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Find an agency and quote with RAM today!

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Find an agency and quote with RAM today!

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RAM's History

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1931

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.

1949

Moved to Esko, MN.

1957

The company's name was changed to the Farm Mutual Reinsurance Association.

1967

The company’s name was changed to the Reinsurance Association of Minnesota.

1969

RAM building in Esko was remodeled and expanded.

1973

RAM produced a booklet called "Fire Safety in Agricultural Buildings”. This publication has been distributed nationwide.

1974

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.

1976

RAM entered the direct wind business, the ancestor of the package wind products today.

1978

RAM began a 40 X 90 addition with basement.

1979

RAM released another loss control publication, "Fire Safety in Solid Fuel-Burning Systems".

1982

RAM General Agency was formed as an outlet for writing additional lines of business. This is how auto was originally written.

1985

RAM began writing Direct Homeowners (DH).

1990

RAM added Personal Umbrella (UM).

1991

RAM began offering Commercial Package Policy (CPP).

1992

RAM added Commercial Umbrella.

1993

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

1996

RAM acquired Statewide Reinsurance Underwriters (SRU)

2000

The company's name was changed to RAM Mutual Insurance Company, a name that reflects our current operation.

2012

RAM added Dwelling Fire (DF).

2014

RAM began writing commercial lines in North Dakota.

2015

RAM began offering personal lines home and auto in North Dakota.

2016

RAM began offering dwelling fire in North Dakota.

2017

RAM began offering personal umbrella in North Dakota.

2018

RAM moved into a new building just a short distance down the road from the old office building.

2019

RAM began offering farmowners insurance in North Dakota.