Insurance carrier
Western Reserve Group
Currently ranked #338 by filing activity. Activity below is based on admitted P&C product filings from Sep 30, 2025 to Sep 30, 2026.
Rank
#338
Top 500 carrier
Filings
40
09/30/25 to 09/30/26
Companies
3
States
2
State footprint
Latest
Sep 11, 2026
Avg rate increase +3.3%
flow
Tracked Filing Volume
where filings move
State Activity
rate impact
Reported Rate Impact
Filings
18
Companies
3
Avg Impact
+3.3%
Max Increase
+11.0%
Max Decrease
-1.7%
Reported rate impact by state
-1.7% to -1.2%-1.2% to +0.7%+0.7% to +4.7%+4.7% to +11.0%
Rate impact filingsShowing up to 18 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
05/20/26Lightning Rod Mutual Insurance CompanyINHomeownersForm/Rate/Rule+9.8%+29.9%
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%
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 CompanyOHPersonal AutoRate/Rule-1.2%0.0%
07/16/26Sonnenberg Mutual Insurance CompanyINPersonal AutoRate/Rule-1.7%0.0%
product mix by company
Top 5 companies
Lightning Rod Mutual Insurance Company18 filings
Commercial Umbrella3
Homeowners3
Commercial General Liability2
Commercial Lines Premium Payment Plan2
Commercial Property2
Western Reserve Mutual Casualty Company17 filings
Commercial Umbrella3
Homeowners3
Commercial General Liability2
Commercial Lines Premium Payment Plan2
Commercial Property2
Sonnenberg Mutual Insurance Company5 filings
Personal Auto4
Farmowners1
live tape
Recent Documents
Forms
27 docs09/11/26Western Reserve Mutual Casualty CompanyINWBP831226.pdfBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINWBP04391226.pdfBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINWBP841226.pdfBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINWBP851226.pdfBusinessowners
07/28/26Sonnenberg 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
Rate/Rule
392 docs09/11/26Western Reserve Mutual Casualty CompanyINCompany ExceptionBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINCompany ExceptionBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINCompany ExceptionBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINCompany ExceptionBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINCompany ExceptionBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINCompany ExceptionBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINBOP Class Modification FactorsBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINCompany ExceptionBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINCompany ExceptionBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINBOP Class Modification FactorsBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINCompany ExceptionBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINCompany ExceptionBusinessowners
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 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
Supporting Documentation
90 docs09/11/26Western Reserve Mutual Casualty CompanyINActuarial Memorandum and Supporting DocumentationBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINActuarial Memorandum and Supporting DocumentationBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINActuarial Memorandum and Supporting DocumentationBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINActuarial Memorandum and Supporting DocumentationBusinessowners
09/11/26Western Reserve Mutual Casualty CompanyINActuarial Memorandum and Supporting DocumentationBusinessowners
07/28/26Sonnenberg 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 CompanyOHActuarial DocumentationPersonal Auto
07/16/26Sonnenberg Mutual Insurance CompanyOHINS4012 Profit and Loss StatementsPersonal Auto
07/16/26Sonnenberg Mutual Insurance CompanyOHINS4012 Profit and Loss StatementsPersonal Auto
07/16/26Sonnenberg Mutual Insurance CompanyOHActuarial DocumentationPersonal Auto
07/16/26Sonnenberg Mutual Insurance CompanyOHActuarial DocumentationPersonal Auto
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