Farmers of Flemington is a Mutual insurance company with a long and proud tradition of service to our Policyholders.  As a Mutual, the collective interests of our Policyholders are our primary concern, not the interests of outside investors or stockholders.   Our focus is on providing our Policyholders with quality insurance products and superior service while maintaining our long-term financial strength so we will be here when they need us – just as we have been since 1856

That’s what we mean by, “Putting Our Policyholders First”.  

We invite you to click the links below to learn more about Farmers of Flemington and how we serve our Policyholders and the community.   If you like what you see, ask your Independent Agent about becoming a member of our Mutual.  We look forward to welcoming you!


What is a Mutual Insurance Company?

A Mutual insurance company is organized solely for the benefit of its Policyholders.  Profits earned by a mutual are reinvested into the company for the benefit of the Policyholders or returned to the Policyholders in the form of dividends.

In contrast, a stock insurance company is owned by investors who have purchased company stock.  Profits generated by a stock insurance company are distributed to the investors without necessarily benefitting the Policyholders.

With a mutual company, there is no conflict of interest between the short-term financial demands of investors and the long-term interests of Policyholders.

What is an Independent Agent?

Your Independent Agent works for you, not us.   So why does Farmers of Flemington offer our products exclusively through Independent Agents?   Click here to find out.