RAM Mutual Insurance Company was incorporated in 1931 as Farm Mutual Reinsurance Association of Minnesota. Located in Herman, the company's sole purpose was providing reinsurance coverage to the founding Township Mutuals.
Moved to Esko, MN.
The company's name was changed to the Farm Mutual Reinsurance Association.
The company’s name was changed to the Reinsurance Association of Minnesota.
RAM building in Esko was remodeled and expanded.
RAM produced a booklet called "Fire Safety in Agricultural Buildings”. This publication has been distributed nationwide.
RAM entered the direct lines area and began writing Workers Compensation Insurance, Farmers Comprehensive Personal Liability and Special Multi-Peril Insurance and Wind Insurance on Poultry.
RAM entered the direct wind business, the ancestor of the package wind products today.
RAM began a 40 X 90 addition with basement.
RAM released another loss control publication, "Fire Safety in Solid Fuel-Burning Systems".
RAM General Agency was formed as an outlet for writing additional lines of business. This is how auto was originally written.
RAM began writing Direct Homeowners (DH).
RAM added Personal Umbrella (UM).
RAM began offering Commercial Package Policy (CPP).
RAM added Commercial Umbrella.
RAM's Board of Directors voted and decided to begin writing auto insurance. RAM began writing Commercial auto in 1999 and Personal Auto in 2001
RAM acquired Statewide Reinsurance Underwriters (SRU)
The company's name was changed to RAM Mutual Insurance Company, a name that reflects our current operation.
RAM added Dwelling Fire (DF).
RAM began writing commercial lines in North Dakota.
RAM began offering personal lines home and auto in North Dakota.
RAM began offering dwelling fire in North Dakota.
RAM began offering personal umbrella in North Dakota.
RAM moved into a new building just a short distance down the road from the old office building.
RAM began offering farmowners insurance in North Dakota.