Reflections on 2009
Henry H. Gibbel
Henry H. Gibbel
Chairman/CEO
Henry R. Gibbel
Henry R. Gibbel
President/COO
Our Company, founded in 1877, has stood the test of time because it was built on a stable tradition of integrity and responsibility. In an era of economic uncertainty, Livingston Mutual provides consistent and reliable protection from financial loss. Under the banner of the Lititz Mutual Group and the A. M. Best Rating of "A+ (Superior)," the Company offers personalized service to its policyholders and agents throughout New York and northern Pennsylvania with unparalleled financial strength.

While our struggling economy and declining housing market have curtailed the opportunities to write new business, we continue to focus on, and market to, rural and suburban agents across our operating territory. This has provided the foundation for our success and continues to be our focus.

Our respectable balance sheet shows Assets of $2.7 million and Policyholders' Security Account at $1.9 million, represents a 6.8% increase of $120,000 from 2008.

At Livingston Mutual, we look forward to the future with renewed optimism as our capabilities expand. As market cycles change and the economy stabilizes, we are well positioned to benefit from the work we do today. We thank and value our dedicated policyholders and the independent agents who represent us. Your trust and loyalty is appreciated as we remain steadfast and committed to caring and responsive service.

Livingston Mutual's respected reputation is its strongest framework. We see ourselves as a most fortunate Mutual Company, thus, the reason we are focusing on "SHARING IN OUR MUTUAL SUCCESS ... TOGETHER," with you, our agents and policyholders.

Henry R. Gibbel
President/COO
Henry H. Gibbel
Chairman/CEO
Last Modified: Tuesday, 02-Mar-2010 16:02:00 Eastern Standard Time