“Virtually” the Best Team in the Industry

Our office is virtual because 97% of our employees work from home. It's not for everyone, but it's worked well for us since 2006, and our employees love it. Since we commenced our virtual operations, our revenues have multiplied five times and our team has more than doubled. Join the best insurance professionals in the industry!

Benefits
  • Group Health and Life Insurance
  • Defined Benefit Pension Plan
  • Employer Matched 401K
  • Work From Home
  • Internet Reimbursement
  • Competitive Paid Time Off
  • Paid Holidays
  • Educational Reimbursement Opportunites
  • And Much More....
Fun Facts
97%
MFM Employees that work from home
8%
Average Annual Employee turnover versus industry average of 25%
Current Openings

Agency Service Specialist

Midwest Family Mutual is seeking a detail-oriented, customer-focused Agency Service Specialist to join our Agency Service Center team. In this role, you’ll serve as a connection point between our company, independent agents, and policyholders—ensuring timely, accurate processing of business while delivering a high-quality service experience.

 

This position is ideal for someone who thrives in a fast-paced environment, enjoys problem-solving, and takes pride in delivering exceptional service. Strong commercial lines experience and the ability to manage a high-volume workflow are essential to success.

 

Midwest Family Mutual is a Property & Casualty insurance company with a long-standing commitment to service, relationships, and innovation. We have successfully operated as a fully remote organization since 2006, fostering a collaborative and flexible work environment without plans to return to a traditional office setting.

 

*Work hours for this position are 9:00am – 6:00pm CT; Monday – Friday, with occasional overtime.

 

Key Responsibilities

Additional duties may be assigned based on business needs.

  • Process & Review Business: Accurately review and process commercial quotes and new business applications in a timely manner
  • Agent & Customer Support: Respond to agent and policyholder inquiries via phone, email, and chat with professionalism and urgency
  • Billing Assistance: Address billing questions and process payments efficiently
  • Policy Servicing: Support personal lines changes and quoting as needed
  • Cross-Functional Collaboration: Partner with Underwriting, Marketing, and other internal teams to deliver seamless service
  • File & Data Management: Maintain accurate, organized records within a paperless system
  • Service Excellence: Deliver consistent, high-quality customer service in a high-volume environment

Qualifications

  • Minimum 3+ years of Property & Casualty insurance experience (commercial lines strongly preferred)
  • Proven experience in a high-volume, customer service or call center environment
  • Strong communication skills (written and verbal) with the ability to engage effectively across audiences
  • Excellent attention to detail and organizational skills
  • Ability to work independently while contributing to a remote team environment
  • Strong data entry and system navigation skills

 

Work Environment & Requirements

  • Fully remote, work-from-home position
  • Dedicated home office space required
  • Reliable, high-speed wired internet connection required
  • Occasional travel to the Iowa office may be required

 

Education & Professional Development

  • High School Diploma or GED required
  • Insurance designations (e.g., CPCU, CIC, INS) are a plus and encouraged

 

Why Join Midwest Family Mutual?

  • Established remote-first culture with long-term stability
  • Collaborative, team-oriented environment
  • Opportunity to deepen expertise in commercial and personal lines
  • Meaningful work supporting agents and policyholders every day

Property and Casualty Service Representative

Midwest Family Mutual is a regional carrier operating in 23 states offering a full array of Commercial & Personal Property and Casualty lines of business. We are looking for a self-motivated, energetic and experienced service representative.

This position entails Property and Casualty policy processing, including claims and underwriting clerical work. Qualified candidates will have a minimum of 2 years experience in Property and Casualty insurance. This is a work from home position that will require high speed internet access, home office, and travel into the office as requested.

This is a telework (work from home) desk position and requires someone who can work independently and as part of a remote team environment. Days/Hours: Monday through Friday; 8:00am – 5:00pm.   A dedicated home office space, wired high speed cable/DSL internet connection, and ability to work well in this type of environment is required.

As a Service Representative, you will provide exceptional customer service while completing the following tasks accurately and efficiently:

  • Processing Personal and Commercial Lines endorsements.
  • Managing renewals for Commercial Lines accounts.
  • Ordering and reviewing property inspections and building cost estimators.
  • Responding to correspondence and emails promptly and professionally.
  • Performing additional processing and reporting tasks as assigned.

Qualifications/Requirements:

  • Minimum of 2 years of Property & Casualty insurance experience.
  • Strong understanding and working knowledge of personal and commercial policies and coverages.
  • Excellent communication and interpersonal skills.
  • Ability to work independently and manage responsibilities effectively in a remote work environment.
  • Strong organizational skills and attention to detail.
  • Proficiency in Microsoft Office Suite.
  • Access to high-speed internet and a dedicated home office space.
  • Availability to travel to regional and/or corporate offices when requested (minimal travel required).
  • High School Diploma or GED required.
  • Insurance Designation preferred (CISR, INS, CPCU, CIC, AU)

General Liability Claims Adjuster

Join our team as a General Liability Claims Adjuster, where your expertise, problem-solving skills, and dedication to fair claim resolution will make a real impact. This role demands strong analytical abilities, sound judgment, and top-tier customer service to support agents and policyholders.

MFM is proud to be a full-time, work-from-home company, providing employees with the flexibility and support to thrive remotely.

 

Key Responsibilities

  • Investigate & Evaluate – Conduct in-depth claim investigations, gather recorded statements, and determine coverage
  • Reserve Management - Timely & Adequate reserving.
  • Document Management – Maintain organized, professional claim files, reports, and communications
  • Negotiate & Resolve – Strategically negotiate settlements to achieve fair, timely resolutions.
  • Stay Current – Keep up with evolving legal statutes, policy conditions, and industry trends.
  • Navigate Technology – Operate seamlessly within a paperless Claims Management System.
  • Engage in Legal Proceedings – Travel as needed for depositions, mediations, and trials.

Qualifications & Experience

  • 2+ years handling Commercial Liability claims, inclusive of litigation experience.
  • Strong negotiation, analytical, and problem-solving skills.
  • Excellent written and verbal communication abilities.
  • Proficiency in Microsoft Word and Excel.
  • Highly organized with keen attention to detail.
  • Ability to work independently in a fully remote setting.
  • Experience with mediations, arbitrations, and settlement negotiations.
  • Strong collaboration with legal counsel and claims teams.

Work Conditions

  • Fully remote role – Work from home full-time.
  • Standard 40-hour workweek – Flexibility within structured hours.
  • Tech-driven environment – Frequent computer and phone use.
  • Some travel required – For legal proceedings and meetings.

Commercial Auto Bodily Injury Adjuster - Casualty Insurance

Midwest Family Mutual Insurance Company (MFM), headquartered in Urbandale, IA, has been a trusted insurance provider since 1891. As a super-regional mutual insurer, we deliver top-tier personal and commercial coverage across multiple states. We prioritize financial stability, customer service excellence, and innovation, fostering a collaborative and forward-thinking work environment. MFM is proud to be a full-time, work-from-home company, providing employees with the flexibility and support to thrive remotely.
Join our team as a Commercial Auto Bodily Injury Claims Adjuster, where your expertise, problem-solving skills, and dedication to fair claim resolution will make a real impact. 
Position Overview
The Commercial Auto Bodily Injury Claims Adjuster is responsible for the end-to-end management of complex liability claims, requiring a high level of analytical thinking, sound judgment, and professional discretion. This role involves conducting thorough investigations, evaluating coverage and liability, and driving timely, fair claim resolutions while maintaining accurate reserves and comprehensive documentation.
The adjuster serves as a key point of contact for agents, policyholders, and legal partners, delivering responsive, high-quality service throughout the claims lifecycle. Success in this position requires strong negotiation skills, attention to detail, and the ability to navigate evolving legal and regulatory environments. The role also demands proficiency in a paperless claims system and a willingness to participate in legal proceedings, including travel for mediations, depositions, and trials as needed.
Key Responsibilities
  • Investigate & Evaluate – Conduct in-depth claim investigations, gather recorded statements, and determine coverage.
  • Reserve Management - Timely & Adequate reserving.
  • Document Management – Maintain organized, professional claim files, reports, and communications
  • Negotiate & Resolve – Strategically negotiate settlements to achieve fair, timely resolutions.
  • Stay Current – Keep up with evolving legal statutes, policy conditions, and industry trends.
  • Navigate Technology – Operate seamlessly within a paperless Claims Management System.
  • Engage in Legal Proceedings – Travel as needed for depositions, mediations, and trials.

Position Requirements

  • 2+ years handling Commercial Automobile or Motor Carrier Liability claims, inclusive of litigation experience.
  • Strong negotiation, analytical, and problem-solving skills.
  • Excellent written and verbal communication abilities.
  •  Proficiency in Microsoft Word and Excel.
  •  Highly organized with keen attention to detail.
  •  Ability to work independently in a fully remote setting.
  •  Experience with mediations, arbitrations, and settlement negotiations.
  •  Strong collaboration with legal counsel and claims teams.
  • Multi-State adjusting experience is preferred.
  • Insurance education and/or designations a plus.
  • Strong working knowledge of Microsoft Office products, good keyboarding and technology skills.
Work Conditions
  • Fully remote role – Work from home full-time.
  • Standard 40-hour workweek – Flexibility within structured hours.
  • Tech-driven environment – Frequent computer and phone use.
  • Some travel required – For legal proceedings and meetings.
Why Join MFM?
  • Comprehensive Benefits Package – Enjoy competitive health, dental, and vision insurance.
  • Retirement Benefits – 401(k) with company match and a Defined Benefit Pension Plan to help secure your financial future.
  • Work-Life Balance – Generous paid time off and company holidays.
  • Professional Development – Opportunities for ongoing training and career growth.
  • Wellness Support – Employee assistance programs and wellness initiatives.
  • Technology Stipends – Support for home office setup and remote work tools.
  • Autonomy & Flexibility – Thrive in a fully remote, supportive work culture.
  • Growth & Development

Controller

Midwest Family Mutual Insurance Company (MFM) is an “A-” rated property & casualty insurer and has been recognized as one of the top 50 P&C companies in the nation. With a strong legacy of financial stability and innovation, we continue to grow and expand our capabilities across key business functions.

As part of our ongoing growth, we are seeking a skilled and motivated Controller to join our team. This position offers the opportunity to contribute to a high-performing accounting function and play a key role in supporting strategic financial initiatives.

At MFM, we pride ourselves on fostering a collaborative and values-driven workplace where talented professionals can thrive. If you're looking to make a meaningful impact in a dynamic and respected insurance organization, we encourage you to apply!

 

Position Summary

The Controller is responsible for the overall management of the accounting function, including financial reporting, regulatory filings, internal controls, and accounting operations. This position ensures the timely and accurate delivery of financial information to management, auditors, and regulatory bodies in compliance with NAIC statutory accounting principles.

The Controller will lead and develop the accounting team, oversee the financial close process, and maintain effective internal controls. This role works closely with the CFO and cross-functional departments to support financial planning, reporting accuracy, and ongoing process improvement.

 

Key Responsibilities

  • Oversee the preparation and review of monthly, quarterly, and annual financial statements in accordance with NAIC Statutory Accounting Principles.
  • Lead the preparation and filing of statutory reports, including the Annual Statement, Risk-Based Capital report, and Management Discussion & Analysis.
  • Manage the monthly and annual close process, ensuring accuracy, completeness, and timeliness.
  • Oversee general ledger activity, including journal entries, reconciliations, and financial data integrity.
  • Review and approve accounting for premiums, losses, reinsurance transactions, and investments.
  • Ensure compliance with internal controls, accounting policies, and regulatory requirements.
  • Coordinate with external auditors and regulatory examiners, including managing audit and examination processes.
  • Monitor changes in accounting standards and insurance regulations and assess their impact on financial reporting.
  • Lead, mentor, and develop accounting staff, including assigning work, reviewing performance, and supporting professional growth.
  • Establish and maintain accounting policies, procedures, and best practices.
  • Support budgeting, forecasting, and cash flow analysis in collaboration with finance leadership.
  • Identify and implement process improvements to enhance efficiency, accuracy, and scalability of accounting operations.
  • Collaborate with underwriting, claims, and other departments to ensure accuracy of financial data and reporting.

 

Qualifications

  • Bachelor’s degree in accounting or finance required.
  • CPA designation strongly preferred.
  • 7+ years of general accounting experience.
  • Proven leadership experience managing and developing accounting staff.
  • Strong knowledge of NAIC statutory accounting principles and regulatory reporting.
  • Experience overseeing financial close processes, general ledger, and internal controls.
  • Experience in the Property and Casualty Insurance industry preferred.
  • Strong analytical, organizational, and communication skills.

Human Resources Manager

Join our dynamic team as a Human Resources Manager, where you will play a pivotal role in shaping our workplace culture and partnering with leadership. As the HR Manager, you will oversee talent acquisition, employee development, and compliance initiatives while serving as the primary lead for day-to-day HR operations.

This role will ensure effective execution across all HR functions and partners closely with the HR Director on strategic initiatives. If you are passionate about fostering growth and have a strategic mindset, we invite you to be part of our innovative and collaborative team. This position offers a clear path to growth into a Senior HR Manager position, with expanded leadership and strategic responsibilities.

Job Responsibilities

  • Develop, implement, and monitor HR strategies and initiatives aligned with business objectives, serving as the primary owner of day-to-day HR operations.
  • Own and oversee multi-state payroll operations and compliance, ensuring accuracy, timeliness, and adherence to all federal, state, and local regulations.
  • Lead the recruitment function, including recruiter/vendor recommendations, and drive strategies to attract and retain top talent.
  • Lead and continuously improve the performance management framework, including appraisal processes, feedback practices, and performance improvement plans (PIPs).
  • Ensure compliance with labor laws and serve as a resource for employee relations matters, including conflict resolution and investigations.
  • Lead training and development initiatives to enhance employee skills and career progression.
  • Oversee compensation and benefits administration to ensure competitive and equitable offerings.
  • Analyze HR metrics and provide insights to support decision-making and workforce planning.
  • Lead HR projects, including organizational and change management initiatives.
  • Own the accuracy and integrity of HR systems, records, and reporting, leveraging HRIS data to drive insights and process improvements.
  • Provide direct supervision, coaching, and development for HR team member(s), ensuring effective performance and growth.
  • Partner with the HR Director, providing regular updates on employee relations, compliance matters, and key HR initiatives, while independently managing routine HR operations.
  • Make recommendations and decisions on HR matters, escalating complex or high-risk issues as appropriate.

 

Job Requirements

  • Bachelor's degree in Human Resources, Business Administration, or related field.
  • 5+ years of progressive human resources experience, including at least 2 years in a supervisory or leadership role.
  • Demonstrated experience developing and executing HR strategies that support business objectives.
  • Experience managing or supporting multi-state payroll operations, including tax compliance and regulatory requirements.
  • Strong knowledge of federal, state, and local employment laws and HR compliance requirements.
  • Exceptional leadership and team management skills.
  • Excellent communication and interpersonal skills.
  • Proficiency in HRIS platforms and Microsoft Office Suite, with experience leveraging systems for reporting and process improvement.
  • Experience with Paylocity or similar HRIS/payroll systems preferred.
  • Ability to partner with leadership on workforce planning, employee relations, and organizational initiatives.
  • Handle confidential information with discretion.
  • Strong organizational and time-management skills.
  • Certification in HR (e.g., SHRM-CP, SHRM-SCP, PHR, SPHR) preferred.
  • Experience in a remote, multi-state work environment is a plus.
  • Ability to work effectively in a dynamic, fast-paced environment.

 

Benefits

  • Medical Insurance (High Deductible Health Plans – HSA and Co-Pay options)
  • Wellness Incentives up to $850 annually:
  • Dental Insurance
  • Supplemental Vision Insurance (materials only)
  • Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA), including Medical and Dependent Care options

 

Insurance & Protection

  • Employer-paid Short-Term Disability and Life Insurance
  • Long-Term Disability
  • Voluntary Life Insurance
  • Optional supplemental benefits: Accident, Hospital Indemnity, Critical Illness, and LifeLock Identity Protection

 

Time Off & Work-Life Balance

  • Paid Time Off (PTO)
  • Nine (9) paid holidays annually
  • Paid leave for employer-approved continuing education (CE) courses, including reimbursement for eligible expenses
  • Paternity Leave
  • Eight (8) hours per year of paid time for qualified volunteer activities

 

Additional Perks

  • Employer matching contributions for donations made to qualified 501(c) charitable organizations
  • Internet reimbursement allotment
  • Mobile phone reimbursement

 

Retirement Benefits

  • 401(k) and Roth 401(k) with company match
  • Defined Benefit Pension Plan for eligible employees

 

Work Environment

  • Remote with occasional office-based flexibility.
  • This role requires extended periods of sitting, frequent keyboarding, and computer use.