Homeowners in the Midwest may not worry about hurricanes or tsunamis, but mighty storms can be a real concern. As the "Silver Lining," West Bend Mutual helps protect property and other assets for its members in about a dozen states. The company provides personal and commercial property/casualty insurance, including auto, homeowners, and umbrella coverage. Its National Specialty Insurance (NSI) division offers specialty policies for businesses including child care centers, tanning parlors, not-for-profit organizations, and athletic leagues. Its Argent workers' compensation division specializes in writing large accounts. Founded in 1894, West Bend Mutual is owned by its policyholders.