Reasons Agents Don't all have access to carriers.

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.

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.

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 .