Located in the Green Mountains of central Vermont and first established in 1874, Union Mutual has been providing quality insurance products for over 140 years. Operating through its extensive network of independent insurance agents, the Companies take great pride in focusing on outstanding service and treating others as we would like to be treated. The Companies' overall business philosophy and culture is one that strives to treat all of our business partners, be they policyholders, agents or vendors, with the highest level of fairness, integrity and respect. The Union Mutual of Vermont Companies is comprised of three insurance companies and one special purpose finance company. All are rated "A" (Excellent) with Stable Outlook by AM Best. - The Union Mutual Fire Insurance Company was organized in 1874 in Montpelier, Vermont. As a mutual company, it has no shareholders and is "owned" by its policyholders. It is licensed to sell its insurance products in the states of Vermont, New Hampshire, Maine, Connecticut, Massachusetts, Rhode Island and New York. - New England Guaranty Insurance Company, Inc. (NEG) is a wholly-owned subsidiary of Union Mutual and is licensed to sell insurance products in Vermont, New Hampshire, Maine, Massachusetts and New York. - Community Mutual Insurance Company (CMIC) is a wholly-owned subsidiary of Union Mutual. CMIC is a non-assessable advance premium co-operative insurance company licensed to sell insurance products in New York. - Union Guaranty Financial Services LLC is a wholly-owned specialty purpose finance subsidiary of Union Mutual.