Frederick Mutual

Personal Lines and Commercial Lines

About Frederick Mutual

Welcome to Frederick Mutual Insurance Company (FMIC), where we empower our policyholders through shared ownership. With a history of 180 years, we have been committed to serving policyholders since our inception on December 15, 1843. Our journey began in Maryland and has since expanded into Pennsylvania, Virginia, Delaware, D.C., North Carolina, and South Carolina. As a testament to our dedication to excellence, we are the 3rd oldest insurance company in Maryland and the 9th oldest in the United States.

At Frederick Mutual, we collaborate with respected local independent agents who share our core values. Our commitment to innovation has led to the developing of new products and coverage enhancements as we expanded into new states. We aim to continue providing cutting-edge insurance solutions to our agents and policyholders throughout the year.

We offer competitive coverage for small businesses and homeowners in Maryland, Virginia, Delaware, North Carolina, Washington, D.C., and Pennsylvania. Our mission is to provide peace of mind to our policyholders by working closely with independent agents committed to delivering exceptional service.

Our knowledgeable team of underwriters, including executive underwriters, collaborate directly with our agents at their offices to bind business faster. We also have a dedicated, onsite claims department to ensure prompt and efficient claims processing. We prioritize maintaining a diverse and inclusive work environment as an equal-opportunity employer.

Choosing Frederick Mutual as your carrier provides your clients with superior coverage and aligns your agency with a company with a solid financial foundation and a reputation for protecting policyholders’ interests. We invite you to partner with us and experience the benefits of working with a company committed to keeping pace with an ever-changing industry.

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Please reach out to The AC, who will connect you to Frederick Mutual:


DE, DC, MD, NC, PA and VA