In the late 1800's, Missouri farm mutual insurance associations were formed to help farmers build back after fire losses. On May 29, 1895 a group of German speaking farmers located North of California, Missouri, near the old Highland School, formed the Highland Farmers Fire and Lightning Association – the first bylaws were written in German. To join, a member paid a $1 membership fee and identified risks -- $300 house, $80 barn, etc. When a loss occurred the member was assessed a percentage of the risk.
Today, most companies have a premium charge. Highland Mutual has still maintained the assessment basis, but has established rates similar to premium charges.
Over the years, Highland Mutual has merged with neighboring mutual insurance companies. On January 1, 2002, Highland merged with the Jamestown Fire Insurance Company, on January 1, 2006, Highland merged with Hazel Dell Mutual Insurance Company and on September 1, 2006 Highland merged with German Salem Aid Association of Missouri.
OFFICERS AND BOARD OF DIRECTORS
Larry Rohrbach – President
Wayne Dummermuth – Vice President
Janet Wolfrum – Secretary
Patricia Inglish – Treasurer