Encova Insurance

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American Hardware Mutual Insurance, founded in 1899, was created by a small group of Minnesota Hardware dealers to organize a mutual insurance company to protect hardware dealers from fire losses. American Hardware Mutual Insurance Company, American Merchants Casualty Company and AHM Insurance Agency are now members of the The Motorists Insurance Group. Based in Minnetonka, Minn., the company offers coverages for buildings, personal property, premises liability, products and completed operations, automobile and worker s compensation. American Hardware Mutual Insurance markets its products to hardware stores, farm machinery dealers, lawn and garden dealers, auto and truck dealers, RV dealers, boat dealers, auto repair shops, wholesale distributors, retail mercantile and construction/material handling dealers.