Boeing and Boar's head are killing people because of incompetence and cost cutting. Chiquita and Nestle go out in the jungle and massacre people at regular intervals just because those people don't want to be slaves and having to pay workers hurts the bottom line.
I put them in different categories.
Initial contacts are always 8 years with a period served in active service and the remainder as inactive. 6/2 is the most common but I've also seen 4/4 and 3/5.
Quite a few mutual insurance providers are struggling in places like California and Florida because they didn't correctly price in the potential impacts of climate change. The main issue that mutual providers have is that their risk pools are much smaller and generally very regional. If your whole region is on fire then everyone is screwed.
Additionally, they are dependent on the same reinsurance providers that other for profit insurance providers are which is already more expensive for them because of the smaller risk pool.