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Find an agency and quote with RAM today!

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About Us

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Who We Are

Founded in 1931, RAM Mutual Insurance is proud to be a leading reinsurer to the Minnesota township mutual industry. In addition to providing reinsurance coverage to over 50 local mutuals, RAM partners with over 600 independent agencies throughout Minnesota and North Dakota, covering over 45,000 policyholders.


RAM offers a full line of personal and commercial products, proudly backed with an “A” (excellent) financial rating from the insurance industry’s leading rating organization, A.M. Best.


Our policyholders benefit from services like:

  • 24-hour claim reporting
  • Ability to easily make payments online
  • Loss prevention guidance

Commitment to our customers, agents and mutual partners is shown through our friendly, fair, quick and personal service. RAM also takes pride in our community and employees by encouraging growth, education and civic engagement.


View RAM's Annual Financial Report

RAM's Mission

Provide superior products and services for our customers and personal development and security for our employees.

picture of RAM's home office

RAM's Core Values

Excellence, Relationships, Resourcefulness