The Western Reserve Group offers a comprehensive and competitively priced portfolio of personal, farm, and commercial insurance products. The products are backed by experienced employees dedicated to providing the best possible products and service to agents and policyholders.


Western Reserve Group Reorganizes as a Mutual Holding Company

Jan 3, 2022, 7:00 AM by Mike Shutt
Wooster, OH – Western Reserve is pleased to announce the reorganization of its corporate structure to a mutual holding company, WRG Mutual Insurance Holding Company, effective January 1, 2022.  The reorganization to a mutual holding company structure will enhance Western Reserve’s ability to diversify into new products and geographies, strengthening their ability to meet obligations to policyholders in the future while also preserving mutuality rights to policyholders.  The new structure also provides a flexible, modern structure used by a growing number of mutual insurance companies.

The pursuit of this corporate structure began a year ago when the company’s Board of Directors began to evaluate the benefits of such a reorganization.  The mutual reorganization plan was unanimously approved by the Board in April of last year.  The change was overwhelmingly approved by the company’s mutual policyholders on July 28, 2021, and was subsequently reviewed and approved by the Ohio Department of Insurance and Ohio Attorney General.
The reorganization has no impact on current insurance products, coverage, or service.   The company’s branding also remains unchanged.
Current policyholders with policies issued through Western Reserve Mutual Casualty Company, Lightning Rod Mutual Insurance Company or Sonnenberg Mutual Insurance Company will receive their mutual membership rights through the mutual holding company upon renewal of their current policies throughout 2022.  Customers who purchase new policies issued by these three writing companies will receive mutual membership rights upon the new policy’s effective date.
“This change allows us to better position the company to respond to market challenges and opportunities,” said Western Reserve President & CEO Kevin W. Day.  “Ultimately, it will provide the company enhanced flexibility to advance our growth, products and position in the future.”

Western Reserve, founded in 1906 and based in Wooster, Ohio, partners with more than 400 independent agencies to distribute quality property and casualty insurance products throughout Ohio and Indiana.  Western Reserve has maintained a rating of “A” from AM Best for over 50 years.  Additional company information is available at