About Us

Our History

River Falls Mutual Insurance Company was organized on July 1, 1876 to provide fire and lightning insurance to residents in nine townships in Pierce and St Croix Counties. At this time it was very difficult for rural farm sand homes to get affordable insurance from the market. By forming a town mutual they could share the risk and provide insurance to each other at an affordable cost.

In the 1960’s the company bylaws were amended so that its authorized territory would include all of Pierce and St.Croix counties. Then in the 1980’s they were further amended to include Dunn and Pepin Counties in western Wisconsin. In 2019, we added Barron and Polk County to our territory.

It truly is a way that Neighbors can insure Neighbors as the policyholders own the company. For over 130 years River Falls Mutual is committed to providing a full line of insurance coverage to its policyholders. Each year at its annual meeting board members are elected to form a management team that works with the manager to govern the Company. This board continually monitors the reinsurance contracts and investment policies to make sure that the company stays strong and limits its risk.

In the 1990’s The Dusek Agency was formed to provide customers with those products that the Mutual could not provide. This is a private agency that’s sole purpose is to provide these other products exclusively to Mutual policy holders. The Dusek Agency is continually adding companies to its product mix to insure we can offer these products at the best value to our Mutual policyholders.

Our Staff


From left to right:  Jeff Dusek, Kelly Andrea, Mary Cottrell.

Jeff Dusek jeff@riverfallsmutual.com
Kelly Andrea kelly@riverfallsmutual.com
Mary Cottrell mary@riverfallsmutual.com


Board of Directors

President Richard Ruemmele
Vice President Jeff Holst
Secretary-Treasurer Jeffrey D. Dusek
Timothy Wiff George Matzek
Daniel Puhrman Tim Wells