Arm Services

What Arm Services does

ARM Services (ARM Services LLC) is a privately held, independent agricultural insurance agency headquartered in Barron, Wisconsin, operating under that name since 2018 after evolving from its predecessor Ag Risk Managers LLC. The firm provides a five-line insurance product portfolio targeting US farms and agribusinesses: crop insurance (Revenue Protection, Yield Protection, Area Revenue Protection, RP-HPE, APH plans), hail insurance, dairy and livestock insurance (LGM, DRP, DMC, LRP), pasture-rangeland-forage (PRF) and drought coverage, and farm-and-commercial property/casualty coverage for dwellings, equipment, buildings, liability, and agribusiness ventures. Revenue is generated through commissions from insurance carriers on the policies placed, supplemented by subscription-style fees for automated acreage and production reporting services.

The company's go-to-market is sales-led and relationship-driven, executed by a team of approximately eight licensed agents (including two co-owners and a business manager) supported by underwriting staff, totaling 11 full-time employees. Agents engage customers through phone, email, and on-farm consultations, conduct annual policy reviews, and host wintertime educational meetings, while the firm also runs an annual Ag Conference each January featuring keynote speakers on agricultural economics. Distribution is direct-to-farmer with no broker intermediaries, and the firm currently holds licensure in only one state (Wisconsin) despite marketing reach that references farms around the country.

ARM Services integrates a precision-farming technology stack alongside its insurance offerings, including GPS-powered field mapping, satellite-driven acre-level crop yield analytics, and automated reporting tools that streamline crop insurance, government agency, and operational filings. The technology is positioned as a workflow and accuracy enhancement for the insurance product rather than as a standalone SaaS offering, and there is no evidence of proprietary AI/ML models, patents, or external funding. The book of business disclosed on the company website is small — 110 policies, 1,000 crop acres insured, and zero forage acres insured — suggesting a regional, owner-operated agency rather than a scaled platform.

Name

Arm Services

Legal name

ARM Services LLC

Website

https://armservices.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

ARM Services is a Wisconsin-based independent agricultural insurance agency providing crop, hail, dairy/livestock, pasture-rangeland-forage, and farm property insurance to US farms, augmented by GPS and satellite-based precision farming tools.

Ownership category

akta.pro rank

Product category

Agricultural Insurance

NAICS

Farm Management Services (115116), Support Activities for Crop Production (11511), Support Activities for Animal Production (115210)

SIC

Insurance Agents, Brokers & Service (6411), Agricultural Services (700)

akta.pro primary industry

Farm Risk Management & Insurance Advisory (AFACAJAD)

akta.pro secondary industries

Crop & Farm Property Insurance (FSAJACAK), Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO), Farm Management Information Systems (FMIS) & Farm ERPs (AFAAAFAA)

Keywords

• Crop insurance
• Hail insurance
• Farm property insurance
• Livestock insurance
• Pasture rangeland forage

Headquarters

HQ city

Barron

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agency Services: ARM Services operates as an insurance agency providing crop insurance, farm property insurance, and ag-related commercial insurance. Revenue is generated through commissions from insurance carriers and fees for agricultural service products including automated production and acreage reporting capabilities.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

ARM Services is an independent agricultural insurance agency that places crop, hail, farm and commercial, dairy and livestock, and pasture/rangeland/forage insurance for Midwestern farmers. The agency pairs these insurance products with Precision Farming Tools—mapping, acreage reporting, hail risk analysis, and mobile-friendly digital workflows—to help farm operators select coverage, complete paperwork, and manage claims across the crop cycle.

Product overview

ARM Services is an agricultural insurance agency providing a comprehensive portfolio of insurance products for farms and agribusinesses. The core offering consists of five main insurance product lines: Crop Insurance (covering Revenue Protection, Yield Protection, Area Revenue Protection, RP-HPE, and APH plans), Hail Insurance (including the HPP supplementary plan), Farm and Commercial Insurance (property, equipment, liability, and agribusiness coverage), Dairy and Livestock Insurance (LGM, DRP, DMC, and LRP programs), and Pasture Rangeland and Forage Insurance (PRF and drought coverage). These products are supported by precision farming technology services including GPS field mapping, satellite yield analytics, and automated reporting tools. The company was formed in 2018 as an expansion from its predecessor Ag Risk Managers LLC, which focused primarily on crop insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Crop Insurance Multi-Peril Crop Insurance (MPCI), specialty MPCI, and companion crop coverage designed to protect row-crop and produce growers from yield and revenue losses. Aimed at Wisconsin and Midwestern farm operators needing federally-subsidized and private crop coverage, with on-farm agent service for sign-up and acreage reporting.
• Hail Insurance Private hail insurance covering direct crop damage from hailstorms, offered as a standalone policy or in combination with MPCI. Targeted at Wisconsin row-crop farmers seeking granular, field-level hail risk protection and quick claim turnaround.
• Farm and Commercial Insurance Property and casualty coverage for farm, ranch, and rural commercial operations, including farm dwellings, outbuildings, vehicles, equipment, inventory, and general liability. Designed for farm owner-operators and rural business owners in Wisconsin looking to bundle property protection with crop and livestock policies.
• Dairy and Livestock Insurance Dairy Revenue Protection (DRP) and Livestock Risk Protection (LRP) coverage that hedges against milk price volatility and livestock price or mortality risk. Targeted at Wisconsin dairy operations, feedlots, and cow-calf producers needing revenue and herd protection.
• Pasture, Rangeland and Forage Insurance Rainfall-index-based Pasture, Rangeland and Forage (PRF) coverage that compensates producers when rainfall in a grid falls below historical averages during selected intervals. Designed for Wisconsin livestock and forage producers managing grazing and hayland risk.
• Precision Farming Tools Digital Precision Farming Tools providing mapping, acreage reporting, hail risk analysis, and related decision-support functionality to ARM Services farmer-customers. Delivered through mobile-friendly, easy-to-use workflows that complement the agency's crop and hail insurance products.

Quantifiable outcome

• 10 years of continued client relationship (Ciolkosz family)
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Regional players

• Compeer Financial: Compeer Financial is a Farm Credit System lender serving Illinois, Minnesota, and Wisconsin that also distributes crop and farm insurance through affiliated agents — a direct regional peer competing for ARM's core Upper-Midwest farmer base.
• GreenStone Farm Credit Services: GreenStone Farm Credit Services is a Michigan/Wisconsin-based Farm Credit lender that also sells crop insurance through agency operations — comparable Midwest focus and product set to ARM Services.

Direct peers

• Hudson Crop Insurance: Hudson Crop Insurance provides multi-peril crop and related ag insurance products through independent agents, directly competing for the same farmer customers as ARM Services in the Midwest.
• NAU Country Insurance Company: NAU Country is a top-five U.S. crop insurance carrier with a heavy independent-agent distribution model, offering multi-peril crop, hail, and livestock policies comparable to ARM Services' portfolio.
• Rain and Hail (Chubb): Rain and Hail, a Chubb company, is one of the largest U.S. crop insurance providers, working through independent agents to deliver MPCI, hail, and named-peril products — the same product architecture ARM Services sells.
• Rural Community Insurance Services (RCIS): RCIS is a leading crop insurance provider serving American farmers through independent agents — same channel and product set (MPCI, hail, livestock, PRF) as ARM Services.
• ProAg: ProAg is a major crop insurance writer and managing general agency offering multi-peril crop, hail, and livestock coverage through independent agents — directly comparable to ARM Services' core crop insurance distribution role.

Broad incumbents

• Great American Insurance Group (Crop Division): Great American's Crop Division provides multi-peril crop, hail, and named-peril insurance through independent agents, competing head-to-head with ARM Services across product lines while operating as a much larger diversified carrier.
• Farm Bureau Financial Group: Farm Bureau Financial Group is the largest U.S. writer of farm and ranch insurance, offering crop, property, and life products through a captive agent network — a broad incumbent with significant overlap in farm property and crop lines.
• Nationwide Agribusiness: Nationwide Agribusiness is a major ag insurance provider offering farm property, liability, and crop coverage as part of Nationwide's broader commercial portfolio — overlapping with ARM's farm P&C and crop lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

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 Arm Services