Reinsurance
RAM Mutual Insurance has been a trusted leader in reinsurance for Minnesota township mutual insurance companies for nearly a century. Built on strong relationships and a deep understanding of the mutual insurance industry, we provide the financial strength, expertise, and responsive support our member companies need to protect their policyholders, and confidently navigate an evolving risk landscape.
RAM’s reinsurance solutions are designed to support the long-term strength and stability of our member companies.
Our Solution
As a RAM member company, you gain more than reinsurance you gain a partner invested in your success.
Our approach is built on collaboration, shared strength, and a commitment to helping you grow with confidence. We work alongside you to provide support, insight, and solutions that make a lasting difference for your organization.
No-Cost Services for Our Member Companies
As part of your membership, RAM provides a range of value-added services at no additional cost:
- Cause and origin investigations
- Claims consultation and support
- Operational consultation and support
- Inspector training assistance
- Fire loss prevention publications
- Arson and fraud investigation support
- Subrogation assistance
- Mutual reward program to help identify those responsible for losses
- Fire testing of construction materials
These services are designed to strengthen your operations, reduce risk, and support long-term success.