Insurance carrier
Western Reserve Group
Currently ranked #305 by filing activity. Activity below is based on admitted P&C product filings from Aug 19, 2025 to Aug 19, 2026.
Rank
#305
Top 500 carrier
Filings
50
08/19/25 to 08/19/26
Companies
3
States
2
State footprint
Latest
Jul 28, 2026
Avg rate increase +5.0%
flow
Tracked Filing Volume
where filings move
State Activity
rate impact
Reported Rate Impact
Filings
24
Companies
3
Avg Impact
+5.0%
Max Increase
+11.0%
Max Decrease
-1.7%
Reported rate impact by state
-1.7% to -0.1%-0.1% to +4.0%+4.0% to +10.3%+10.3% to +11.0%
Rate impact filingsShowing up to 24 filings
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
08/21/25Sonnenberg 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%
05/20/26Lightning Rod Mutual Insurance CompanyOHHomeownersForm/Rate/Rule+3.3%+28.6%
07/28/26Sonnenberg Mutual Insurance CompanyINFarmownersForm/Rate/Rule+2.8%+15.3%
07/28/26Lightning Rod Mutual Insurance CompanyINFarmownersForm/Rate/Rule+2.8%+15.3%
05/20/26Western Reserve Mutual Casualty CompanyOHHomeownersForm/Rate/Rule+1.4%+30.0%
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%
07/16/26Sonnenberg Mutual Insurance CompanyINPersonal AutoRate/Rule-1.7%0.0%
product mix by company
Top 5 companies
Western Reserve Mutual Casualty Company23 filings
Homeowners4
Commercial Umbrella3
Businessowners2
Commercial General Liability2
Commercial Lines - Interline2
Lightning Rod Mutual Insurance Company22 filings
Homeowners4
Commercial Umbrella3
Businessowners2
Commercial General Liability2
Commercial Lines - Interline2
Sonnenberg Mutual Insurance Company5 filings
Personal Auto3
Dwelling Policy Program1
Farmowners1
live tape
Recent Documents
Forms
26 docs07/28/26Sonnenberg Mutual Insurance CompanyINWRGFarmApp 11 26 - Markup.pdfFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINFO0101_1126_Farm_Amendatory_Endorsement_Final.pdfFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINWRGFarmApp 11 26 - Final.pdfFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINFO0101_1126_Farm_Amendatory_Endorsement_Markup.pdfFarmowners
06/03/26Western 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 CompanyOHHO0134_SpecialProvisions-Ohio.pdfHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHHM0151_SpecialProvisions-Ohio - 0826.pdfHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHWRG HO APP_08 26 - Final revised.pdfHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHWRG 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
Rate/Rule
426 docs07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRulesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRulesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINRatesFarmowners
Supporting Documentation
107 docs07/28/26Sonnenberg Mutual Insurance CompanyININS 4012 Profit and Loss Statements 2021-2025Farmowners
07/28/26Sonnenberg Mutual Insurance CompanyINActuarial Memorandum and Supporting DocumentationFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINIndiana - Manual Page MarkupsFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINActuarial Memorandum and Supporting DocumentationFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINActuarial Memorandum and Supporting DocumentationFarmowners
07/28/26Sonnenberg Mutual Insurance CompanyINActuarial Memorandum and Supporting DocumentationFarmowners
07/16/26Sonnenberg Mutual Insurance CompanyININS4012 Profit and Loss StatementsPersonal Auto
07/16/26Sonnenberg Mutual Insurance CompanyINActuarial DocumentationPersonal Auto
07/16/26Sonnenberg Mutual Insurance CompanyINActuarial DocumentationPersonal Auto
07/16/26Sonnenberg Mutual Insurance CompanyININS4012 Profit and Loss StatementsPersonal Auto
07/16/26Sonnenberg Mutual Insurance CompanyINActuarial DocumentationPersonal Auto
05/20/26Western Reserve Mutual Casualty CompanyOHActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHRule and Form Filing MemorandumHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHINS 4012 Profit and Loss StatementsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western Reserve Mutual Casualty CompanyOHActuarial Filing Memorandum and ExhibitsHomeowners
05/20/26Western 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
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