Franklin Farmers Mutual Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Unable to access an official Franklin Farmers Mutual Insurance underwriting, appetite, or producer guide online. The carrier appears to be a Wisconsin town mutual based in Spring Green, WI, writing primarily homeowners and farm-related property business within Wisconsin. Public directory and regulator references describe the company as specializing in homeowners and farm insurance, but do not provide operational underwriting granularity. Preferred business (inferred from profile and town‑mutual norms, not from a formal guide): - Personal homeowners in the carrier’s traditional service area (rural and small-town Wisconsin communities around Spring Green and nearby counties). - Farm and rural property risks consistent with local-agriculture exposures (family farms and owner‑occupied dwellings associated with farm operations). Restricted or declined classes (not explicitly published): - No authoritative list of prohibited classes, special hazards, or protection‑class limits is publicly available. - No evidence of appetite for non‑property lines (e.g., auto, standalone liability, or specialty commercial) beyond basic home/farm property and related liability. Geographic notes: - Identified by Wisconsin Office of the Commissioner of Insurance as a Wisconsin town mutual; such companies generally write in-state only. - Public profiles and agency descriptions reference Wisconsin communities and do not indicate any operations outside Wisconsin. Submission requirements and workflow: - No formal producer, broker, or ‘how to submit business’ page is available on the public web. - Agency marketing pages indicate that independent agencies place homeowners and farm accounts with Franklin Farmers Mutual, implying business is submitted via appointed local agencies rather than direct-to-consumer. Broker/producer instructions: - No published producer manual, appointment criteria, or underwriting contact instructions could be located. Operational note: - Wisconsin OCI documents confirm Franklin Farmers Mutual is an active town mutual insurer, and also describe a proposed merger with All‑Star/Newark Mutual Insurance Company and an eventual name change of the surviving entity to Riverside Mutual Insurance Company, but they do not contain product‑level appetite or risk‑selection rules. Retail agents should confirm current name, licensing status, and rating plans directly with the company or through their general agent before placing new business.