ECM Insurance Group
ECM Insurance Group is a privately held mutual insurance holding company underwriting specialty farm, ranch, equine, and commercial farm auto coverage through three carriers, distributed exclusively via independent agents across 48 states plus DC.
- Company typePrivate
- Founded1913
- HeadquartersEverett, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What ECM Insurance Group does
ECM Insurance Group is a privately held mutual insurance holding company headquartered in Everett, Pennsylvania, that operates three U.S. property and casualty carriers: Everett Cash Mutual Insurance Company (founded 1913 in Pennsylvania by Simon F. Whetstone), 1st Choice Advantage (established 2000 in Pennsylvania), and American Reliable Insurance Company (originated 1952 in Arizona, acquired into the group in 2022). The group's underwriting focus is on specialty, niche personal and small-commercial lines — farm and ranch property, equine mortality and liability, commercial farm auto, farm administration certificates, and a growing slate of specialty programs. Distribution is exclusively through independent agency partners, with no direct-to-consumer or captive-agent channel disclosed. Coverage is licensed across 48 states plus the District of Columbia, and the group maintains a secondary office in Phoenix, Arizona tied to the American Reliable operation. Its American Reliable subsidiary carries an AM Best "A" (Excellent) financial strength rating, which is the primary third-party validation signal available. No public revenue, premium volume, or employee count beyond the 11–50 band is disclosed; the organization is described as a mutual holding structure with a "Plan of Conversion" referenced on the corporate website, suggesting an ongoing or contemplated restructuring.
ECM Insurance Group firmographics
Firmographics- Name
- ECM Insurance Group
- Legal name
- ECM Insurance Group
- Website
- https://everettcash.com
- Company type
- Private
- Founded year
- 1913
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ECM Insurance Group is a privately held mutual insurance holding company underwriting specialty farm, ranch, equine, and commercial farm auto coverage through three carriers, distributed exclusively via independent agents across 48 states plus DC.
- Ownership category
- akta.pro rank
ECM Insurance Group industry classification
Industry- Product category
- Agricultural Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Crop & Farm Property Insurance (FSAJACAK)
- akta.pro secondary industry
- Farm Risk Management & Insurance Advisory (AFACAJAD)
Keywords
Where ECM Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Everett
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
ECM Insurance Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Marketing or Sales, Personnel, Operations, Others
Revenue model
- Insurance Premiums: ECM Insurance Group generates revenue through insurance premiums collected from policyholders across its three carrier subsidiaries. The group provides farm, ranch, agricultural, equine, and commercial insurance coverage, with policyholders making recurring premium payments for coverage.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
ECM Insurance Group product offering
Product offeringCore offering
ECM Insurance Group underwrites and distributes farm, ranch, agricultural, equine mortality, and commercial insurance through three subsidiary carriers (Everett Cash Mutual Insurance, 1st Choice Advantage, American Reliable Insurance) sold exclusively via a network of appointed independent agency partners. Coverage spans property, livestock, equipment, liability, commercial farm auto, business interruption, specialty programs (brewery, winery, restaurant, contractors, B&B, antique dealer, carwash, taxidermist), and streamlined Farm Administration Certificates for agricultural lenders.
Product overview
ECM Insurance Group is an insurance holding company consisting of three subsidiary carriers: Everett Cash Mutual Insurance (established 1913, Pennsylvania-based), 1st Choice Advantage Insurance Company (established 2000, Pennsylvania-domiciled), and American Reliable Insurance Company (established 1952, Arizona-domiciled, AM Best Rated 'A' Excellent). The Group provides a unified portfolio of farm, ranch, agricultural, and commercial insurance solutions through independent agency partners serving 48 states and DC. Core product offerings span farm and ranch insurance, equine insurance, commercial farm auto, agricultural coverage, and specialty programs (brewery, winery, restaurant, contractors, etc.). Policyholder and agent access is managed through integrated digital platforms including the MY ECM Policyholder Portal, ARIC Policyholder Portal, and Agent Policy Management System.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- AM Best "A" (Excellent) financial strength rating ensures claims will be paid when policyholders need them most
Companies that use ECM Insurance Group
Customer profileSegments3 records
Ideal customer profiles4 records
ECM Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
ECM Insurance Group partnerships and signals
Strategic signalScale indicators4 records
Expansion highlights5 records
ECM Insurance Group competitors and assessment
Company assessmentEmerging players
- ARMtech Insurance Services: Specialty crop and ag MGA/carrier that competes for the same farm operator policyholders as ECM, focused on multi-peril crop and farm property coverage.
Direct peers
- ProAg (Global Ag Insurance Solutions): Crop insurance specialist writing through independent agents, directly comparable in agricultural underwriting focus and agent distribution model.
- Nationwide Agribusiness: Nationwide's agribusiness division underwrites farm, ranch, and equine insurance through independent agents, directly competing with ECM in the same agricultural specialty niche at a larger scale.
- Farm Bureau Financial Group: Mutual-style farm insurer offering farm and ranch, crop, and personal lines through captive and independent agent channels across the Midwest, with similar rural heritage and ag specialization.
- Country Financial: Mutual insurer (Country Mutual) providing farm, crop, auto, home, and life insurance in the Midwest, directly comparable in mutual structure and ag-focused product mix.
Broad incumbents
- American Family Insurance: Large mutual P&C carrier with significant farm and agribusiness insurance operations in the Midwest, offering broader personal lines alongside ag products served by independent agents.
- Markel Insurance: Specialty insurer with notable equine mortality, farm, and agribusiness programs, competing with ECM in the equine specialty and overlapping in farm/ranch products.
- Great American Insurance Group: Specialty P&C carrier with established equine, farm, and crop insurance divisions that compete head-on with ECM's equine mortality and agricultural product lines.
- Cincinnati Financial: Property and casualty insurer with a strong independent agent distribution model and meaningful commercial agribusiness exposure across the Midwest.
Regional players
- Shelter Insurance: Mutual regional P&C carrier serving the central Midwest with farm and personal lines through captive agents — comparable mutual structure and rural customer base, though geographically narrower than ECM.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
ECM Insurance Group social profiles
Digital presenceECM Insurance Group compliance and trust
Trust signalCompliance1 record
ECM Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
ECM Insurance Group leadership team
Management profileNumber of profiles
ECM Insurance Group subsidiaries and ownership
Company hierarchySubsidiaries3 records
ECM Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ECM Insurance Group M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ECM Insurance Group
What does ECM Insurance Group do?
ECM Insurance Group underwrites and distributes farm, ranch, agricultural, equine mortality, and commercial insurance through three subsidiary carriers (Everett Cash Mutual Insurance, 1st Choice Advantage, American Reliable Insurance) sold exclusively via a network of appointed independent agency partners. Coverage spans property, livestock, equipment, liability, commercial farm auto, business interruption, specialty programs (brewery, winery, restaurant, contractors, B&B, antique dealer, carwash, taxidermist), and streamlined Farm Administration Certificates for agricultural lenders.
Is ECM Insurance Group a public or private company?
ECM Insurance Group is a private company. It is classified as management employee owned and is currently operating.
When was ECM Insurance Group founded?
ECM Insurance Group was founded in 1913. It employs 11 to 50 people.
Where is ECM Insurance Group based?
ECM Insurance Group is headquartered in Everett, United States, in the North America region.
How does ECM Insurance Group make money?
One revenue line is on record: insurance Premiums.
Who are ECM Insurance Group's main competitors?
ARMtech Insurance Services is listed as an emerging player. Direct peers are ProAg (Global Ag Insurance Solutions), Nationwide Agribusiness, Farm Bureau Financial Group and Country Financial. Broad incumbents are American Family Insurance, Markel Insurance, Great American Insurance Group and Cincinnati Financial. Shelter Insurance is listed as a regional player.
Does ECM Insurance Group have an API?
No public API is recorded for ECM Insurance Group.
What industry is ECM Insurance Group in?
ECM Insurance Group's product category is Agricultural Insurance. Its primary akta.pro industry code is FSAJACAK, Crop & Farm Property Insurance, with a secondary code of AFACAJAD, Farm Risk Management & Insurance Advisory. Its NAICS code is 524126 and its SIC code is 6331.