Email
Facebook
Twitter
Print
Text Resize
Rural Means Service and Dedication
Rural isn’t where you live; it’s what you value. At Rural Mutual Insurance Company, we value working hard for your neighbors. Our knowledge and “Undivided Attention” – provided to towns and villages only in Wisconsin – has earned us the endorsement of the Wisconsin Towns Association. Working hard for your neighbors. That’s what we do. That’s who we are.
Rural Mutual provides Property and Liability insurance services to more than 60 percent of all towns in Wisconsin -- more than any other insurance company. We're also active with the Wisconsin Municipal Clerks Association, providing three scholarships to the UW-Green Bay Clerks Institute.
Contact a Rural Mutual Agent for Coverage
Rural Mutual's Town insurance policy provides comprehensive coverage for your town's buildings, contents and other owned property.
Buildings:
- Includes completed additions, permanent fixtures and property such as fire extinguishing equipment, outdoor furniture, floor coverings, and appliances.
Business Personal Property:
- Includes property the town owns that’s used in or on buildings at the described location. Includes furniture, machinery and equipment.
Special Property Coverage:
- Insures buildings and business personal property for risks of direct physical loss unless excluded or limited. Coverage is provided for earthquake, flood and damage caused by the back-up of sewers and drains.
Additional Available Coverages and Extensions 
Additional Coverages are available including:
- Preservation of Property
- Extra Expense
- Pollutant Clean Up
- Outdoor Property
- Debris Removal
- Accounts Receivable
- Valuable Papers and Records
- More
Optional coverages:
- Employee & Volunteer Worker Personal Auto
- Equipment Breakdown Coverage
- Glass Breakage Deductible Waiver
- Rental Expense Reimbursement
- Towing & Labor
- Outdoor Property including (but not limited to) Traffic lights and signs, Fixed Recreational and Playground Equipment, Fixed Park Shelters, Sirens, Antennas and Towers
The Liability Coverage form provides coverage for the town’s legal obligation for Bodily Injury and Property Damage caused to others. Liability coverage includes:
- Automobile Liability
- Premises & Operations
- Automobile Liability
- Damage to Premises Rented to You
- Contractual Liability
- Owned and Non-Owned Watercraft Liability
- Liquor Liability
- Mobile Equipment Liability
- Non-Owned Auto Liability
- Uninsured and Underinsured Motorist Coverage
- Incidental Medical Malpractice Liability
Commercial Liability Umbrella Endorsement
Lawsuits are a great threat to those in town government today. Once the limits of your underlying insurance are exhausted or reduced by loss, the liability umbrella endorsement provides additional coverage.
Public Officials Professional Liability
Provides coverage for the board members and others responsible for carrying out the responsibilities of the rural town, village, government body, administrative department or agency. Coverage is provided for wrongful acts for which the town is legally obligated to pay as damages. The town may extend coverage to apply to an employment practices injury or an employment benefit plan administration injury.
Business Owners Advantage Plus Endorsement
The Business owners Advantage Plus Endorsement extends the Building and Personal Property coverage by adding additional coverage and increasing the limits for some existing additional coverages. It also expands coverage available under the Business Liability Coverage. When this optional endorsement is selected, it applies to all locations and all buildings at each location.
Provides coverage for commandeered property, newly acquired or constructed property, business personal property and personal effects. Includes Firefighters and Law Enforcement Professional Liability.
Worker’s Compensation provides coverages for employees who sustain a job related accident resulting in bodily injury or an occupational disease in the course of their employment. Worker’s Compensation covers medical expenses, disability, and death benefits.
Protecting people on the job and protecting property is in everyone's best interest; our economy, our community, our fellow workers, and our families. Safety and loss prevention adds value to businesses and our lives.
Rural Mutual will conduct loss control visits to help your operation run in the safest manner possible.
