Reasons Agents Don't all have access to carriers.
Appetite & Specialty
Underwriter Expertise
- Not every carrier wants to write farm business in every state or region.
- For example, Nationwide and Westfield are very strong in farm & agribusiness, but they only partner with certain agencies that specialize in those risks.
- Chubb and Liberty Mutual focus more on high-net-worth and commercial lines, so they may offer farm coverage on
- Not every carrier wants to write farm business in every state or region.
- For example, Nationwide and Westfield are very strong in farm & agribusiness, but they only partner with certain agencies that specialize in those risks.
- Chubb and Liberty Mutual focus more on high-net-worth and commercial lines, so they may offer farm coverage only through select programs or endorsements.
- We are certified Farm Agency with Nationwide insurance.
- Check for more information in the resource tab.
Underwriter Expertise
Underwriter Expertise
- Farm policies are complex — they blend personal (home, auto, liability) and commercial (crops, equipment, workers) coverages.
- Carriers want to make sure their agents understand the risks and don’t underwrite improperly.
- That’s why they limit access to agencies that have specialized training or experience.
- And when standard carriers won
- Farm policies are complex — they blend personal (home, auto, liability) and commercial (crops, equipment, workers) coverages.
- Carriers want to make sure their agents understand the risks and don’t underwrite improperly.
- That’s why they limit access to agencies that have specialized training or experience.
- And when standard carriers won't cover the risk, we have surplus and excess markets specifically for Agribusiness.
Regional Distribution
Regional Distribution
- Some carriers (like Westfield or Nationwide) have regional dominance in farm coverage.
- Instead of appointing everyone, they choose preferred farm agencies in each territory so they don’t flood the market with competing quotes.
- With over 10 standard carries and 10 surplus lines markets just in Agribusiness, we can cover the risks most carriers EXCLUDE .