Message from the President

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.