President's Message
At Western Reserve Group, our strength has never been defined by numbers alone, but by the people and the relationships behind them. For more than a century, we have built our reputation on trust, integrity, and standing alongside our policyholders when it matters most.
As we reflect on 2025, I am proud of how our organization continues to live out our mission in meaningful ways. In a year marked by continued industry change and evolving risks, we remained grounded in who we are: a regional mutual insurer built on relationships, integrity, and service.
Our financial results this year demonstrate the strength of that foundation. We closed 2025 with surplus of approximately $356 million, reinforcing our capital position and long-term stability. Our loss ratio improved to 53.7%, reflecting disciplined underwriting, favorable core performance, and the focused actions we have taken to manage risk responsibly. These results are important, not simply because they represent improvement, but because they ensure we can continue to fulfill our promises for generations to come.
As a mutual company, we do not measure success solely by growth or short-term performance. We measure it by our ability to remain steady through changing markets and fulfill our responsibilities with consistency and integrity. Our financial strength enables us to invest confidently in our people, technology, and communities while preserving the long-term stability that defines Western Reserve Group.
In 2025, we continued investing in tools and capabilities that enhance the experience for both agents and policyholders. At the same time, we remained committed to what differentiates Western Reserve Group: local expertise, responsive service, and personal accountability. Technology strengthens our processes, but relationships remain our foundation.
Our independent agents are central to our success. Your dedication to your clients and communities aligns perfectly with our mission. Together, we protect families, farms, and businesses throughout Ohio and Indiana. Your partnership enables our continued strength, and we are committed to being a carrier that supports your success with consistency and integrity.
I am equally proud of our employees. Their professionalism, compassion, and attention to detail define the service experience we provide. In addition to their daily work, our employees contributed significant time and resources to community outreach initiatives this year, demonstrating that our commitment to service extends far beyond the policies we write.
To our policyholders, thank you for placing your confidence in Western Reserve Group. When a loss occurs, it is rarely convenient and often difficult. Our responsibility is to respond with empathy, clarity, and fairness. That responsibility guides everything we do.
The road ahead will continue to evolve. Weather events, economic conditions, and market dynamics will test our industry. Western Reserve Group enters 2026 financially strong, strategically disciplined, and deeply committed to the communities we serve.
Our mission remains clear: to provide quality insurance products that independent agents select, customers prefer, and employees stand behind—allowing our policyholders to insure with confidence.
Thank you for your trust and continued partnership with Western Reserve Group.
Sincerely,
Greg A. Brunn
President & CEO
