NAU Country Insurance Co.

What NAU Country Insurance Co. does

NAU Country Insurance Company is a federally licensed crop insurance provider founded in 1981 in Minnesota and self-described as "America's original MPCI company." The company operates as a wholly-owned subsidiary of QBE Insurance Group Limited, a global insurance conglomerate. NAU Country specializes in Multi-Peril Crop Insurance (MPCI) and related risk-management products sold through a nationwide network of independent insurance agents who serve American farmers, ranchers, and agricultural producers across all major US regions.

The company's product portfolio spans the full MPCI spectrum — Yield Protection, Revenue Protection (including Harvest Price Exclusion), Actual Production History, Whole Farm Revenue Protection, Micro Farm, Margin Protection, and Area Plans (ARP/AYP) — alongside rainfall index products (Pasture/Rangeland/Forage, Annual Forage, Apiculture), livestock coverage (LGM-Dairy, LRP, Dairy Revenue Protection), nursery insurance, crop-hail, and a suite of private supplemental products (Base Price Modifier, MPowerD, RPowerD, Replant Option, Crop Insurance Bundle, Pasture Fire). Underlying technology is anchored by EASYwriter Pro, an agent-facing desktop quoting and policy-management application accessed via Citrix; EASYview Weather, providing Hail Probability Alerts and weather metrics; and dedicated Agent and Farmer web portals for self-service policy administration, claims tracking, and premium payment. Operations are supported by regional branch offices with localized claim professionals.

The revenue model is subscription/recurring through federal crop insurance premiums (partially subsidized by the USDA Risk Management Agency) and private crop-hail and supplemental premiums. NAU Country is paid by farmers via independent agents and earns underwriting income net of commissions and reinsurance. The company is privately held (no public ticker), has 1,001–5,000 employees, is headquartered at 7333 Sunwood Drive in Ramsey, Minnesota, and reports financial-strength benefits from its QBE parentage.

Name

NAU Country Insurance Co.

Legal name

NAU Country Insurance Company

Website

https://naucountry.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

NAU Country Insurance Co., founded in 1981 and a subsidiary of QBE Insurance Group, is a federally licensed crop insurance provider offering Multi-Peril Crop Insurance, crop-hail, livestock, and private supplemental products to American farmers through a nationwide network of independent insurance agents.

Ownership category

akta.pro rank

Product category

Crop Insurance

NAICS

Insurance Carriers (5241), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Crop & Farm Property Insurance (FSAJACAK)

akta.pro secondary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Multi-peril crop insurance
• Federal crop insurance
• Crop hail insurance
• Livestock risk protection
• Revenue protection plans

Headquarters

HQ city

Minneapolis

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. MPCI Crop Insurance Premiums: Multi-Peril Crop Insurance premiums from federal crop insurance policies including Yield Protection, Revenue Protection, Whole Farm Revenue Protection, and Margin Protection plans. Premium is paid by farmers and subsidized by the federal government through the USDA Risk Management Agency.
2. Crop-Hail Insurance Premiums: Private crop-hail insurance policies providing coverage against hail damage. Sold through independent agents to farmers.
3. Private/Supplemental Products: Revenue from proprietary supplemental products including Base Price Modifier (BPM), MPowerD, RPowerD, Replant Option, Pasture Fire, and Crop Insurance Bundle Policy. These add-on coverages provide additional revenue streams beyond standard MPCI.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

NAU Country Insurance Company is an Approved Insurance Provider under the Federal Crop Insurance Corporation that sells Multi-Peril Crop Insurance (MPCI), crop-hail, livestock, rainfall index, nursery, and proprietary supplemental insurance products to American farmers and ranchers. The company distributes exclusively through a nationwide network of independent insurance agents, supported by proprietary platforms EASYwriter Pro, EASYview Weather, Agent Portal, and Farmer Portal for quoting, policy management, claims, and premium billing.

Product overview

NAU Country Insurance Company is a federal crop insurance provider offering a comprehensive portfolio of Multi-Peril Crop Insurance (MPCI) and private products through the Federal Crop Insurance Corporation (FCIC) program. The core product line centers on MPCI plans including Yield Protection, Revenue Protection (RP), Revenue Protection with Harvest Price Exclusion (RP-HPE), Margin Protection, Whole Farm Revenue Protection (WFRP), Micro Farm, and specialized area plans (ARP, ARP-HPE, AYP). The company also offers rainfall index-based products for Pasture/Rangeland/Forage (PRF), Annual Forage, and Apiculture. Livestock products include LGM-Dairy, LRP, and Dairy Revenue Protection. Private supplemental products include Base Price Modifier (BPM), MPowerD, RPowerD, Replant Option (RO), Crop Insurance Bundle Policy, and Pasture Fire coverage. The company supports its products through digital tools including EASYwriter Pro, EASYview Weather, Farmer Portal, and Hail Alerts. NAU Country operates as part of QBE Insurance Group and serves agents and farmers across all 50 states.

Differentiator

Problem solved

Functional benefit

Products and services

• Yield Protection (YP) MPCI product that protects against production losses due to a decrease in yield for eligible crops including barley, corn, cotton, soybeans, wheat, and others. Sold to farmers through independent agents.
• Revenue Protection (RP) MPCI product that insures against revenue loss due to a decrease in yield and/or price, with the final revenue guarantee based on the higher of projected or harvest price, providing upside price protection for farmers.
• Revenue Protection with Harvest Price Exclusion (RP-HPE) MPCI product that insures against revenue loss due to a decrease in yield and/or price, with the final revenue guarantee based only on the projected price (no harvest price upside), though production is valued at harvest price for claims.
• Actual Production History (APH) MPCI product that protects against individual yield loss based on the insured's actual production history, with price elections set by RMA.
• Whole Farm Revenue Protection (WFRP) Risk management safety net for all commodities on the farm under one insurance policy. Tailored for farms with up to $17 million in insured revenue, including specialty, organic, or direct-market operations, with coverage levels up to 90%.
• Micro Farm Small-scale version of WFRP protection for farms with up to $350,000 in approved revenue ($400,000 for carryover insureds), providing the same protection on a smaller revenue scale.
• Margin Protection (MP) MPCI product that protects against loss of operating margin (revenue minus input costs), with a coverage band from a percent up to 95% of expected crop value for corn, cotton, grain sorghum, soybeans, rice, and spring wheat.
• Pasture, Rangeland, and Forage (PRF) Rainfall Index insurance for perennial haying and/or grazing purposes that protects against forage loss due to lack of precipitation, using NOAA weather data in a 0.25-degree grid system.
• Annual Forage (AF) Provides coverage for crops planted annually for livestock feed/fodder, with 12 growing seasons per crop year.
• Apiculture Pilot Insurance (API) Safety net for beekeepers' primary income sources including pollen collection, wax, and breeding stock.
• Area Revenue Protection (ARP) County-wide revenue protection plan with upside harvest price inclusion, where losses are based on county revenue as determined by RMA using harvest price.
• Area Revenue Protection with Harvest Price Exclusion (ARP-HPE) County-wide revenue protection plan without upside price protection, with losses based on county revenue at the projected price.
• Area Yield Protection (AYP) County-wide yield protection plan where losses are based on the county trigger yield as determined by RMA.
• Livestock Gross Margin (LGM)-Dairy Livestock protection program that helps dairy farmers protect against declining market values and milk prices.
• Livestock Risk Protection (LRP) Livestock protection product against unexpected future declines in market values for cattle and swine.
• Dairy Revenue Protection (DRP) Protects dairy operations against declining milk revenue.
• Nursery Value Select (NVS) Allows nursery producers to select a dollar amount of coverage for field-grown and/or container-grown practices. Available in select states and counties.
• Crop-Hail Products Hail insurance coverage for crops, offered as standalone crop-hail policies sold through independent agents to farmers.
• MPCI Endorsements and Options Federal endorsements and options attached to MPCI policies, including Hurricane Wind Endorsement, Enhanced Coverage Option (ECO), Supplemental Coverage Option (SCO), and STAX (Stacked Income Protection).
• Base Price Modifier (BPM) Proprietary supplemental product that allows insureds to increase the price election under eligible plans for corn, grain sorghum, soybeans, wheat, and California tree nuts.
• MPowerD Supplemental product complementing Margin Protection through additional crop price discovery methods, allowing addition of $0.05-$0.25 to the MP projected price for corn and $0.10-$0.50 for soybeans. Available in IL, IA, MI, MN, NE, ND, OH, SD, WI.
• RPowerD Supplemental revenue product for Revenue Protection policyholders that establishes higher net revenue and bushel triggers with additional price discovery methods. Coverage from 50% to 85% with optional SCO/ECO offset.
• Replant Option (RO) Supplemental replant coverage offsetting costs not covered by the underlying MPCI policy. Covers adverse weather, fire, insects, plant disease, wildlife, earthquake, volcanic eruption, and irrigation failure. Available for corn, soybeans, cotton, popcorn, and rice.
• Crop Insurance Bundle Policy Combined coverage policy bundling Crop-Hail coverage, optional endorsements, and NAU RO Supplemental Replant Coverage in one policy at a discounted premium. Available by crop for corn, soybeans, cotton, and rice.
• Pasture Fire Insures Pasture, Rangeland, and Forage ground against fire from lightning strikes, equipment/machinery, and weather-related downed power lines. Covers fire department services up to $750. Available in AZ, AR, CO, ID, KS, MT, NE, NV, NM, ND, OK, OR, SD, TX, UT, WA, WY. Minimum premium of $250.
• EASYwriter Pro Agent-facing desktop application for quoting, processing, and managing crop insurance policies, accessed via Citrix. Provided to contracted independent agents as part of NAU Country's service model.
• EASYview Weather Weather monitoring and alert system providing Hail Probability Alerts and weather metrics for agents and farmers.
• Farmer Portal Online portal for policyholders to check coverage, access policy provisions, review claims status, and pay premiums. Enrollment requires policy number, policy type, and Tax ID.
• Hail Alerts Notification service for agents and farmers providing alerts when hail or high winds may have impacted insured fields.

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature7 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Crop Risk Services: Crop Risk Services is an AIP writing federal crop insurance through independent agents. It is comparable to NAU Country in product scope (MPCI plans, hail, livestock) and in agent-focused distribution and service model.
• ARMtech Insurance Services: ARMtech is a privately-held AIP providing federal multi-peril crop insurance and crop-hail coverage through a national agent network. It directly competes with NAU Country on MPCI plans, technology tools, and private supplemental products.
• Hudson Crop Insurance: Hudson Crop is an Approved Insurance Provider specializing in federal multi-peril crop insurance and crop-hail products. It offers a comparable MPCI product set distributed through independent agents and competes with NAU Country across the same farmer segments.
• Rain and Hail (Chubb): Rain and Hail, now part of Chubb, is one of the largest Approved Insurance Providers (AIPs) for federal crop insurance in the United States. It competes head-to-head with NAU Country for independent agent relationships and farmer policies across all major MPCI plans.
• Farmers Mutual Hail Insurance: Farmers Mutual Hail is a mutual insurer specializing in crop-hail and MPCI products, distributed through agents to American farmers. It competes with NAU Country directly in crop-hail and overlapping MPCI plans, particularly in the Midwest.
• ProAg (Zurich): ProAg is a Zurich-owned crop insurance provider and AIP offering MPCI, crop-hail, and livestock products through independent agents. It is a direct competitor with overlapping federal programs, agent distribution model, and supplemental product offerings.
• Rural Community Insurance Services (RCIS): RCIS, owned by Zurich Insurance Group, is a major AIP and one of the largest writers of federal crop insurance in the US. It is a direct competitor to NAU Country in MPCI, livestock, and supplemental crop products, distributed through independent agents.

Broad incumbents

• Tokio Marine HCC (Crop): Tokio Marine HCC writes federal crop insurance as part of a large global specialty insurance portfolio. It is a broad incumbent competitor to NAU Country in crop insurance but operates across many other insurance categories globally.
• Great American Insurance (Crop Division): Great American Insurance Group operates a crop insurance division as an AIP offering MPCI and hail products alongside a much broader specialty P&C portfolio. It is a broad incumbent competing with NAU Country in the federal crop channel but diversified across many other insurance lines.

Others

• QBE Insurance Group: QBE Insurance Group is NAU Country's parent company and a global multiline insurer. While QBE is not a direct peer to NAU Country in crop insurance, it is the corporate parent and ultimate capacity provider, making it the most relevant ecosystem participant for valuation and strategic comparison.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/nauitmarketing
• YouTubeyoutube.com/user/NAUCountryTraining
• Facebookfacebook.com/naucountryinsurance
• LinkedInlinkedin.com/company/458746
• Instagraminstagram.com/naucountry

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NAU Country Insurance Co.