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Our Missouri
Roots Run Deep

CFM Insurance boasts a strong, reputable history of protecting Missouri properties dating back to 1867. Established formally in 1869 within the quaint town of Concordia, Missouri, CFM Insurance was founded on the principles of mutual philosophy, igniting the inception of a trustworthy and rapidly expanding company.

Over the course of 155 years, CFM has undergone a transformative journey, evolving into a dynamic and forward-looking Missouri Mutual. Committed to cultivating impactful relationships with our policyholders, agents, and community leaders, we offer modern, personalized insurance solutions while upholding the core value of treating people with integrity and respect.

Our organization not only provides a stimulating and collaborative work environment for our talented team of insurance professionals but also remains dedicated to giving back to the communities and causes that have been instrumental in shaping our trajectory over the years.

THE CFM NETWORK STRETCHES FAR AND WIDE ACROSS MISSOURI

With an extensive network of agents covering every county in Missouri, CFM benefits from over 200 agencies and more than 600 producers. Our company safeguards the interests of over 40,000 policyholders, with $7 billion of insurance coverage across the state. By prioritizing cutting-edge technology, CFM has revolutionized the insurance experience for both policyholders and agents alike. This commitment to innovation, combined with the expertise of our dedicated industry leaders, positions CFM Insurance as the premier choice for customers navigating the Missouri market.

APPRECIATING OUR PAST; ESTABLISHING OUR FUTURE

The company has worked hard to preserve and respect its history while steadily moving forward in an innovative nature to maintain its status as one of the best property and casualty insurers in the state of Missouri. Everyone at CFM Insurance believes strongly that our continued success for the future is dependent on the beneficial and genuine relationships between those in our circle: valued policyholders, agents, and staff.

Take A Look At
CFM's Steady Progression
Over Time:

 
1869
CFM is founded as the Aid Association by a group of farmers in the Concordia community. Their main goal is to protect community members from the dreaded threat of fire.
1920 - 1938
The Aid Association undergoes three name changes
The Aid Association undergoes three name changes: Freedom Farmers Fire Benevolent Association, Freedom Farmers Insurance Company, and Concordia Farmers Mutual Insurance Company. Policies are now issued, more business-like records and practices are adopted, and a Secretary-Manager is employed to manage the company
1896
Central Mutual Insurance Company is organized as the Johnson County Mutual Insurance Association by members of The Church of the Brethren.
1969
The company celebrates its 100th Anniversary
The company celebrates its 100th Anniversary and moves into the new Home Office building, constructed to coincide with the Anniversary.
1969 - 2006
Central Mutual Insurance Company continues to grow due to several mergers during these years.
2010
Concordia Farmers Mutual and Central Mutual Insurance Company merge into CFM Insurance, Inc., ranking CFM in the top three of the largest farm mutual insurance companies in the state of Missouri. The merger brings the increased capacity for business, additional expertise, the potential for advances in technology, and more excellent prospects for ensuring the future of the company for many years to come. CFM begins the process of converting all paper files to an electronic filing system.
2019
The Company observes its 150th Anniversary. The anniversary year called for an exclusive commemorative logo design, numerous celebratory events and projects, and brainstorming what the 2020-and-beyond brand would look like and stand for.
The Company observes its 150th Anniversary.
In the process of honoring its 150th year in business, CFM also managed to mark a new, monumental milestone. While it wasn't without several challenges and set-backs, CFM Insurance made history in the insurance industry as the first-ever chapter 380 mutual insurance company to acquire a chapter 379 stock company.
2020
CFM Insurance
The Company unveils its new brand. Built by Missouri’s many rural, interwoven communities, CFM has always made it their sole mission to religiously give back to each place its policyholders call home. This heartfelt mission (https://cfmimo.com/communityfirst) molded an entirely new CFM brand after its 150th year came to a close and morphed seamlessly into a similar marketing strategy for the revamped Cornerstone National Insurance (CNI) brand.
2019
CFM
On March 1, 2019, Cornerstone National Insurance Company, based in Columbia, Missouri, became a wholly-owned subsidiary of Innovated Holdings. Innovated Holdings, a CFM subsidiary, then contributed a large sum in paid capital to Cornerstone National Insurance Company on February 27, 2019. As a once small, modest Mutual, CFM proved what its newfound futuristic mindset was truly made of by taking on a stock insurance company comprised of a completely different product line and market than its own. This beneficial business move opened the door for CFM to offer its customers an Auto product (https://cfmimo.com/products/auto) – a policy line that hadn’t ever been on the table for promotion until then.
2023
Stronger Together. On January 1, 2023, CFM welcomed two established Missouri Mutuals into our Insurance family through beneficial mergers. Lewis County Mutual Insurance Company and Meramec Valley Mutual Insurance Company merged into CFM Insurance, Inc.
2023
Stronger Together. On July 1, 2023, through an advantageous merger, CFM welcomed Gasconade Farmers Mutual Fire Insurance Company into our insurance family. They are now CFM Insurance, Inc.
2024
Stronger Together. Farmers Mutual Insurance Company of Daviess County, Farmers Mutual of Livingston County, and Farmers Mutual Insurance Company of Adair County merge into CFM Insurance, ensuring a lasting legacy for their policyholders and staff.

Take A Look At
CFM's Steady Progression
Over Time:

 
1869
CFM is founded as the Aid Association by a group of farmers in the Concordia community. Their main goal is to protect community members from the dreaded threat of fire.
1920 - 1938
The Aid Association undergoes three name changes
The Aid Association undergoes three name changes: Freedom Farmers Fire Benevolent Association, Freedom Farmers Insurance Company, and Concordia Farmers Mutual Insurance Company. Policies are now issued, more business-like records and practices are adopted, and a Secretary-Manager is employed to manage the company
1896
Central Mutual Insurance Company is organized as the Johnson County Mutual Insurance Association by members of The Church of the Brethren.
1969
The company celebrates its 100th Anniversary
The company celebrates its 100th Anniversary and moves into the new Home Office building, constructed to coincide with the Anniversary.
1969 - 2006
Central Mutual Insurance Company continues to grow due to several mergers during these years.
2010
Concordia Farmers Mutual and Central Mutual Insurance Company merge into CFM Insurance, Inc., ranking CFM in the top three of the largest farm mutual insurance companies in the state of Missouri. The merger brings the increased capacity for business, additional expertise, the potential for advances in technology, and more excellent prospects for ensuring the future of the company for many years to come. CFM begins the process of converting all paper files to an electronic filing system.
2019
The Company observes its 150th Anniversary. The anniversary year called for an exclusive commemorative logo design, numerous celebratory events and projects, and brainstorming what the 2020-and-beyond brand would look like and stand for.
The Company observes its 150th Anniversary.
In the process of honoring its 150th year in business, CFM also managed to mark a new, monumental milestone. While it wasn't without several challenges and set-backs, CFM Insurance made history in the insurance industry as the first-ever chapter 380 mutual insurance company to acquire a chapter 379 stock company.
2020
CFM Insurance
The Company unveils its new brand. Built by Missouri’s many rural, interwoven communities, CFM has always made it their sole mission to religiously give back to each place its policyholders call home. This heartfelt mission (https://cfmimo.com/communityfirst) molded an entirely new CFM brand after its 150th year came to a close and morphed seamlessly into a similar marketing strategy for the revamped Cornerstone National Insurance (CNI) brand.
2019
CFM
On March 1, 2019, Cornerstone National Insurance Company, based in Columbia, Missouri, became a wholly-owned subsidiary of Innovated Holdings. Innovated Holdings, a CFM subsidiary, then contributed a large sum in paid capital to Cornerstone National Insurance Company on February 27, 2019. As a once small, modest Mutual, CFM proved what its newfound futuristic mindset was truly made of by taking on a stock insurance company comprised of a completely different product line and market than its own. This beneficial business move opened the door for CFM to offer its customers an Auto product (https://cfmimo.com/products/auto) – a policy line that hadn’t ever been on the table for promotion until then.
2023
Stronger Together. On January 1, 2023, CFM welcomed two established Missouri Mutuals into our Insurance family through beneficial mergers. Lewis County Mutual Insurance Company and Meramec Valley Mutual Insurance Company merged into CFM Insurance, Inc.
2023
Stronger Together. On July 1, 2023, through an advantageous merger, CFM welcomed Gasconade Farmers Mutual Fire Insurance Company into our insurance family. They are now CFM Insurance, Inc.
2024
Stronger Together. Farmers Mutual Insurance Company of Daviess County, Farmers Mutual of Livingston County, and Farmers Mutual Insurance Company of Adair County merge into CFM Insurance, ensuring a lasting legacy for their policyholders and staff.