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1800s FarmingMerrimac Mutual Insurance Company was established November 25, 1873 and Lodi Mutual Fire Insurance was established March 28, 1877. For over 130 years the company’s business was conducted out of the homes of the Secretary. On October 1, 2008 the two companies merged under the name of Merrimac Lodi Mutual Insurance Company and are now renting office space in Prairie du Sac, WI. The company has two full time employees- General Manager and Administrative Assistant and they currently write business in Columbia, Sauk, Dane, Iowa, Richland and Juneau counties. The new company’s mission is to meet the insurance needs of its members through qualified agents, while providing quality insurance products and exceeding the member’s expectations of service and value while conducting all business in an ethical and honest manner. With the merger, the company hopes to better service their policyholders well into the future.

In the mid to late 1800’s, farmers could not afford (or the cost was too prohibitive) to purchase property insurance on their residence, personal property and outbuildings. In those days, stock insurance companies felt that if there was a farm fire, it would most probably be a total loss by the time the fire department arrived on the scene. Therefore, they were reluctant to insure farm property. At this time many local insurance companies sprang up throughout Wisconsin, at one time over 300 companies. They were called town mutuals and were only insuring for fire coverage. The format was that 25 farmers were needed to originate a company to insure each other’s losses. The concept was neighbor insuring neighbor. These community founded companies were organized and continue to operate under the supervision of a Board of Directors of local community members. Today Merrimac Lodi Mutual Insurance provides coverage for homeowners, farm owners, extended coverage, personal auto, mobile homeowners, dwelling packages, inland marine, watercraft, personal umbrella, commercial package policies, general liability, business owners and commercial property.

Serving the counties of Columbia, Dane, Sauk, Iowa, Richland and Juneau for over 135 years.

Mission Statement

We are a local property and casualty cooperative owned and directed by our members, the policyholders. Our Mission is to meet the insurance needs of our members through competent agents, while providing quality insurance products. We strive to exceed our members’ expectations of service and value while conducting all business in an ethical and honest manner.

Vision Statement

To remain a financially strong, proactive cooperative focused on meeting the property and casualty insurance needs of our members. To provide service through educated, informed, ethical licensed agents. To be open-minded and willing to explore other insurance ventures while maintaining the financial integrity of our cooperative. To increase member education of the town mutual insurance philosophy while maintaining a positive image and presence in our communities.


In case of a loss, notify your agent or our office as soon as reasonably possible. Give notice to the police when the act that causes the loss is a crime and give notice to the credit card company if the loss involves a credit card. Please be sure to take all reasonable steps to protect the property from any further loss. Do not begin to make any permanent repairs or dispose of any damaged property before an adjuster sees the damage or your loss may not be covered. Also, you may want to take photographs of your loss to substantiate your claim. Keep all receipts throughout the claim process for any repair or replacement items.


Monday – Thursday

8:30 a.m. – 4:30 p.m.



8:30 a.m. – 3:00 p.m.



By appointment