Loudoun Mutual will never contact you directly via phone call to pay your bill. If your bill is overdue, we send a notice via USPS mail (or an email if you have paperless settings turned on). The notice lets you know your policy will be cancelled if payment is not received by a specified date.

Criminals are becoming more sophisticated and aggressive in their attempts to trick you into paying them or giving out personal information. Be especially wary of anyone stressing the urgency of the matter and demanding immediate payment. Do not give out your bank account number, credit/debit card number, or personal information to someone who calls you claiming to be an employee of Loudoun Mutual. To make a payment call us directly at (800) 752-3458 or call your agent.

Loudoun Mutual's 171st Year of Service to Our Policyholders

To Our Policyholders and Friends:

As we look back on 2020, there was much uncertainty in the world. Who could have foreseen in January where we would end in December? Reflecting on how 2020 unfolded, the most obvious unanticipated event was COVID-19. During Loudoun Mutual’s 171 years of helping policyholders, we have successfully worked through multiple pandemics. After the 2020 pandemic hit, Loudoun Mutual adapted quickly and overcame multiple operational challenges. We transitioned a large percentage of staff to remote work and ensured a safe work environment for all employees. The sincere and ongoing feedback we received from agents and policyholders indicated the challenges of COVID-19 never caused customer or claims service to suffer or deteriorate. We provided reassurance in an uncertain time. Adapting to remote work, combined with improved on-line platforms, strengthened Loudoun Mutual’s ability to serve our policyholders and agents in 2020, and in the future. Continuing our strategy of providing both high-touch and high-tech customer service, we have enhanced the “My Policy” features in the web portal.

Although COVID-19 did not have a significant financial impact on Loudoun Mutual, WEATHER did, as it did for the entire property insurance industry. Beginning in 2016 and continuing through 2020, weather events have increased in both frequency and the size of policyholder losses. Unfortunately, because of the ongoing impact of weather events, Loudoun Mutual and the entire industry has had to adjust premiums. However, despite ongoing storm activity, Loudoun Mutual’s financial and operational position remains very strong. The Company maintains a highly liquid and conservative balance sheet. Even with incurring an operating loss due to storm claims, the strong performance of the Company’s investment portfolio strengthened Loudoun Mutual’s policyholder surplus and overall financial security in 2020.

While enduring the current pandemic and increasing weather challenges, we pledge to maintain our tradition of service and financial security. We will continue to offer reassurance during uncertain times. Loudoun Mutual is a mutual insurance company; we are owned by and operated for the benefit of our policyholders. Our commitment is to continue to provide long-term stability and security and continue to give back to the communities we serve, as we have for the past 171 years.

To our existing policyholders — THANK YOU! We sincerely appreciate your business and look forward to continuing our tradition of service to you. We encourage you to contact your Loudoun Mutual agent to review your policy. Regular review of your insurance policy ensures we are doing everything we can to properly serve you and that you are receiving the best value for your premium dollar.

If you are a new policyholder to Loudoun Mutual — WELCOME! We hope to establish a tradition of service with you, demonstrating the long-term value, stability and security of placing your insurance with a mutual company that exists to serve you. Thank you for allowing us to serve your insurance needs.

Christopher G. Shipe, AIT, CPCU, President


Marilyn M. Adams, Purcellville, VA
Donald A. Butler, Stephenson, VA
Mary M. Finnell, Mauertown, VA
M. Byrd Inskeep, Culpeper, VA
Brian S. Montgomery, Warrenton, VA
C. William Orndoff, Jr, Clearbrook, VA
John R. Riley, Jr., Stephenson, VA
Richard C. Shickle, Winchester, VA
Christopher G. Shipe, Berryville, VA
Robert W. Smalley Jr., Berryville, VA


Richard C. Shickle, Chairman of the Board
Robert W. Smalley, Jr., Vice Chairman of the Board
Christopher G. Shipe, AIT, CPCU, President/CEO
Timothy J. Koppenhaver, ARM, PFMM, Executive Vice President
Dorothea C. Rohde, Corporate Secretary
Selena S. Duggar, Vice President-Claims
Kimberly A. Fry, CPA, Vice President, CFO-Treasurer
Todd E. Robertson, AIT, AIAF Vice President, Chief Information Officer