Kentucky Growers

Name

Kentucky Growers

Legal name

Kentucky Growers Insurance Company

Website

https://kentuckygrowers.com

Company type

Private

Founded year

1896

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Lexington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Property and Casualty Insurance Premiums: Kentucky Growers generates revenue through property and casualty insurance premiums collected from policyholders. As a mutual insurance company, premiums are collected from members/policyholders to cover claims and operational costs. The company insures homes, farms, mobile homes, churches, and personal property in Kentucky.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Kentucky Growers is a mutual property and casualty insurance company that underwrites and services insurance policies for homes, farms, mobile homes, double-wide mobile homes, tenant houses, seasonal homes, churches, personal property, and farm property in rural and suburban Kentucky. The company also offers liability coverages including church liability, comprehensive personal liability, and farmer's comprehensive personal liability, with policies distributed through a network of over 100 independent insurance agents across 100+ Kentucky counties.

Product overview

Kentucky Growers is a property and casualty insurance provider operating as a mutual insurance company. Founded in 1896, it offers a portfolio of insurance products covering homes, farms, mobile homes, churches, and personal property across rural and suburban Kentucky. The company provides both property coverage (homes, farms, mobile homes, double-wide mobile homes, tenant houses, seasonal homes, churches, personal property, farm property) and liability coverage (church liability, comprehensive personal liability, and farmer's comprehensive personal liability). Policies are written and serviced by independent agents in over 100 counties throughout Kentucky.

Differentiator

Problem solved

Functional benefit

Products and services

• Homes Insurance Property insurance coverage for primary residential homes located in rural and suburban Kentucky.
• Farms Insurance Property insurance coverage for farms and agricultural operations in Kentucky.
• Mobile Homes Insurance Property insurance coverage for mobile home units in Kentucky.
• Double-Wide Mobile Homes Insurance Property insurance coverage for double-wide mobile home units in Kentucky.
• Tenant Houses Insurance Property insurance coverage for rental properties and tenant-occupied houses in Kentucky.
• Seasonal Homes Insurance Property insurance coverage for seasonal or vacation homes in Kentucky.
• Churches Insurance Property insurance coverage for churches and religious institutions in Kentucky.
• Personal Property Coverage Coverage for personal possessions and belongings.
• Farm Property Coverage Property insurance coverage for farm buildings, equipment, and agricultural assets.
• Church Liability Insurance Liability coverage for churches and religious organizations.
• Comprehensive Personal Liability Insurance Liability coverage protecting individuals against personal injury or property damage claims.
• Farmer's Comprehensive Personal Liability Insurance Liability coverage specifically designed for farmers, protecting against personal injury or property damage arising from farming operations.
• KG III Policy Quality coverage insurance policy for quality homes, launched in 1992 as an enhanced home insurance product.

Quantifiable outcome

• $4.04 billion in insurance in force (2013)
• +2 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Independent Insurance Agents NetworkcoreChannel Partner/ Reseller/ DistributorKentucky Growers operates exclusively through a network of independent insurance agents. Policies are written and serviced by independent agents in over one hundred counties in Kentucky. The network includes agencies such as The Randolph Scott Insurance Agency (Woodford Co.), Insurance Service Center (Whitley Co.), Cornerstone Insurance Services LLC (Wayne Co.), Heart of Kentucky Insurance Agency (Washington Co.), Chas. M. Moore Insurance Agency (Warren Co.), and many others across the state.

Scale indicators6 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Kentucky Farm Bureau Insurance: Kentucky's other major agricultural/property mutual-style insurer, also serving rural and farm households statewide. Directly comparable on customer base (KY farms and homes), product mix (home, farm, and personal property), and mutual-style structure, making it the closest head-to-head competitor.
• Shelter Insurance: A regional mutual P&C carrier headquartered in Missouri with strong rural and farm property offerings across the Midwest. Similar product mix (home, farm, personal property), similar mutual structure, and similar agent-led distribution model overlapping with Kentucky Growers in agricultural customer segments.
• Tennessee Farmers Insurance: A state-focused mutual insurer serving rural homes, farms, and personal property exclusively in Tennessee. Highly comparable business model (mutual, state-only geographic focus, rural home/farm niche, agency distribution), differing mainly by state.
• Grange Insurance: A mutual P&C carrier with personal-lines focus serving the Midwest and South. Comparable on mutual structure, personal property emphasis, and agency-led distribution, though operating across more states than Kentucky Growers.

Broad incumbents

• Erie Insurance: A larger regional mutual P&C insurer serving the Mid-Atlantic and Midwest with home, auto, and umbrella products. Comparable in mutual structure and personal-lines focus, though broader geographic footprint and multi-line product portfolio.
• State Farm: Largest US personal-lines insurer with significant rural Kentucky agent penetration. Competes on home and property coverage for the same farm/rural households KG serves, with vastly broader scale and product set.
• Farm Bureau Financial Group: Multi-state farm-affiliated P&C and life carrier built around rural and agricultural customers. Comparable customer base (rural households and farms) and property offerings; broader multi-state reach and product mix.
• Auto-Owners Insurance: Regional P&C carrier with strong independent-agent distribution and personal property products. Overlaps with KG in agent-led home/property distribution and rural homeowner segment, though broader geographic and product footprint.
• Cincinnati Financial: Ohio-headquartered multi-line regional P&C insurer serving the Midwest with strong commercial and personal property books. Comparable on regional Midwest concentration and agent distribution model, though much larger and more diversified.
• Nationwide: Large multi-line national P&C carrier with significant rural property and farm coverage in Kentucky. Competes for the same rural/farm customer base that Kentucky Growers insures, with broader product, geographic, and capital scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Kentucky Growers