Our Story

Local Heritage. Reliable Coverage.

Over 100 years ago, 35 men agreed to become a corporation under the name of  “Farmers and Mechanics Mutual Fire Insurance Company of West Virginia.” Our first policy was issued on March 5, 1878, making us the oldest Domestic Mutual Fire Insurance Company in the state.

More than a century later, we are still working hard for the people of West Virginia, Virginia, and beyond. Our Staff and Board of Directors continue to uphold our long standing commitment to the communities we serve.

Timeline: Farmers & Mechanics Insurance Companies

December 18, 1877 | Corporation was formed

March 5, 1878 | First policy was issued for $2,000 in coverage for Dry Goods and Notions

1920 | Assets were less than $28,000 and the policy limit was $3,000

1940 | Assets were over $115,000 and our office was located in the Shenandoah Hotel Building on the corner of Queen and Martin Streets in Martinsburg, WV

1941 | Adoption of Constitution and By-Laws recommended by the State Insurance Commissioner

1957 | Moved from the Shenandoah Hotel Building to the Appleby Building located at 127 West Burke Street in Martinsburg

1971 | Moved office to 109 South College Street in Martinsburg

December 9, 1994 | Moved to a beautiful three-story brick building at 1447 Edwin Miller Boulevard in Martinsburg

May 2, 2006 | Fire & Casualty Insurance Company was incorporated

June 2007 | Farmers & Mechanics Insurance Companies reached $20 Million in Surplus

September 29, 2016 | Entered into an affiliation agreement with Pulaski & Giles Mutual Insurance Company

Today | Farmers & Mechanics Mutual Insurance Company of West Virginia is the largest domiciled property and casualty carrier in the State of West Virginia. As a mutual company, we are proud to be owned by our policyholders rather than a group of stockholders. We provide a variety of policies for Homeowners, Farmowners, and Businessowners. In fact, we are the eighth largest Homeowner carrier and the second largest Farmowner carrier in the State of West Virginia.