Irvington, VA — January 21, 2026 — Northern Neck Insurance today announced the appointment of Mark Crutcher as the company’s first Chief Operating Officer (COO), a new executive leadership role created to support the company’s continued growth and expanding regional footprint.
As Northern Neck continues its strategic expansion through its affiliation with Frederick Mutual Insurance Company, the company is adding leadership experience and capacity to ensure its growth remains consistent with its 130year tradition of stability, service, and mutual values.
“Our expansion brings exciting opportunities, but also new complexity,” said Peter Cammarata, President and CEO of Northern Neck and Frederick Mutual. “Adding a COO ensures we stay coordinated and grow the right way, guided by our values and focused on delivering exceptional experiences for our agents and members. Mark’s experience, mindset, and leadership make him the ideal person to steward this next chapter.”
In his new role, Crutcher will oversee the integration of commercial product lines, support multistate operational coordination, and help align the combined strengths of Northern Neck and Frederick Mutual following their recent affiliation. His leadership will be instrumental in maintaining the company’s longstanding culture of partnership, honesty, and integrity as the organization expands.
Crutcher brings more than 30 years of leadership experience across marketing, operations, and product management. He most recently served as Vice President of Innovation and Marketing at Mutual Assurance Society of Virginia, where he focused on modernizing customer experiences and driving growth. His career also includes executive roles at Lititz Mutual, Great Northwest Insurance, and Progressive, where he led initiatives in product strategy, underwriting transformation, and national marketing campaigns.
“I’m excited about the opportunity to bring together two companies with deep histories and shared commitments to community,” said Crutcher. “This is a unique chance to honor Northern Neck’s long legacy while building a modern, forwardlooking mutual organization that delivers even more value to the agents and members we serve.”
A Virginia Tech graduate with a degree in Mechanical Engineering, Crutcher also holds an MBA from the University of Richmond and professional designations including CPCU, ARe, and MIP.
Crutcher lives in Richmond with his wife, Rebecca, and enjoys spending time with their two grown daughters and two grandchildren.
About Northern Neck Insurance
Celebrating its 130th anniversary, Northern Neck Insurance is a trusted mutual insurance company dedicated to protecting what Virginians value most. As a member-owned company, Northern Neck Insurance offers coverages tailored to local communities, backed by exceptional service and an advisor network of select independent agents. Through its affiliation with Frederick Mutual Insurance Company, the organization serves homeowners, drivers, and small business owners across the Mid-Atlantic.
Contact:
Stuart Wood, Vice President of Marketing
Northern Neck Insurance Company
swood@nnins.com
804-438-4535
