We are investors in farm insurance

We can bring stability to small mutuals and the farm insurance industry

Farm mutuals can associate with us and other farm mutuals to create a long-term future, achieve durable financial strength and gain access to capital, reinsurance and expertise. Local offices and staff can continue to serve their communities.

Rural markets are our target market

As the insurance industry turns its back on rural markets, and small players disappear, our goal is to help small mutuals combine and preserve their commitments to their communities while achieving financial strength, policyholder security and customer service unavailable to small mutuals individually. Returning to healthy growth through joint action, similar to how farm mutuals were formed in the 1800s.

A permanent solution to challenges to viability

Our approach transforms reinsurance availability and cost from existential problems into a controllable, lower cost and reliable element through centrally purchased reinsurance with scale and spread of exposures advantages not possible for small mutuals. We take a similar approach to technology and customer service.

In-state solution

Farm mutuals in a state can choose to merge into a surviving mutual that will affiliate with a stock insurance company that we establish and capitalize. This approach allows the group of companies – across states – to spread capital and exposures effectively and gain additional capital, technology, expertise (underwriting, claims, product, actuarial, reinsurance), product (auto, small business) and back office efficiency.

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