In 1908, in a small Pennsylvania town built entirely of wooden structures, 14 businessmen realized they needed a way to protect themselves from the threat of fire. They decided to help one another before disaster struck. They did what many groups of business owners and farmers were doing at that time — they pooled their financial resources to form a mutual insurance association. By paying insurance premiums into a common pool, they spread their risk among one another, giving each a better chance of recovering should his business be destroyed. That association eventually became known as Mutual Benefit Insurance Company, today a member of Mutual Benefit Group… your insurance company.