Carden & Associates
Carden & Associates is a privately-held crop insurance agency founded in 1998 that represents AgriSompo North America, providing federal crop insurance and private risk management products to farmers, growers, and ranchers across Florida, Georgia, Alabama, and Missouri.
- Company typePrivate
- Founded1998
- HeadquartersWinter Haven, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Carden & Associates does
Carden & Associates is a privately-held crop insurance agency founded in 1998 by Bob Carden, Jr., a citrus and nursery grower from Polk County, Florida. The firm sells and services federal crop insurance and private risk management products on behalf of AgriSompo North America to farmers, growers, and ranchers across four states — Florida, Georgia, Alabama, and Missouri — supported by five physical offices and a team of full-time salary-plus-commission agents. Its product portfolio spans revenue protection, production coverage, dollar plans, hurricane policies, Livestock Risk Protection for cattle, and Pasture, Rangeland, and Forage (PRF) Rainfall Index coverage, with claims processing as a dedicated service line.
The agency has invested in custom in-house technology rather than relying solely on standard carrier tools, including GPS-based field mapping for coverage evaluation and drone-assisted crop analysis for documentation and assessment. It is a sales-led, relationship-driven business in which agents are positioned as trusted advisors with deep agricultural backgrounds, backed by a stated larger support team. Marketing is multi-channel, combining social media, trade-show participation across roughly a dozen state and regional grower associations, community engagement, and a quarterly newsletter (Agri-Digest Quarterly) launched in 2026.
Carden generates revenue through commissions on crop insurance policies sold and renewed. Compensation is a hybrid of salary plus new-business and renewal commissions, which produces a recurring revenue profile tied to the annual renewal cycle of federal crop programs. The firm is privately held by its founder with no institutional investors, parent company, or disclosed subsidiaries, and has no recorded funding rounds or M&A activity.
Carden & Associates firmographics
Firmographics- Name
- Carden & Associates
- Legal name
- Carden & Associates, Inc.
- Website
- https://cardeninsurance.com
- Company type
- Private
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Carden & Associates is a privately-held crop insurance agency founded in 1998 that represents AgriSompo North America, providing federal crop insurance and private risk management products to farmers, growers, and ranchers across Florida, Georgia, Alabama, and Missouri.
- Ownership category
- akta.pro rank
Carden & Associates industry classification
Industry- Product category
- Crop Insurance
- SIC
- Insurance Agents, Brokers & Service (6411), Agricultural Services (700)
- akta.pro primary industry
- Crop & Farm Property Insurance (FSAJACAK)
- akta.pro secondary industry
- Farm Risk Management & Insurance Advisory (AFACAJAD)
Keywords
Where Carden & Associates is headquartered
LocationHeadquarters
- HQ city
- Winter Haven
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Carden & Associates business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Crop Insurance Sales and Servicing: Revenue is generated through commissions on crop insurance policies sold and serviced. The company represents AgriSompo North America and offers federal crop insurance along with private risk management products. Agents are compensated with salary plus new business and renewal commissions.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels6 records
Carden & Associates product offering
Product offeringCore offering
Carden & Associates is a crop insurance agency that sells and services Federal crop insurance and private risk management products for farmers, growers, and ranchers. The company represents AgriSompo North America and provides coverage across citrus, row crops, nursery, livestock, and specialty crops in Florida, Georgia, Alabama, and Missouri, supported by custom-built GPS field mapping and drone-assisted crop analysis tools and a network of full-time field agents.
Product overview
Carden & Associates operates as a crop insurance agency offering a suite of insurance products centered around Federal Crop Insurance programs administered through USDA RMA, along with private risk management products. The company represents AgriSompo North America and provides coverage across multiple crop types including citrus, row crops, nursery, and specialty crops. Core offerings include Livestock Risk Protection for cattle producers and PRF (Pasture, Rangeland, Forage) Rainfall Index insurance for grazing land protection. The company serves customers in Florida, Georgia, Alabama, and Missouri through five office locations, with claims processing and agent support as key service components.
Differentiator
Problem solved
Functional benefit
Brands
- Agri-Digest Quarterly: Quarterly newsletter providing crop insurance insights, agricultural policy updates, and risk-management guidance from Carden & Associates specialists.
Products and services
- Crop Insurance Services
Companies that use Carden & Associates
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles3 records
Carden & Associates technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Carden & Associates partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered minor and core.
- Alabama Cattlemen's AssociationminorIndustry association representing Alabama beef producers through advocacy, education, and statewide member support. Carden & Associates collaborates with this organization to serve cattle producers in Alabama.
- Alabama Farmers FederationminorOrganization representing Alabama farmers and rural communities through advocacy and membership programs. Partnership supports outreach to Alabama agricultural community.
- Crop Insurance Professionals Association (CIPA)minorNational trade group supporting crop insurance agents, adjusters, companies, and American agriculture. CIPA membership indicates industry participation and professional development.
- Florida Bamboo Growers' AssociationminorAssociation supporting Florida's emerging bamboo industry through grower collaboration and sustainable agricultural development.
- Florida Blueberry Growers AssociationminorSupports Florida blueberry growers through education, industry promotion, and long-term sustainability efforts.
- Florida Cattlemen's AssociationminorRepresents Florida cattle producers through advocacy, education, and member services. Partnership supports cattle industry coverage in Florida.
- Florida Citrus MutualminorAdvocacy organization for Florida citrus growers supporting the industry's long-term success. Important partnership given company's Florida roots.
- Florida Farm BureauminorGrassroots organization representing Florida farmers, ranchers, and rural communities across the state.
- Florida Nursery Growers AssociationminorSupports Florida nursery and landscape businesses through advocacy, education, and industry programs.
- Georgia Cattlemen's AssociationminorRepresents Georgia cattle producers through advocacy, education, and industry promotion.
- Georgia Pecan Growers AssociationminorAdvances Georgia's pecan industry through research, education, marketing, and grower support.
- Missouri Cattleman's AssociationminorRepresents Missouri cattle producers through advocacy and industry support. Supports coverage services at the Missouri office location.
- National Crop Insurance ServicesminorProvides crop insurance data, research, actuarial support, and industry education services.
- University of Florida Institute of Food and Agricultural SciencesminorProvides agricultural research, education, and Extension resources throughout Florida. Partnership supports educational outreach and research collaboration.
- Saunders Real EstateminorSpecializes in land, ranch, and commercial real estate across the southeastern United States. Cross-referral relationship for farmland clients.
- AgriSompo North AmericacoreStrategic relationship with AgriSompo North America, a global leader in agricultural risk management. This partnership allows Carden & Associates to offer expanded products and advanced technology solutions designed to help farmers recover and continue growing after unexpected events.
Scale indicators2 records
Recent moves5 records
Expansion highlights6 records
Carden & Associates competitors and assessment
Company assessmentDirect peers
- ARMtech Insurance Services: Crop insurance carrier with strong agent-distribution model across multiple crops and geographies. Comparable to Carden in serving similar grower segments via federal crop products.
- Diversified Crop Insurance Services: Multi-state crop insurance agency focused on serving growers with federal crop products and risk management — a closer functional peer to Carden in scope and in how it goes to market through W-2/1099 agents.
Regional players
- Farm Bureau Financial Group: Affinity insurance provider with deep roots in the agricultural community across multiple states. Comparable to Carden in customer profile (farmers/growers) and in providing crop and farm-related coverage.
- Country Financial (Country Companies): Regional insurance and financial services group with crop insurance products serving farm operators in the Midwest and Southeast. Comparable to Carden in grower customer base and crop insurance focus, though it offers a much wider product portfolio.
Broad incumbents
- Rural Community Insurance Services (RCIS): Crop insurance provider serving primarily row crop and specialty crop growers through a national agent network. Comparable to Carden via federal crop distribution and multi-state agency model.
- Hudson Insurance Group: Specialty insurance carrier with a crop insurance division underwriting federal multi-peril and specialty crop products via agency partners. Comparable to Carden/Agrisompo on the carrier side of the same crop insurance value chain.
- Great American Insurance Group (Crop Division): Diversified P&C carrier operating a crop insurance division distributing federal crop products through agents across multiple states. Comparable distribution channel and product set to Carden's.
- Rain and Hail: One of the largest crop insurance Approved Insurance Providers in the U.S., offering multi-peril and specialty crop coverage through a national agency network. Comparable to Carden as a major federal crop insurance distributor and potential carrier/back-office counterparty.
- NAU Country Insurance Company: Top-five crop insurance carrier working through regional agents nationwide. Comparable to Carden via the same federal crop insurance distribution model and grower relationships.
- ProAg (Global Ag): Major crop insurance provider operating through a large network of independent agents across multiple states. Comparable to Carden as an AIP distributing federal multi-peril crop insurance and specialty products to growers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Carden & Associates social profiles
Digital presenceCarden & Associates financial estimates
Financial estimateRevenue estimate
Valuation estimate
Carden & Associates leadership team
Management profileNumber of profiles
Profiles1 record
Carden & Associates funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Carden & Associates M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Carden & Associates
What does Carden & Associates do?
Carden & Associates is a crop insurance agency that sells and services Federal crop insurance and private risk management products for farmers, growers, and ranchers. The company represents AgriSompo North America and provides coverage across citrus, row crops, nursery, livestock, and specialty crops in Florida, Georgia, Alabama, and Missouri, supported by custom-built GPS field mapping and drone-assisted crop analysis tools and a network of full-time field agents.
Is Carden & Associates a public or private company?
Carden & Associates is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Carden & Associates founded?
Carden & Associates was founded in 1998. It employs 101 to 250 people.
Where is Carden & Associates based?
Carden & Associates is headquartered in Winter Haven, United States, in the North America region.
How does Carden & Associates make money?
One revenue line is on record: crop Insurance Sales and Servicing.
Who are Carden & Associates's main competitors?
Direct peers on record are ARMtech Insurance Services and Diversified Crop Insurance Services. Regional players are Farm Bureau Financial Group and Country Financial (Country Companies). Broad incumbents are Rural Community Insurance Services (RCIS), Hudson Insurance Group, Great American Insurance Group (Crop Division), Rain and Hail, NAU Country Insurance Company and ProAg (Global Ag).
Does Carden & Associates have an API?
No public API is recorded for Carden & Associates.
What industry is Carden & Associates in?
Carden & Associates's product category is Crop 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 SIC code is 6411.