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Trusted Insurance Solutions in Montpelier, VT
Founded in 1828, Vermont Mutual Insurance Group stands as one of the oldest mutual property/casualty insurers in the United States. As a policyholder-owned mutual company, we prioritize the protection and satisfaction of our 330,000 policyholders across the Northeast. Our commitment to financial stability and exceptional service has earned us an A+ Superior rating from A.M. Best and recognition as a Ward Group Top 50 insurer for 17 consecutive years. We specialize in tailored personal and commercial insurance solutions, including homeowners, auto, inland marine, umbrella, and business coverage, with a focus on affordability and comprehensive protection. Our network of 800+ independent agents ensures localized expertise while maintaining regional competitiveness through technological innovation and dedicated customer support.With a workforce of over 28 years average tenure, we combine deep industry experience with modern efficiency to deliver cost-effective products and services. Our mission centers on providing financial security through quality insurance products, supported by a vision of technological advancement and core competency expansion. We actively contribute to community well-being through our Charitable Giving Fund and maintain industry leadership through participation in professional associations and award-winning workplace practices.
Services
Personal Insurance
Commercial Insurance
Homeowners Coverage
Auto Insurance
Inland Marine Protection
Highlights and features
- We have operated continuously since 1828 as a policyholder-owned mutual insurer
- Our A+ Superior rating from A.M. Best reflects financial strength and reliability
- We offer exclusive multi-policy discounts for combined home and auto coverage
- Our 24/7 claims support ensures prompt assistance during emergencies
- We maintain 800+ local independent agents for personalized service across the Northeast
Associations and certifications
- A.M. Best
- Ward Group
What people say
Excellent claims handling
Competitive multi-policy discounts
Trusted regional presence
Personalized agent support
Financial stability
Services
Personal Insurance
We provide comprehensive personal insurance solutions including home, auto, and specialty coverage since 1828. Our policies protect against property damage, liability, and unique risks for individuals. With 800+ independent agents, we offer tailored protection for homes, vehicles, valuable possessions, and personal liability needs across the Northeast.
Commercial Insurance
Our commercial insurance programs safeguard businesses of all sizes across multiple industries. Coverage includes property protection, liability insurance, and specialized policies for artisans and contractors. With regional expertise and financial strength, we provide customized risk management solutions to protect Northeast businesses since 1828 through our network of independent agents.
Homeowners Coverage
We offer comprehensive homeowners insurance with customizable endorsements for appliance breakdowns, water backup, and debris removal. Our policies cover primary residences, condominiums, mobile homes, and tenant-occupied properties. With optional home business endorsements, we provide complete protection for both residential and small business needs under one policy.
Auto Insurance
Our auto insurance provides protection for personal vehicles in Massachusetts, Maine, New Hampshire, and Vermont. Policyholders receive discounts for multi-vehicle coverage and safety features. We offer 24/7 claims support, guaranteed repair programs, and deductible recovery assistance when not at fault, ensuring comprehensive protection for Northeast drivers.
Inland Marine Protection
We provide specialized inland marine insurance for high-value personal property including jewelry, fine arts, and collectibles. This coverage protects unique assets that require additional protection beyond standard homeowners policies. Our independent agents help policyholders customize coverage for valuable items that need specialized risk management solutions.
People
Mark McDonnell
President & CEO
With 35+ years in insurance leadership roles, Mark oversees all operations at Vermont Mutual. He chairs the board of Massachusetts FAIR Plan and contributes to industry ethics committees.
Brody Gilbert
Executive Vice President & COO
Bringing 20+ years of insurance finance expertise from PwC and Bluestone Life, Brody manages Vermont Mutual's financial operations and strategic initiatives.
William Cahill
General Counsel & Secretary
With 35 years in insurance law, Bill serves on Commonwealth Automobile Reinsurers' governing committee and contributes to regional insurance policy development.
David DeLuca
Vice President Claims
Leading claims operations for 22 years, David holds leadership roles in multiple insurance industry associations and maintains Fellow status in the Claims and Litigation Management Alliance.
Samuel Hopkins
Chief Information Officer
With 23 years of technology leadership in P&C insurance, Sam directs Vermont Mutual's digital transformation initiatives to enhance customer experience and operational efficiency.
Questions
What areas does Vermont Mutual serve?
We provide insurance coverage across the Northeast, including Connecticut, Maine, Massachusetts, New Hampshire, New York State, Rhode Island, and Vermont.
How can I file an insurance claim?
Contact our claims department at 1-800-435-0397 to report a claim. A qualified representative will guide you through the process and answer any questions.
Do you offer multi-policy discounts?
Yes, we provide substantial discounts when you bundle home and auto insurance policies through our independent agents.
What makes Vermont Mutual different from other insurers?
As a policyholder-owned mutual company since 1828, we prioritize customer needs over shareholder interests, with A+ Superior ratings from A.M. Best for 17 consecutive years.
Can I choose my own repair shop?
Yes, you may select any repair facility, though our Guarantee Repair Program offers additional benefits for vehicle repairs.
