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Directory · Wisconsin · Farm and crop

Who writes farm and crop in Wisconsin

Ranked by direct premium written in 2024 from the Wisconsin market share report (every company, not a top-N list).

49 companies wrote farm and crop in Wisconsin in 2024, $280.5M in direct premium. Rural Mutual Insurance Company led with 36.9%; the top five hold 66%. 67 companies are licensed for the line.

By Sam Alishahi, independent insurance broker · All lines in Wisconsin

Top 10 · NAIC table: 03 - Farmowners Multiple Peril

The insurer groups that write the most farm and crop in Wisconsin

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

Farm and crop · Wisconsin

The companies

#CompanyNAICHome stateStatus herePremiumShare
1Rural Mutual Insurance Company15091WIAdmitted (licensed)$103.5M36.88%
2American Family Mutual Insurance Company, S.I.19275WIAdmitted (licensed)$26.1M9.30%
3Mt. Morris Mutual Insurance Company10831WIAdmitted (licensed)$19.8M7.07%
4SECURA Insurance Company22543WIAdmitted (licensed)$19.6M6.99%
5Hastings Insurance Company14176MIAdmitted (licensed)$17.0M6.05%
6Wisconsin Mutual Insurance Company27022WIAdmitted (licensed)$12.8M4.56%
7American Family Insurance Company10386WIAdmitted (licensed)$11.6M4.12%
8State Farm Fire and Casualty Company25143ILAdmitted (licensed)$10.9M3.87%
9McMillan-Warner Mutual Insurance Company11036WIAdmitted (licensed)$6.7M2.38%
10Nationwide Agribusiness Insurance Company28223IAAdmitted (licensed)$6.0M2.15%
11Mutual of Wausau Insurance Corporation11617WIAdmitted (licensed)$6.0M2.13%
12Westfield Insurance Company24112OHAdmitted (licensed)$5.6M2.01%
13Maple Valley Mutual Insurance Company31780WIAdmitted (licensed)$4.6M1.64%
14River Valley Mutual Insurance Company11607WIAdmitted (licensed)$4.3M1.52%
15Rockford Mutual Insurance Company27065ILAdmitted (licensed)$4.0M1.44%
16Germantown Mutual Insurance Company14036WIAdmitted (licensed)$3.9M1.38%
17Eagle Point Mutual Insurance Company11767WIAdmitted (licensed)$2.9M1.02%
18North Star Mutual Insurance Company14850MNAdmitted (licensed)$2.5M0.89%
19Sugar Creek Mutual Insurance Company11713WIAdmitted (licensed)$2.0M0.71%
20State Automobile Mutual Insurance Company25135OHAdmitted (licensed)$1.9M0.67%
21Bloomington Farmers Mutual Insurance Company11780WIAdmitted (licensed)$1.3M0.45%
22Forward Mutual Insurance Company11387WIAdmitted (licensed)$1.2M0.42%
23Theresa Mutual Insurance Company11658WIAdmitted (licensed)$931,0200.33%
24Reedsburg-Westfield Mutual Insurance Company11726WIAdmitted (licensed)$785,3370.28%
25Wisconsin River Mutual Insurance Company11741WIAdmitted (licensed)$741,3980.26%
26American Select Insurance Company19992OHAdmitted (licensed)$620,8200.22%
27Westfield National Insurance Company24120OHAdmitted (licensed)$495,4870.18%
28Indemnity Insurance Company of North America43575PAAdmitted (licensed)$463,2850.17%
29StarNet Insurance Company40045IAAdmitted (licensed)$379,8220.14%
30Travelers Indemnity Company of America (The)25666CTAdmitted (licensed)$364,2430.13%
31Phoenix Insurance Company, (The)25623CTAdmitted (licensed)$335,9350.12%
32Ohio Security Insurance Company24082NHAdmitted (licensed)$273,6170.10%
33American Fire and Casualty Company24066NHAdmitted (licensed)$202,4060.07%
34Charter Oak Fire Insurance Company, (The)25615CTAdmitted (licensed)$195,2450.07%
35Markel Insurance Company38970ILAdmitted (licensed)$191,2600.07%
36Travelers Property Casualty Company of America25674CTAdmitted (licensed)$134,1080.05%
37Travelers Indemnity Company of Connecticut (The)25682CTAdmitted (licensed)$124,5060.04%
38Integrity Property and Casualty Insurance Company12986OHAdmitted (licensed)$73,5420.03%
39Travelers Indemnity Company (The)25658CTAdmitted (licensed)$70,5120.03%
40Integrity Insurance Company14303OHAdmitted (licensed)$47,8300.02%
41Great American Insurance Company16691OHAdmitted (licensed)$39,1120.01%
42Philadelphia Indemnity Insurance Company18058PAAdmitted (licensed)$33,6300.01%
43Great American Assurance Company26344OHAdmitted (licensed)$20,6020.01%
44Argonaut Insurance Company19801NEAdmitted (licensed)$18,7600.01%
45West American Insurance Company44393INAdmitted (licensed)$17,9610.01%
46Great American Alliance Insurance Company26832OHAdmitted (licensed)$11,0720.00%
47COUNTRY Mutual Insurance Company20990ILAdmitted (licensed)$3,3610.00%
48Auto-Owners Insurance Company18988MIAdmitted (licensed)$1,1200.00%
49American Reliable Insurance Company19615AZAdmitted (licensed)$880.00%
Turned down?

Last resort for farm and crop in Wisconsin

Last resortLinesWhereHow to get in
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the Wisconsin insurance regulator company list, read 2026-10-18. Admitted = union of two OCI 2025 Wisconsin Insurance Report documents joined by normalized name: Table E market share (every insurer with 2025 WI premium, all 48 lines incl. life/annuity/A&H; gives NAIC code + lines) and the Directory of Licensed Insurers as of 12/31/2025 (gives domicile, company type, year commenced in WI; no NAIC; https://oci.wi.gov/Documents/AboutOCI/2025_WIR_Directory.pdf). Join stats: {'exact': 1249, 'fuzzy': 3, 'unmatched_xlsx': 2, 'directory_rows': 2281, 'table_e_naic': 1254, 'directory_unmatched': 1029}. Rows with naic '' are directory-only (licensed but no 2025 WI premium or name not matched); rows with type '' are Table E only (name not matched to the directory). Type codes: AR=Accredited Reinsurer; CR=Certified Reinsurer; RJR=Reciprocal Jurisdiction Reinsurer; DSL=Domestic Surplus Line; FR=Fraternal Benefit Society; CC=Continuing Care Organization; CMO=Care Management Organization; HMO=Health Maintenance Organization; IRO=Independent Review Organization; LAH=Life and Accident and Health Company; LSP=Life Settlement Provider; RRG=Risk Retention Group; LSHO=Limited Service Health Organization; MC=Motor Club Plan; SCP=Service Contract Provider; PC=Property and Casualty Company; TI=Title Company; TM=Town Mutual of Wisconsin; VPP=Vehicle Protection Plan; WP=Warranty Plan. Filter P&C with type in {PC, RRG, DSL, TM, TI} or lines among the P&C lines (Table E sheets 34-48: FIRE, FARMOWNERS MULTIPLE PERIL, HOMEOWNERS MULTIPLE PERIL, COMMERCIAL MULTIPLE PERIL, MEDICAL MALPRACTICE, WORKERS COMPENSATION, EXCESS WORKERS COMPENSATION, OTHER LIABILITY, PRIVATE PASSENGER AUTO, COMMERCIAL AUTO, FIDELITY, SURETY, CREDIT, MORTGAGE GUARANTY, TITLE; sheet 33 STOP LOSS/EXCESS LOSS; line strings are the sheet titles, which differ slightly from the TOC). Directory also lists non-insurers (SCP, WP, VPP, MC, LSP, IRO, CC, CMO) and reinsurers (AR, CR, RJR); foreign domiciles are blanked. 'since' = year commenced business in WI. Wisconsin publishes no eligible surplus lines list (NRRA home-state rule; NAIC IID list for aliens), so surplus_lines is empty. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

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