Auto insurance
Liability, comprehensive and collision on one policy, with uninsured motorist written to match your bodily injury limits.
- BI / PD limits
- 100/300/50
- Comp / coll deduct.
- $500 / $500
- UM / UIM
- 100/300
$1,284 / yrSample. Not a quote.
A carrier built by people who built bridges
Ironclad Mutual is owned by its policyholders. There is no external shareholder whose return has to come out of a claim settlement.
The Cuyahoga valley, where the company started
Why the drawings
Four foremen from the Cuyahoga bridge shops started this company in 1948 because no carrier would write the trades they worked with at limits that meant anything. They were used to load ratings, tolerances and inspection reports, and they could not understand why a contract that decided whether a family kept its house was written to be difficult to read.
That is still the argument. A policy is a load path. It either carries what you put on it or it does not, and you should be able to see which before the load arrives rather than after. So we publish the form numbers, the limits, the deductibles, the exclusions and the licensing schedule, and we put the figures in a typeface where the columns line up.
A mutual company is owned by the people it insures. There is no separate shareholder return to protect, which does not make us saints, but it does remove one specific pressure that sits behind a lot of bad claims decisions in this industry.
The record
- 1948
- Founded on Superior Viaduct by four foremen from the Cuyahoga bridge shops, to insure the trades nobody else would write.
- 1954
- Licensed in Michigan. Auto becomes the largest line for the first time.
- 1968
- The Ohio flood year. Every claim in the Cuyahoga valley is settled without a coverage dispute, which is still the thing the company is proudest of.
- 1979
- Personal umbrella introduced, initially as an endorsement, later as its own form.
- 1994
- Business owner policies opened to the trades, then to practices and retail.
- 2011
- Single deductible per event adopted across the bundle tiers, ahead of the market.
- 2026
- Fourteen states, eight lines, and a published licensing schedule.
How to check a carrier, including this one
Two public sources will tell you more about any carrier than its own website ever will. Use them on us and on everyone else you are considering.
- NAIC complaint index1.00 = median
- Published by the National Association of Insurance Commissioners and normalised for company size, so a large carrier and a small one can be compared directly. Below 1.00 means fewer confirmed complaints than expected for that volume of premium.
- AM Best financial strengthA++ to D
- An independent estimate of the carrier's ability to meet its obligations to policyholders. It matters most in the years you hope never happen, when a large number of claims arrive at once.
- State department of insurancePer state
- Every state regulator keeps a public record of a carrier's licence status and any enforcement action. Our licensing schedule lists the regulator for each of the fourteen states we write in.
Every figure on this site is drawn, not decorated
Price the whole structure, not one piece of it.
Four steps, about sixty seconds, and no obligation. An agent reviews every line together so the limits actually meet.