Message from the President



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On March 12, 1849 the citizens of the village of Waterford, Virginia made a personal commitment to help their neighbors by forming "The Mutual Fire Insurance Company of Loudoun County." It truly was a personal commitment because the early policyholders signed a note stating they would be responsible for an additional premium assessment should the company not have enough funds to pay the claims of their neighbors. Fortunately, through good stewardship and providence, Loudoun Mutual never had to make that additional premium assessment of its policyholders.

There is a definite difference when it comes to how insurance companies are organized and run. As a mutual company, we exist for the benefit of our policyholders. Simply stated, because we are a mutual insurance company, we put policyholders' interests before profits. A lot has changed since 1849, but Loudoun Mutual's strong commitment to helping our policyholder - owners has not. From that original commitment of neighbor helping neighbor, Loudoun Mutual has built a tradition of service to policyholders by continually updating and broadening products and services to meet policyholders' changing needs. Today, we have become Virginia's property insurance specialists. At Loudoun Mutual we have a variety of programs to insure many different types of properties. Please check out the other pages on this website to learn more about the insurance programs Loudoun Mutual offers. The company has also built and maintained strong financial security, allowing Loudoun Mutual to respond to policyholders' needs during catastrophic events.


Loudoun Mutual is represented throughout the Commonwealth of Virginia by a network of professional independent insurance agents. Their insurance knowledge and local expertise means your Loudoun Mutual insurance policy will be specifically designed to meet your needs. To find a Loudoun Mutual agent near you, please check out the agent locater section of the website or call us at 800.752.3458. One of the Loudoun Mutual advantages is a real person will be there to answer your call 24 hours a day seven days a week.

Loudoun Mutual Insurance Company is rated A (Excellent) by AM Best, the premier insurance rating organization. Through conservative investing, the use of technology, and prudent risk selection, Loudoun Mutual is committed to continuing its Tradition of Service. Please contact a Loudoun Mutual Agent to discuss how Loudoun Mutual can help meet your insurance needs today!