About Fergus Farm Mutual
Fergus Farm Mutual is a MONTANA insurance company created specifically for Montanans. We insure only within the state, so our rates aren’t affected by catastrophic losses elsewhere in the country. Because we focus solely on Montana, we truly understand our policyholders, their properties, and the risks they face—helping us keep losses down and coverage reliable.
We partner exclusively with licensed, independent Montana insurance agents, so when you call, you’ll speak with a real person who knows your community and genuinely cares about your needs. When it comes to claims, we rely on experienced Montana-based adjusters. Our statewide network ensures your claim is handled quickly, fairly, and locally—even during widespread catastrophic events.
As a mutual company, we are owned by our policyholders—not shareholders. That means you have a voice in how we operate. We are regulated by the Montana Commissioner of Securities and Insurance and maintain strong financial stability.
At Fergus Farm Mutual, local knowledge, personal service, and accountability aren’t just values—they’re how we do business.
Fergus Farm Mutual History
In 1908 the existing insurance companies would not insure rural property. A group of farmers and ranchers in Fergus County pooled their money together and paid each others losses as they occurred. Thus was Farmers Mutual Fire and Lightning Insurance Association of Fergus County born.
Our name has since been shortened to Fergus Farm Mutual. We have evolved into a state-wide insurance company that can handle any of your property and casualty needs. We have licensed Montana agents to write your policy and a network of licensed Montana adjusters to handle your loss should you have one.
We are reinsured by companies that must be approved by the state and we belong to both a state and a national mutual insurance association. We’ve been writing insurance for 100 years and plan on being here for at least another 100 years.