Pioneer Mutual Building, Fargo, ND

Pioneer Mutual Building, circa 2002.

The Pioneer Mutual Building, 203 N 10th Street in Fargo, is easily identified by an enormous sign on its roof and has been a staple of the Fargo, ND skyline for decades. The building originated as the AOUW Grand Lodge of North Dakota, until the North Dakota AOUW changed its name to Pioneer Mutual Life and Casualty Insurance Company in 1948.

Building Origin

The building was built in 1927 on the corner of 10th street and 2nd Avenue north in Fargo, ND. The rest of the block was occupied by residential buildings. The three story building housed the offices of the North Dakota Ancient Order of United Workmen, one of the earliest of fraternal insurance companies.

Expansion

Early design for Pioneer Mutual Building expansion.

An early expansion design consisted of 3 additional stories added to the top of the building, continuing the federal style on the upper stories. This design was expanded furthed by adding on to the north as well, more than quadrupling the size of the building. This addition was completed in 1952. The final design continues the federal style on the first three stories of the north addition, while the fourth through sixth floors are a plain smooth stone facade. It appears that the materials from the original north and east walls were used for the new front / west facade, as the intricate design only spans the front, the south side, and part of the east side of the building.

Over the years, the interior of the building was modified numerous times. The first floor lobby and the staircase from the first floor to the second floor retained their original design, using copious amounts of marble and gilding. Floors with offices and work areas recieved updates depending on the tenant's needs, but many parts of the building, as of the early 2000s, still had fixtures from the 1940s and 1950s.

Tenants

While the AOUW was the primary tenant of the building until Pioneer Mutual vacated the building in 2002, various offices have been leased to other tenants over the years.

According to the 1954 Fargo-Moorhead city directory, Pioneer Mutual had leased out a significant part of their newly expanded building. The tenants listed were:

• US Government, Social Security Administration.
• Federal Housing Administration.
• The Internal Revenue Service.
• Veteran's Employment Service
• Cull Eide (accountants, now Eide Bailly LLP).
• Deep Rock Oil Corp, District Office.
• General Motors Acceptance Corporation.
• Several insurance companies, including Anchor Casualty, Motors Insurance Co, and Fidelity Phoenix Fire Insurance; it is not clear if these are the insuror's offices or merely licensed agents.
• The Pioneer Cafeteria, located on the 6th floor.

The Pioneer Mutual Building was sold to Blue Cross Blue Shield of North Dakota around the time of their affiliation in 1991. In the years following the sale, various members of BCBS-ND's Noridian network of insurance companies were moved into the Pioneer Mutual building, occupying all floors.

First and Second floors were occupied by Northern Capital, a financial planning company that eventually was sold to the State Bank organization, and remain the only tenant in the Pioneer Mutual building as of March 2007.

Lincoln Mutual, a BCBS-ND affiliate since 1989, moved into the 6th floor of the Pioneer Mutual building in 1995, vacating the Lincoln Mutual building just to the east. They occupied the 6th floor until moving to the BCBS-ND building in 2005.

Pioneer Mutual Life Insurance occupied the fourth and fifth floors during this time, while the third floor had various offices and housed the server room that was shared by all BCBS-ND companies.

In September, 2006, North Dakota State University purchased the Pioneer Mutual Building, along with the neighboring Lincoln Mutual Life Building, for a total of $3.54 million. Appropriate to the history of financial and administrative companies that have occupied the building over the past century, NDSU's College of Business plans on expanding into the Pioneer Mutual building.