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Products

Personal Lines

Offering a wide variety of personal insurance products to fit your individual needs, insuring with RAM gives you peace of mind that your personal property is protected from personal loss. Our underwriting team strives to provide superior customer service to our agents and policyholders.

Commercial Lines

Specializing in small to mid-size businesses, RAM offers a wide variety of coverages to meet your business needs. You have invested time and money into making your business a success, and RAM will work hard to give you the assurance that you are protected from a business loss.

Reinsurance

RAM was incorporated in 1931 as the result of a MAFMIC project with the purpose of providing reinsurance facilities and stability to the township mutuals of Minnesota. Our commitment to the mutual insurance concept is strong. As the needs of our member companies continue to arise, the RAM staff is dedicated to providing the best possible solutions and service available to respond to those needs.

Equipment Breakdown

As a home or farm dwelling owner, you depend on many types of mechanical and electrical equipment to provide convenience, comfort, and safety. Yet, these modern-day essentials are all subject to potential mechanical and electrical breakdown. With RAM's equipment breakdown coverage, your loss may be covered!

Identity Theft

Identity theft is a serious crime and no matter how careful you are, you may still be a victim. Recovery takes time and money to repair the damage to your name, credit, and finances. What would you do if you were a victim of identity theft?

Data Breach

A data breach can expose sensitive information to an unsafe environment and lead to devistating consequences. RAM has partnered with CyberScout® to provide you with Data Breach Services that will help you prepare your business for the complexities and nuances of data security- without the expense of hiring in-house expertise.

Employment Practices Liability

Small business owners can't afford not to protect themselves from employee accusations and claims. The risks and stakes are too high. Luckily, the solution is simple with Employment Practices Liability (EPL) Coverage through RAM.