About Us

Our History

On February 24, 1877 a group of citizens from Sullivan County, Pennsylvania met to discuss the formation of an insurance company. The Farmers’ & Mechanics’ Home Mutual Insurance Company of Sullivan County was chartered on April 28, 1877 with an office in Forksville, Pennsylvania to serve the public in small towns and rural areas in the western end of Sullivan County.  The first contract for the new insurance company was issued to George and Coryell Dunlap effective June 30, 1877 and the first claim was paid to to John P Clark for policy #101 on December 10, 1877.

In 1887 a resolution was adopted to extend the company writing territory to all parts of the county except the boroughs of Laporte, Dushore, Bernice, Sonestown, Muncy Valley, and Eagles Mere.  By 1903 the company had $932,147 in premiums.

The company shortened its name to Farmers’ & Mechanics’ Mutual Insurance Company in 1983. The same year, the company started to write Homeowner, Mobile Homeowner, and Farmowner policies and increased the standard deductible to $100.

In 1999 the company affiliated with Lititz Mutual Insurance Company of Lititz, Pennsylvania.  Two years later, Union Mutual Insurance Company of Westmoreland County was merged into Farmers’ & Mechanics’ and expanded its marketing territory into western Pennsylvania.

Today, Farmers’ & Mechanics’ offers insurance coverage to homes and farms throughout the state of Pennsylvania.  But we have stayed true to our small town roots and continue to offer the same value and service originally provided back in 1877. 

Our Mission

A century proven Company, Farmers’ & Mechanics’ today continues its time-honored commitment to foster progress through fidelity to the basic values of its founders.

We are a Company that believes the past and future are not mutually exclusive; for we are convinced that without the strength of our heritage, we would know no future.

Farmers’ & Mechanics’ fortune is to have been founded on the soundest of ideals — thrift, integrity, caring, reliability, quality, fairness, and, above all, on a sense of responsibility to our agents and to the thousands of individuals and businesses that have been insured under our banner.

Committed to being a quality Mutual Insurance Company, we are dedicated to the perpetuation of these ideals.

Our purpose is clear: to join burnished tradition with the shining vision of the future; to broaden and deepen our essential commitment to the underlying principles on which our Company has been established; and to build a strong future on the most vital dreams of our past.

With this plan, Farmers’ & Mechanics’ policyholders have consistently been provided with a financially strong, well-managed Company with responsive service and insurance products that are fairly priced.

Our Agents

Independent Agents represent a variety of insurance companies offering all types of protection. These people are self-employed, licensed professionals not limited to placing insurance with just one company. Instead, they have the flexibility to choose the insurance company that can best serve your individual needs.

We have a network of independent agents in Pennsylvania.

In many respects the independent agent is like the conductor of a symphony orchestra. As the symphony conductor knows how to combine various musical instruments to produce a desired sound, so does the independent agent know how to draw on various insurance companies to obtain the right coverage for you at the right price.

Most independent agents are long term, active residents of their communities with wide interests and commitments there. Their business success depends entirely on how effectively they serve you and your neighbors. Having choices for the protection of your interests is the practical advantage independent agents have over their one-company counterparts.

At Farmers’ & Mechanics’ we are proud to serve our policyholders through professional independent agents. For a century we have provided them with stability and dependability, along with prompt personal service. A Farmers’ & Mechanics’ policy means solid protection and integrity.

Rely on your independent agent for all your insurance needs.