Business Details
Emergency
services
Your Trusted Local Insurance Partner in Boonville, MO
Founded in 1892, Clark's Fork Mutual Insurance has served the Missouri community for over 130 years. Established by a group of German farmers seeking mutual support, we operate as a cooperative where policyholders actively participate in ownership and decision-making. Our mission centers on delivering quality insurance products with value pricing while upholding core values of integrity, accountability, and loyalty to our policyholders. We specialize in homeowners, farmowners, and equipment breakdown insurance, maintaining a commitment to personalized service rooted in our 'Neighbors Helping Neighbors' philosophy. As a Chapter 380 mutual insurance company, we partner with Grinnell Mutual Reinsurance Company to ensure robust coverage and stability.Our board of directors, elected by policyholders, meets monthly to guide financial and operational decisions. With offices in Boonville since 1992, we combine deep local knowledge with over a century of industry experience to protect our community. Our team of seasoned professionals brings decades of combined expertise in claims management, underwriting, and risk assessment. We prioritize transparency in all operations, ensuring policyholders receive fair pricing and comprehensive coverage tailored to their needs. Our long-standing membership in the Missouri Association of Mutual Insurance Companies and NAMIC underscores our industry leadership and commitment to excellence.
Services
Homeowners Insurance
Farmowners Insurance
Equipment Breakdown Insurance
Highlights and features
- We offer over 130 years of experience in mutual insurance services.
- Our policyholder-owned structure ensures community-driven decision-making.
- We provide personalized service through local agents and office staff.
- Our partnership with Grinnell Mutual Reinsurance Company ensures financial stability.
- We maintain transparent pricing with no hidden fees.
Services
Homeowners Insurance
Our homeowners insurance protects personal property and liability risks for Missouri residents. This policy covers structural damage, personal belongings, and accident-related liabilities on your property. With customizable options, we ensure comprehensive protection tailored to individual needs while maintaining affordable pricing.
Farmowners Insurance
Farmowners insurance safeguards agricultural properties against crop loss, equipment damage, and liability claims. Designed for Missouri's farming community, this policy covers barns, livestock, and farm machinery while addressing unique risks associated with agricultural operations through specialized risk management solutions.
Equipment Breakdown Insurance
Equipment breakdown coverage protects against mechanical failures in home systems like HVAC, plumbing, and electrical. This policy covers repair costs and business interruption losses, providing financial security against unexpected equipment malfunctions that could disrupt daily operations or living conditions.
People
Donald "Will" Simmons
Company Manager
Leading operations since 2002, Donald brings extensive insurance management experience to our policyholder-focused approach.
Amy Ziegelbein
Office Manager
Managing office operations since 2013, Amy ensures efficient service delivery through organized administrative systems.
David Newsome
Claims and Inspections Manager
Handling claims since 2014, David provides expert assessment and timely resolution for policyholder incidents.
Herbert Twenter
Board President
As board president, Herbert guides strategic decisions with decades of local agricultural industry expertise.
Judith Simmons
Board Vice President
Vice President Judith contributes real estate insights and long-term community development perspective to governance.
Questions
How do I file a claim?
Call 660-882-7199 for emergencies or complete our online claim form for non-urgent requests.
What areas do you serve?
We primarily serve Missouri residents with local agent support across the state.
What insurance types do you offer?
We provide homeowners, farmowners, and equipment breakdown insurance policies tailored to Missouri needs.
How are policy rates determined?
Rates follow guidelines set by our reinsurer Grinnell Mutual, with board-approved structures ensuring fairness.
Can policyholders influence company decisions?
Yes - as mutual owners, policyholders vote annually on director elections and major company matters.
