"Providing top quality insurance to Ohioans through independent agents located throughout the state since 1867"
German Mutual Insurance
1000 Westmoreland Avenue
Napoleon, OH 43545
Tel: 419.599.3993 Fax: 419.599.0109
Tel: 800.232.1066 Fax: 866.395.2347
Claims Fax: 419.592.6938

About Our Company

German Mutual Insurance Company is one of Ohio's oldest insurers, established in 1867 - just two years after the end of the American Civil War! The German Mutual Insurance Association of Defiance and Henry counties originally operated as an "assessment mutual" company - restricted to providing insurance against fire and windstorm damage to farmers in Northwestern Ohio.

In 1985 we converted to an "advanced premium mutual" company - which allowed us to offer automobile insurance, an expanded line of homeowners insurance products, and a variety of casualty lines. German Mutual also offers a full range of commercial insurance products as well as policies specifically structured for churches.

While our first policyholders were of German heritage - and received policies written in German - our policyholders are much more diverse today. In recent years, we have begun to brand many of our policies under the "Heartland" designation. This represents our rural base and caring attitude... some things never change!