"This is Fred Ball for Zions Bank, speaking on business.
Bear River Mutual Insurance Company was originally organized in 1909 in Bear River Valley to make insurance coverage affordable for local farmers and residents. The company began when a local Garland, Utah, farmer and businessman named Willard Snow Hansen joined forces with 15 other hardworking men to form a mutual insurance organization. Originally, the company's goal was to make insurance affordable and accessible to the masses--especially those living in northern Utah.