1997

Cincinnati Branch Office

1858: Beginning of a Long Cincinnati History
The Cincinnati Branch originally began as the German Mutual Insurance Company, founded in 1858 by German immigrant Heinrich (Henry) Armin Rattermann. German Mutual survived early attacks by stock companies and discriminatory actions against German-Americans during World War I. In 1918, documents were translated to English, and the name was changed to The Hamilton County Mutual Fire Insurance Company. In 1957, the company merged with Druggist Mutual Insurance Company of Mansfield, Ohio, to become Hamilton Mutual Insurance Company of Cincinnati, Ohio.

1962: New Lines of Business
Hamilton Mutual entered the casualty business in 1962, and new lines were added through the mid-1970s. Challenges came from natural disasters, including the Xenia, Ohio, tornado in 1974, stock market fluctuations and underwriting results, but the company continued to prosper into the 1990s. In 1992, Hamilton was named “The Number One Company in the State” by the Michigan Professional Insurance Agents’ Association.

1997: Affiliation With EMC
A series of losses and other factors led Hamilton Mutual to investigate partnering possibilities with three other companies. Following negotiations, Hamilton and EMC agreed to affiliate through a pooling agreement. Hamilton remained an Ohio corporation and effectively became EMC’s Cincinnati Branch. Most of Hamilton Mutual’s 85 employees continued working under the new arrangement. Hamilton’s force of 310 agencies provided strong personal lines business, new opportunities for commercial business in Ohio and Kentucky, and increased volume in Indiana and Michigan. To streamline operations, Hamilton’s Michigan business was transferred to the Lansing Branch, and Lansing’s Indiana business was transferred to Cincinnati.

2011: Strength, Stability, Service
Today, the Cincinnati Branch has approximately 70 employees working under Branch Manager Kent Kochheiser. They serve 175 agencies, and their book of business is 56 percent commercial lines and 44 percent personal lines. The branch’s written premium for 2010 was more than $74.5 million.