Oregon Mutual Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Oregon Mutual Insurance Company Score
2.5 Stars
We award Oregon Mutual Insurance Company a final rating of 2.5 out of 5 stars. The carrier is highly rated by the Better Business Bureau, but is not accredited by the organization. The insurance company also has a below-average rating by AM Best that was recently downgraded even further.
Founded in McMinnville, Oregon, in 1894 by a close group of business owners, Oregon Mutual remains the oldest independent mutual insurance company west of the Mississippi. After more than 130 years in the industry, Oregon Mutual serves the personal, commercial, and agricultural insurance needs of individuals and businesses throughout Oregon, Washington, California, and Idaho.
We love that Oregon Mutual provides 24/7 phone claims reporting and works with independent insurance agents, but the carrier's lack of online claims reporting is puzzling. Further, the insurance company has some mixed and negative customer reviews, which are concerning. Overall, we recommend working together with a local independent insurance agent to survey several options, along with Oregon Mutual, to be your next trusted carrier.
Oregon Mutual Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Oregon Mutual Insurance Products by Type
Oregon Mutual Insurance offers the following types of insurance policies in Oregon, Washington, California, and Idaho:
Business Insurance:
- Business owners policy insurance
- Commercial property insurance
- Commercial liability insurance
- Professional liability insurance
- Cybercrime and data loss insurance
- Commercial auto insurance
- Equipment breakdown insurance
- Business interruption insurance
- Crime insurance
Other Insurance:
Oregon Mutual BOP Insurance
Oregon Mutual offers business owners policy (BOP) insurance for companies in several niches. These convenient coverage packages bundle commercial property insurance, business interruption, and general liability insurance to protect your business. Customers can then choose to complete their policies with any of the carrier's add-ons and endorsements, including the following.
Coverage types, features, & benefits:
Debris removal
Oregon Mutual's debris removal coverage can reimburse you for expenses stemming from debris removal after a covered loss, such as a fire, lightning, civil commotion, or explosion.
Extended business income
Oregon Mutual's optional extended business income coverage can increase the duration of your business interruption coverage, with the option to choose either 18 or 24 months.
Employee dishonesty
Oregon Mutual's employee dishonesty coverage can reimburse you for dishonest or fraudulent acts by your employees, such as theft. This coverage can provide a continued revenue stream while your business is unable to continue operations due to a covered loss.
CyberOne and data compromise
Oregon Mutual's cyber and data coverage can reimburse you for expenses related to computer system or electronic data damage due to a cyberattack, virus, or data breach. This coverage can also pay for your business's legal defense in the event of a lawsuit.
Oregon Mutual Business Insurance Average Prices
Oregon Mutual does not make its average business insurance rates readily available online without requesting a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of commercial insurance you need and also compare quotes from multiple carriers for you. You can get a better idea of how much a commercial insurance policy might cost you by using our business insurance calculator.
Oregon Mutual Farm and Ranch Insurance
Oregon Mutual offers farm, ranch, and agribusiness insurance that comes with coverage for your operations, commercial vehicles, equipment, electronic data, liability, and more. The carrier also offers the following coverage options.
Coverage types, features, & benefits:
Bee board
Oregon Mutual's farm and ranch policies can include coverage for bee boards and bee larvae.
Orchards and vineyards
Oregon Mutual's orchards and vineyards endorsement can cover losses due to damage of harvested produce resulting from transit or contamination, as well as physical damage to signs, vines, and trees.
Equine care, custody, and control
Oregon Mutual's equine coverage can reimburse you for losses related to the death, injury, theft, or illness of any non-owned equine animal due to a covered incident, such as during transit.
Disruption of farming operations
Oregon Mutual also provides business interruption coverage for your farm, ranch, or agribusiness due to a covered loss.
Oregon Mutual Farm and Ranch Insurance Average Prices
Oregon Mutual does not make its average farm and ranch insurance rates readily available online without requesting a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of farm and ranch insurance you need and also compare quotes from multiple carriers for you.
What Discounts Does Oregon Mutual Offer?
Oregon Mutual does not publish information about its specific discounts. However, an independent insurance agent can find this information for you. When it comes to coverage, independent insurance agents work hard to help you save the most money possible on a policy that delivers all the protection you need.
Oregon Mutual Customer Service
Here's an overview of Oregon Mutual’s customer service options and availability.
- Phone
- Online contact form
- 24/7 phone claims reporting
- Customer service phone department hours restrictions are not published
| Days | Hours | ||
| Monday-Sunday | NOT SPECIFIED |
Oregon Mutual encourages its customers to work with their independent insurance agents, who can provide more personalized service.
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Oregon Mutual Insurance FAQs
Oregon Mutual does not publish an average claims response time.
Oregon Mutual encourages its customers to get policy service from their independent insurance agents. The company offers customer service by phone and email, as well. The carrier does not offer online claims reporting.
Oregon Mutual has 24/7 claims service, with a toll-free number that can be contacted at any time to report a claim. However, the carrier does not detail its step-by-step claims process. An independent insurance agent can also file claims for you and keep you updated through every step of the process.
Oregon Mutual does not provide online claims reporting, but does offer 24/7 phone claims reporting. The carrier's customer service phone department hours are not specified. Oregon Mutual does have a social media presence that extends across Facebook, LinkedIn, X, and Instagram. Overall, Oregon Mutual provides a fairly user-friendly experience.
Oregon Mutual provides several coverage options for farm, ranch, and agribusiness owners. Customers can get coverage for their equipment, operations, equine animals, commercial vehicles, bee boards, orchards, electronic data, and much more.
Oregon Mutual has well over a century of experience protecting individuals and businesses on the West Coast. It has an excellent rating from the BBB, but a below-average rating by AM Best that was recently downgraded even further. The carrier also has some mixed and negative customer feedback. So, it may be up to individual interpretation as to whether Oregon Mutual can be considered a good insurance company.
Oregon Mutual's insurance products may be right for customers in California, Idaho, Washington, and Oregon seeking farm and ranch insurance, business insurance, or winery insurance. The carrier lists that its farm and ranch policies are right for owners and operators of the following:
- Berry farms
- Cattle and other livestock
- Custom farming
- Farms with agritainment
- Fruit and nut orchards
- Grain and field crops
- Animals grazing away from the premises
- Hobby farms
- Equestrian boarding, lessons, training
- Farm stands
- Hop farms
- Vegetable and fruit row crops
- Vineyards
An independent insurance agent can help you find out more about Oregon Mutual's farm and ranch insurance and other policies to determine if the carrier's coverage is right for you.
https://www.ormutual.com
https://www.bbb.org/us/wa/lynnwood/profile/auto-insurance/oregon-mutual-insurance-company-1296-22014277
https://news.ambest.com/pr/PressContent.aspx?refnum=36124&altsrc=2