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About
CFM Insurance

Our Missouri
Roots Run Deep

CFM Insurance has a strong, reputable history of protecting Missouri properties that date back to 1867. Formally organized in 1869 in the small town of Concordia, Missouri, the mutual philosophy started an honest, fast-growing company. Through its 150+ year history, CFM has evolved into a progressive, forward-thinking Missouri Mutual dedicated to building strong relationships with its policyholders, agents, and community leaders, providing modern, personalized insurance packages, and simply being good to people. The company offers an inspiring work environment for its bright team of insurance professionals and generously gives back to the communities and causes that built it so many years ago.

THE CFM NETWORK STRETCHES FAR AND WIDE ACROSS MISSOURI

CFM benefits from an impressive network of agents in every Missouri county, including over 200 agencies and more than 600 producers. The company protects more than 26,000 policyholders and has over $7 billion of insurance in force across the state. By placing a strong focus on modern technology, CFM has worked to streamline the insurance experience for both policyholders and agents. This technology, coupled with the expertise of knowledgeable and helpful industry leaders internally, has established CFM Insurance as a first-choice for customers shopping in 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:

 
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.
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
Central Mutual Insurance Company is organized as the Johnson County Mutual Insurance Association by members of The Church of the Brethren.
The company celebrates its 100th Anniversary and moves into the new Home Office building, constructed to coincide with the Anniversary.
Central Mutual Insurance Company continues to grow due to several mergers during these years.
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.
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.

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.
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 (link to Community First page explaining our mission/vision?) 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.
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 (link to auto page) – a policy line that hadn’t ever been on the table for promotion until then.

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.
Central Mutual Insurance Company is organized as the Johnson County Mutual Insurance Association by members of The Church of the Brethren.
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
Central Mutual Insurance Company continues to grow due to several mergers during these years.
The company celebrates its 100th Anniversary and moves into the new Home Office building, constructed to coincide with the Anniversary.
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.
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.

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.
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 (link to auto page) – a policy line that hadn’t ever been on the table for promotion until then.
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 (link to Community First page explaining our mission/vision?) 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.