Our Five Year Plan

[icon color=”Accent-Color” size=”large-2″ icon_size=”” image=”fa-search”]Focus through Simplifying and Prioritizing Processes and Policies

Meramec Valley offers a broad range of residential property insurance but will continually develop a focus on a much smaller, targeted market of Actual Cash Value policies. The goal is a continual increase in higher quality ACV properties and a decrease in high-valuation Home Owners policies. Those focused lines include:

  • Introduce New Contents-Only and Condo Policies
  • SafeGuard ACV Broad Form Owner and Tenant-Occupied Dwellings
  • Mobile Homes


[icon color=”Accent-Color” size=”large-2″ icon_size=”” image=”fa-leaf”] Grow with Planned and Disciplined Emphasis on the Essentials

Meramec’s goal is a steady, profitable growth in Territory, Risk, and Capacity.


  • Spread geographically to an area north to Hannibal and west to Mexico, MO to give more storm protection


  • Risk In Force RIF – To increase no more than 5% per year to an amount of $674,000,000 by January 1, 2020
  • Average Rate – Hold to an average rate per $1,000 of no less than $7.80
  • Valuations – Keep property valuations current by inspections and close renewal underwriting


  • Investment Yield – Increase Investment Yield each year using statutorily-approved financial vehicles.
  • Net Premium to Surplus Ratio – Build to 7:1 ratio with an ultimate goal of 10:1
  • Reinsurance Loss Ratio – Strive to maintain a reinsurance loss ratio of less than 60%


[icon color=”Accent-Color” size=”large-2″ icon_size=”” image=”fa-compress”] Connect by Mindful and Relevant Communications Between all Stakeholders

Utilize state-of-the-art electronic technologies while maintaining the human element and accessibility. High-Tech and High-Touch.  Utilize electronic and direct forms of communication by and between:

  • Agency Connections
  • Board of Directors Connections
  • Insured Connections
  • Vendor/Partner Connections