Insurance carrier
Western Reserve Group
Currently ranked #298 by filing activity. Activity below is based on admitted P&C product filings from Jul 6, 2025 to Jul 6, 2026.
Rank
#298
Top 500 carrier
Filings
54
07/06/25 to 07/06/26
Companies
3
States
2
State footprint
Latest
Jun 3, 2026
Avg rate increase +8.0%
flow
Tracked Filing Volume
where filings move
State Activity
rate impact
Reported Rate Impact
Filings
28
Companies
3
Avg Impact
+8.0%
Max Increase
+15.1%
Max Decrease
-0.1%
Reported rate impact by state
-0.1% to -0.1%-0.1% to +7.9%+7.9% to +14.9%+14.9% to +15.1%
Rate impact filingsShowing up to 28 filings
08/14/25Lightning Rod Mutual Insurance CompanyOHFarmownersForm/Rate/Rule+15.1%+17.1%
07/16/25Western Reserve Mutual Casualty CompanyOHPersonal Umbrella LiabilityRate/Rule+15.0%+33.3%
07/16/25Western Reserve Mutual Casualty CompanyINPersonal Umbrella LiabilityRate/Rule+14.9%+33.3%
08/14/25Sonnenberg Mutual Insurance CompanyOHFarmownersForm/Rate/Rule+14.2%+17.1%
08/14/25Lightning Rod Mutual Insurance CompanyOHFarm UmbrellaForm/Rate/Rule+14.0%+72.0%
08/14/25Lightning Rod Mutual Insurance CompanyINFarm UmbrellaForm/Rate/Rule+12.9%+47.4%
10/15/25Western Reserve Mutual Casualty CompanyINCommercial UmbrellaForm/Rate/Rule+11.0%n/a
10/15/25Lightning Rod Mutual Insurance CompanyINCommercial UmbrellaForm/Rate/Rule+11.0%n/a
08/14/25Lightning Rod Mutual Insurance CompanyINFarmownersForm/Rate/Rule+10.9%+12.6%
08/14/25Sonnenberg Mutual Insurance CompanyINFarmownersForm/Rate/Rule+10.4%+12.6%
08/21/25Sonnenberg Mutual Insurance CompanyOHDwelling Policy ProgramRate/Rule+10.3%+10.5%
08/21/25Western Reserve Mutual Casualty CompanyOHDwelling Policy ProgramRate/Rule+10.0%+10.5%
08/21/25Western Reserve Mutual Casualty CompanyINDwelling Policy ProgramRate/Rule+10.0%+10.4%
05/20/26Lightning Rod Mutual Insurance CompanyINHomeownersForm/Rate/Rule+9.8%+29.9%
09/10/25Lightning Rod Mutual Insurance CompanyINBusinessownersForm/Rate/Rule+9.4%+20.9%
09/10/25Western Reserve Mutual Casualty CompanyINBusinessownersForm/Rate/Rule+8.8%+20.9%
05/20/26Western Reserve Mutual Casualty CompanyINHomeownersForm/Rate/Rule+7.2%+28.8%
11/06/25Lightning Rod Mutual Insurance CompanyINHomeownersRate/Rule+6.0%+6.9%
11/06/25Western Reserve Mutual Casualty CompanyINHomeownersRate/Rule+5.9%+7.2%
09/10/25Lightning Rod Mutual Insurance CompanyOHBusinessownersForm/Rate/Rule+5.5%+16.2%
09/10/25Western Reserve Mutual Casualty CompanyOHBusinessownersForm/Rate/Rule+4.7%+16.2%
07/14/25Western Reserve Mutual Casualty CompanyINDwelling Policy ProgramRate/Rule+4.5%+10.5%
12/26/25Western Reserve Mutual Casualty CompanyINPersonal AutoForm/Rate/Rule+0.7%+37.8%
12/26/25Lightning Rod Mutual Insurance CompanyINPersonal AutoForm/Rate/Rule+0.6%+41.2%
12/26/25Lightning Rod Mutual Insurance CompanyOHPersonal AutoRate/Rule+0.3%+38.6%
12/26/25Western Reserve Mutual Casualty CompanyOHPersonal AutoRate/Rule+0.2%+39.1%
12/26/25Sonnenberg Mutual Insurance CompanyOHPersonal AutoRate/Rule-0.1%+38.3%
12/26/25Sonnenberg Mutual Insurance CompanyINPersonal AutoForm/Rate/Rule-0.1%+37.5%
product mix by company
Top 5 companies
Western Reserve Mutual Casualty Company25 filings
Commercial Umbrella3
Dwelling Policy Program3
Homeowners3
Businessowners2
Commercial General Liability2
Lightning Rod Mutual Insurance Company24 filings
Commercial Umbrella3
Homeowners3
Businessowners2
Commercial General Liability2
Commercial Lines - Interline2
Sonnenberg Mutual Insurance Company5 filings
Farmowners2
Personal Auto2
Dwelling Policy Program1
live tape
Recent Documents
Forms
32 docs06/03/26Western Reserve Mutual Casualty CompanyINWCU34440922.pdfCommercial Umbrella
06/03/26Western Reserve Mutual Casualty CompanyINWCU99020126.pdfCommercial Umbrella
06/03/26Western Reserve Mutual Casualty CompanyINWCU34710126.pdfCommercial Umbrella
05/20/26Western Reserve Mutual Casualty CompanyINWRG HO APP_08 26 - Final revised.pdfHomeowners
05/20/26Western Reserve Mutual Casualty CompanyINWRG HO APP_08 26 - Markup.pdfHomeowners
01/13/26Western Reserve Mutual Casualty CompanyOHWCG 40 49 01 26.pdfCommercial General Liability
01/13/26Western Reserve Mutual Casualty CompanyOHWCG 99 11 01 26.pdfCommercial General Liability
01/13/26Western Reserve Mutual Casualty CompanyOHWCG 40 28 09 22.pdfCommercial General Liability
12/26/25Western Reserve Mutual Casualty CompanyINPV0106_AmendmentOfPolicyProvisions-Indiana_03 26.pdfPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyINPV0106_AmendmentOfPolicyProvisions-Indiana_03 26 - Markup.pdfPersonal Auto
10/15/25Western Reserve Mutual Casualty CompanyOHWCU34540523.pdfCommercial Umbrella
09/30/25Western Reserve Mutual Casualty CompanyOHWGL 28 12 25 - Livestock Feed Manufacturers or Dealers - Property Damage Exclusion.pdfGeneral Liability
09/30/25Western Reserve Mutual Casualty CompanyOHWGL 22 12 25 - Agribusiness Consulting Services Liability Coverage.pdfGeneral Liability
09/30/25Western Reserve Mutual Casualty CompanyOHWGL 24 12 25 - Property Damage To Non-Owned Railroad Rolling Stock.pdfGeneral Liability
09/30/25Western Reserve Mutual Casualty CompanyOHWGL 23 12 25 - Livestock Feed Manufacturers or Dealers - Property Damage Coverage.pdfGeneral Liability
09/30/25Western Reserve Mutual Casualty CompanyOHWCP 27 12 25 - Commercial Property Agribusiness Plus Endorsement.pdfCommercial Property
09/30/25Western Reserve Mutual Casualty CompanyOHWCP 28 12 25 - Winery Endorsement.pdfCommercial Property
09/10/25Western Reserve Mutual Casualty CompanyOHWBP 81 12 25 - STOP GAP - EMPLOYER'S LIABILITY COV.pdfBusinessowners
09/10/25Western Reserve Mutual Casualty CompanyOHWBP 80 12 25 - AMENDED DEFINITION OF OCCURRENCE - DAMAGE TO YOUR WORK.pdfBusinessowners
09/10/25Western Reserve Mutual Casualty CompanyINBP01351025.pdfBusinessowners
08/14/25Sonnenberg Mutual Insurance CompanyOHFO 05 28 11_25 Cosmetic Damage Exclusion - markup.pdfFarmowners
08/14/25Sonnenberg Mutual Insurance CompanyOHFL 10 19_0625 PFAS Exclusion.pdfFarmowners
08/14/25Sonnenberg Mutual Insurance CompanyOHFO0538_ServiceLineCoverage 1122.pdfFarmowners
08/14/25Sonnenberg Mutual Insurance CompanyOHFO 12 10_11 25 Actual Cash Value.pdfFarmowners
08/14/25Sonnenberg Mutual Insurance CompanyOHFP 12 10_01 98 Actual Cash Value.pdfFarmowners
08/14/25Sonnenberg Mutual Insurance CompanyOHFO 01 50 - Limited Loss Settlement for Windstorm or Hail Losses to Roof Surfacing - markup.pdfFarmowners
08/14/25Sonnenberg Mutual Insurance CompanyOHFO 04 78_11 25 Functional Bldg Valuation with LLS Roof.pdfFarmowners
08/14/25Sonnenberg Mutual Insurance CompanyOHFO 05 28 11_25 Cosmetic Damage Exclusion.pdfFarmowners
08/14/25Sonnenberg Mutual Insurance CompanyOHFP 04 78_09 03 Functional Repl Cost.pdfFarmowners
08/14/25Sonnenberg Mutual Insurance CompanyOHFO 01 50 - Limited Loss Settlement for Windstorm or Hail Losses to Roof Surfacing.pdfFarmowners
08/14/25Sonnenberg Mutual Insurance CompanyOHFO 05 40_ServiceLineCoverage 1125.pdfFarmowners
08/14/25Lightning Rod Mutual Insurance CompanyOHFB 10 71_0625.pdfFarm Umbrella
Rate/Rule
436 docs05/20/26Western Reserve Mutual Casualty CompanyININ - RatesHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Mobile Homeowners RulesHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Underwriting StandardsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Optional CoveragesHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Optional CoveragesHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Mobile Home RatesHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - RatesHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - IndexHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - General RulesHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Optional CoveragesHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Mobile Home RatesHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - IndexHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - IndexHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - General RulesHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Mobile Homeowners RulesHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Underwriting StandardsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - IndexHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Optional CoveragesHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININ - Premium AdjustmentHomeowners
01/13/26Western Reserve Mutual Casualty CompanyOHWRG-GL-OH-3Commercial General Liability
01/13/26Western Reserve Mutual Casualty CompanyOHComplete GL Exception PagesCommercial General Liability
01/13/26Western Reserve Mutual Casualty CompanyOHWRG-GL-OH-3Commercial General Liability
01/13/26Western Reserve Mutual Casualty CompanyINWRG-GL-IN-3Commercial General Liability
01/13/26Western Reserve Mutual Casualty CompanyINWRG-GL-IN-3Commercial General Liability
12/26/25Western Reserve Mutual Casualty CompanyOHLPVWPV - Primary ClassificationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHSSV - Primary Classifications AddendumPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHLPVWPV - Premium CalculationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHLPVWPV _ Rule 21Personal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHSSV - MC Premium CalculationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHLPVWPV - Rule 4Personal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHSSV - Semi-Annual Base RatesPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHSSV - Secondary ClassificationsPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHSSV - Manual IndexPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHLPVWPV - Secondary ClassificationPersonal Auto
Supporting Documentation
109 docs05/20/26Western Reserve Mutual Casualty CompanyINActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyININS 4012 Profit and Loss StatementsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyINActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyINActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyINActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyINActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyINRule and Form Filing MemorandumHomeowners
05/20/26Western Reserve Mutual Casualty CompanyINActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyINActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyINActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyINActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyINActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyINActuarial Filing Memorandum and ExhibitsHomeowners
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial SupportPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial SupportPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHRate and Rule Filing MemorandumPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial SupportPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHINS4012 Profit and Loss Statements 2020-2024Personal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial SupportPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial SupportPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHINS4012 Profit and Loss Statements 2020-2024Personal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial SupportPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial SupportPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial SupportPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial DocumentationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial DocumentationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial DocumentationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial DocumentationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial DocumentationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyOHActuarial DocumentationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyINActuarial DocumentationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyININS4012 Profit and Loss Statements 2020 - 2024Personal Auto
12/26/25Western Reserve Mutual Casualty CompanyINActuarial DocumentationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyINRate, Rule & Form Filing MemorandumPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyININS4012 Profit and Loss Statements 2020 - 2024Personal Auto
12/26/25Western Reserve Mutual Casualty CompanyINActuarial DocumentationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyINActuarial DocumentationPersonal Auto
12/26/25Western Reserve Mutual Casualty CompanyINActuarial DocumentationPersonal Auto
11/06/25Western Reserve Mutual Casualty CompanyINFiling MemorandumHomeowners
11/06/25Western Reserve Mutual Casualty CompanyINRule / Rate MarkupsHomeowners
11/06/25Western Reserve Mutual Casualty CompanyINActuarial Memorandum & Supporting DocumentationHomeowners
11/06/25Western Reserve Mutual Casualty CompanyINActuarial Memorandum & Supporting DocumentationHomeowners
11/06/25Western Reserve Mutual Casualty CompanyINActuarial Memorandum & Supporting DocumentationHomeowners
11/06/25Western Reserve Mutual Casualty CompanyINActuarial Memorandum & Supporting DocumentationHomeowners
11/06/25Western Reserve Mutual Casualty CompanyININS 4012 Profit and Loss Statements (2020 - 2024)Homeowners
10/15/25Western Reserve Mutual Casualty CompanyOHActuarial Memorandum and Supporting DocumentationCommercial Umbrella
10/15/25Western Reserve Mutual Casualty CompanyOHActuarial Memorandum and Supporting DocumentationCommercial Umbrella
10/15/25Western Reserve Mutual Casualty CompanyOHActuarial Memorandum and Supporting DocumentationCommercial Umbrella
10/15/25Western Reserve Mutual Casualty CompanyINActuarial Memorandum and Supporting DocumentationCommercial Umbrella
09/30/25Western Reserve Mutual Casualty CompanyOHActuarial Memorandum and Supporting DocumentationGeneral Liability