Rely on Our Financial Strength
Shelter Insurance® is a dynamic group of companies providing financial products and services to individuals and businesses. Headquartered in Columbia, MO, Shelter has become one of the nation's most successful and financially sound groups of insurance companies.
While Shelter's primary focus has remained auto and home insurance for customers located primarily in the Midwestern part of the United States, life insurance and reinsurance operations have become significant contributors to the total organization.
Shelter Insurance Companies' long-term, conservative financial approach and strong adherence to underwriting principles insure we will remain strong in meeting obligations to our policyholders, agents, and employees well into the future.
Annual Reports
Our annual report includes a wealth of financial information and company news. The publications are available below as a PDF.
AM Best's stable A (Excellent) rating reflects our ability to serve our policyholders through our strong capital position, management's underwriting discipline, and well-established regional market presence.
| AM Best Company | |
| Shelter Mutual | "A" (Excellent) |
| Shelter General | "A" (Excellent) |
| Shelter Life | "A" (Excellent) |
| Shelter Reinsurance | "A" (Excellent) |
| AmShield Insurance | "A" (Excellent) |
| Haulers Insurance | "A" (Excellent) |
(Ratings verified 11/2025)