Meeting will be held on Wednesday, April 14, 2021 at the Holiday Inn in St. Cloud, Minnesota. Registration will be from 9:00 a.m. – 10:00 a.m. The morning program will begin at 10:00 a.m. and will feature two guest speakers. Those in attendance are invited to a poolside noon luncheon.

The business meeting will begin at 1:00 p.m. during which there will be an election of three directors and action will be taken on a board resolution to amend and restate our existing Articles of Incorporation and By-Laws.

If COVID-19 restrictions do not allow for an in-person meeting, we will set up a virtual business meeting via Zoom at 1 p.m. Access information will be provided through our website.

RAM COVID-19 (Coronavirus) Update

The health and safety of our policyholders, business partners, and employees is our first priority. Rest assured, we are committed to providing you the same excellent service you have come to expect, and you can continue to contact us as you normally would.

If you need to file a claim, you can:

  • Log into the Policyholder section of our website
  • Contact your independent agent
  • For emergency roadside assistance, call (844) 573-0536*
  • For glass claims, call (866) 600-4726**

If you need to make a payment, you can:

  • Log into the Policyholder section of the website 24/7
  • Contact your independent agent
  • Contact the RAM billing department at (218) 879-3321 M-F, 7:30am to 4:30pm, or email

If you are affected by COVID-19 and need assistance with more flexible payment options, please contact our billing department directly. We will do our best to work with you during these difficult times. For the most up-to-date information about COVID-19, please visit the CDC's website.

* only available to those with emergency roadside assistance coverage ** only available to those with glass coverage

Your Partner in Protection

RAM is proud to be a leading reinsurer to the township mutual industry. In addition to our excellent member service program, RAM offers a full line of personal and commercial insurance products available in both Minnesota and North Dakota.

RAM offers a full line of personal and commercial insurance products so our policyholders can rest assured they are protected from a covered loss.

Find an agent and quote with RAM today!

RAM has you covered!

With a full line of products to choose from, you're sure to find coverage that is right for you!

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Personal Lines

Take advantage of companion policy discounts by insuring both your home and auto with RAM.

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Commercial Lines

A full suite of commercial lines products allows you to pick coverages that match your specific business needs.

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RAM offers a flexible, comprehensive program aimed at protecting member company financial results.