608-644-1900 | Fax 608-644-1909

Merrimac Lodi Mutual is Now Wisconsin River Mutual Insurance Company.

Providing Quality Farm and Home Insurance for over 145 years.


Insurance Building

Merrimac Mutual Insurance Company was established on November 25, 1873, and Lodi Mutual Fire Insurance was established on March 28, 1877. For over 130 years the company’s business was conducted out of the homes of the Secretary. On October 1, 2008, the two companies merged under the name of Merrimac Lodi Mutual Insurance Company. Berry & Roxbury Mutual Insurance Company of Cross Plains started in 1873.  They merged into Merrimac Lodi Mutual on January 1, 2023 under the current name of Wisconsin River Mutual Insurance Company and are now renting office space in Prairie du Sac, WI. The company has two full-time employees- General Manager and Administrative Assistant and they currently write business in Columbia, Grant, Sauk, Dane, Iowa, Richland, Juneau, Rock and Green counties.

In the mid to late 1800s, farmers could not afford (or the cost was too prohibitive) to purchase property insurance on their residence, personal property, and outbuildings. In those days, stock insurance companies felt that if there was a farm fire, it would most probably be a total loss by the time the fire department arrived on the scene. Therefore, they were reluctant to insure farm property. At this time many local insurance companies sprang up throughout Wisconsin, at one time over 300 companies. They were called town mutuals and were only insuring for fire coverage. The format was that 25 farmers were needed to originate a company to insure each other’s losses. The concept was neighbor insuring neighbor. These community-founded companies were organized and continue to operate under the supervision of a Board of Directors of local community members. Today Wisconsin River Mutual Insurance Company provides coverage for homeowners, farm owners, extended coverage, personal auto, mobile homeowners, dwelling packages, inland marine, watercraft, personal umbrella, commercial package policies, general liability, business owners, and commercial property.


The office has two full-time employees, General Manager, and an Administrative Assistant.

Vicki Kearney

General Manager

Phone: 608-644-1900
Cell: 608-215-8430

Vicki Kearney began working as an Administrative Assistant for Wisconsin River in 1989.  She obtained her property and casualty insurance license in 1991 and was appointed General Manager of the company in 1996.  She then became a director in 1997.
Vicki served on the Wisconsin Association of Town Mutual’s Board of Directors from 2006-2013.

In 2008 Lodi Mutual merged into Merrimac Mutual as Merrimac Lodi Mutual Insurance Company. Vicki has served as General Manager since the merger. Vicki earned her Professional Farm Mutual Manager designation in 2017 and earned the Namic Merit Award in 2018.

In her spare time Vicki enjoys gardening, cooking, traveling and spending time with her 10 grandchildren.

Jordan Wood

Administrative Assistant

Phone: 608-644-1900

Jordan Wood has been working in the office and as an agent for Wisconsin River Mutual since 2012. Jordan is a graduate from Sauk Prairie High School with a degree from the University of Wisconsin Stevens Point. He resides in Prairie du Sac and is committed to finding the correct coverage for policyholders of Wisconsin River Mutual.