Town & Country Insurance Agency

What Town & Country Insurance Agency does

Town & Country Insurance Agency, LLC is a privately held independent insurance agency headquartered in Minot, North Dakota, with branch offices in Fargo and Berthold and a stated service footprint covering North Dakota and Minnesota. Founded in 2012 and operating as an LLC, the agency employs approximately 13 licensed agents and support staff (per the Meet Our Team page) and offers a multi-line insurance portfolio spanning farm, crop, personal lines, commercial lines, health, life, and Medicare products. As an independent agency it represents multiple insurance carriers, enabling agents to match customers with coverage across categories, including Multi-Peril Crop Insurance, Hail, Home, Auto, Flood, Umbrella, commercial property and liability, Health Insurance Marketplace plans, Medicare supplements and Advantage plans, life insurance, annuities, and long-term care products. The firm holds Health Insurance Marketplace certification and emphasizes agricultural insurance expertise tailored to North Dakota farming operations.

The business model is commission-based: agents earn initial and renewal commissions from insurance carriers on policies placed through the agency, producing recurring revenue tied to policy persistency. Go-to-market is sales-led and relationship-driven, relying on direct agent-to-customer contact through in-person office consultations, phone outreach, and community-based referral networks. Marketing channels are limited to a professional website, phone, and agent referrals, with no proprietary technology platform disclosed. Technology is limited to standard industry software for policy management, CRM, and carrier connectivity, plus a Zix secure email portal for client communications. Town & Country appears to be a family-influenced, closely-held operation with no venture capital, private equity, or public ownership signals. Revenue figures are not disclosed, and the agency operates without documented M&A activity, funding rounds, or major restructuring events.

Name

Town & Country Insurance Agency

Legal name

Town & Country Insurance Agency, LLC

Website

https://tandcinsurance.org

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Town & Country Insurance Agency is an independent insurance agency headquartered in Minot, North Dakota, offering farm, crop, personal, commercial, health, life, and Medicare coverage across three ND offices serving individual, farm, and small-business customers.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Crop & Farm Property Insurance (FSAJACAK)

akta.pro secondary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Independent insurance agency
• Farm and crop insurance
• Personal lines insurance
• Commercial lines insurance
• Health and Medicare insurance

Headquarters

HQ city

Minot

HQ country

United States

HQ region

North America

Offices3 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 Commissions: As an independent insurance agency, Town & Country Insurance Agency earns revenue through commissions paid by insurance carriers for policies sold and renewed. Agents represent multiple insurance companies, allowing them to match customers with appropriate coverage. Commission income includes initial policy commissions and renewal commissions on ongoing policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Town & Country Insurance Agency is an independent insurance agency that sells and services insurance policies on behalf of multiple carriers. It offers farm, crop, personal lines (home, auto, flood, umbrella), commercial lines, health, life, and Medicare insurance products, matching customers with appropriate coverage from its carrier network across North Dakota.

Product overview

Town & Country Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products and services. The agency provides Farm, Crop, Personal Lines, Commercial Lines, Health Insurance, Life Insurance, and Medicare coverage. As an independent agency, they work with multiple insurance carriers to tailor policies to individual customer needs, emphasizing risk management, claims service, and extensive product knowledge.

Differentiator

Problem solved

Functional benefit

Products and services

• Farm Insurance Farm insurance coverage protecting family farms and agricultural operations. Works with multiple farm insurance companies to create customized policies for North Dakota farm owners.
• Crop Insurance Crop insurance including Multi-Peril Crop Insurance and Hail Insurance. Provides ongoing policy and procedure updates to protect farmers' agricultural businesses.
• Personal Lines Insurance Personal insurance coverage including home, auto, flood, and umbrella policies. Partnered with multiple insurance companies to provide best coverage and premium options for individuals and families.
• Commercial Lines Insurance Commercial insurance coverage for business exposures in the North Dakota market, including commercial property, business liability, and business interruption coverage for commercial enterprises.
• Health Insurance Health, dental, and vision insurance for individuals and employers. The agency is certified through the Health Insurance Marketplace for assisted enrollment.
• Life Insurance Life insurance coverage to protect families, satisfy debts, and cover final expenses. Additional products include annuities, long-term care insurance, and final expense plans, plus business continuity and key employee coverage.
• Medicare Coverage Medicare-related insurance products including Medicare supplements, Cost Plans, Medicare Advantage, and prescription drug plans. Represents 7 organizations offering 26 products to Medicare beneficiaries.

Segments5 records

Ideal customer profiles4 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.

• Multiple Insurance CarrierscoreChannel Partner/ Reseller/ DistributorTown & Country Insurance Agency works with multiple insurance companies to provide a variety of coverage options to customers. As an independent agency, they represent various carriers enabling them to match customers with appropriate policies based on coverage needs and budget. The specific carrier names are not listed on the website.

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Emerging players

• Goosehead Insurance: Independent insurance agency franchise leveraging a tech-enabled platform to distribute personal and commercial lines. Comparable independent-agency economics with a contrasting technology-first operating model that highlights the tech gap at Town & Country.

Broad incumbents

• Erie Insurance: Regional P&C carrier selling through exclusive agents across personal and commercial lines. Comparable in agent-led multi-line distribution and regional concentration, though significantly larger and more geographically constrained than national carriers.
• State Farm: Largest U.S. personal lines insurer with a captive agent model and growing presence in small commercial. Comparable multi-line agency distribution, though at vastly greater scale and with deep brand recognition across North Dakota.
• Farm Bureau Financial Group: Farm Bureau-affiliated multi-line insurer with deep rural and agricultural roots, distributing through local agents across the Midwest. Comparable farm/crop and personal lines portfolio with similar rural customer base.
• Auto-Owners Insurance: Midwest-based multi-line property and casualty carrier distributing through independent agents. Comparable reliance on independent-agency distribution and similar personal/commercial/farm mix, but operating at materially greater scale.

Direct peers

• Shelter Insurance: Mutual insurer offering auto, home, life, and business coverage through a captive agent force across the Midwest and South. Comparable multi-line independent-agent-style distribution and small-to-mid-sized regional footprint.
• COUNTRY Financial: Midwest-headquartered multi-line financial services and insurance organization selling farm, personal, commercial, life, and Medicare-like products through a network of local agents. Comparable in multi-line portfolio and agent-driven distribution across rural markets.
• Nodak Mutual Insurance Company: North Dakota-based mutual insurance company writing personal, farm, and commercial lines through independent agents in the same regional market. Closest geographic and product-line comparable to Town & Country's ND-focused multi-line independent agency model.
• Farmers Union Insurance (North Dakota): Regional farm-focused insurer serving North Dakota through captive and independent agents. Comparable crop, farm property, and personal lines mix with a similar agricultural customer base across ND counties.

Regional players

• North Star Mutual Insurance Company: Upper-Midwest regional mutual insurer selling personal and commercial lines through independent agents. Comparable independent-agent distribution model and Midwest regional footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/tandcinsagency

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 Town & Country Insurance Agency