Baumgardner-Lind Adjusters

What Baumgardner-Lind Adjusters does

Baumgardner-Lind Adjusters, Inc. is an independent insurance claims adjusting firm founded in 1934 and headquartered in Billings, Montana. The firm provides professional claims handling services to insurance carriers across property and casualty, auto investigations and appraisals, general liability, fire and liability investigation and settlement, subrogation, truck and heavy equipment, major disasters, railroad liability (Class 1 and Short Line, including FELA, crossing accidents, trespass), storms and catastrophic events, and workers' compensation. Its core technology is advanced computerized claims reporting software deployed across its offices to support auto, property, and workers' compensation lines. The firm operates from four Montana offices (Billings corporate, Great Falls, Helena, Sidney) and serves clients across Montana, Northern Wyoming, and North Dakota.

The business model is B2B professional services sold directly to insurance carriers on a quote-based pricing model. Revenue is generated per claim handled, with competitive pricing and a sales-led go-to-market that relies on the firm's reputation, longevity, and adjuster expertise rather than marketing channels. The firm positions itself on its 150+ years of combined adjuster experience, demonstrated catastrophe response track record (e.g., 8,000+ hail storm claims across 1991, 1993, 1997, and 1998; 1989 Billings explosion; 1997 Alberton chlorine spill), and local presence for prompt regional response.

The company is privately held and family-operated, with Roger Kern serving as President (joined 1998) and Diana Kern as Corporate Office Administrator and Office Manager. J. Kenneth Lind remains Of Counsel, retired. There is no disclosed external ownership, venture capital, or private equity involvement, and no public capital markets activity. With 11-50 employees and no disclosed revenue, the firm operates as a small regional professional services business anchored by experienced adjusters and long-standing carrier relationships.

Name

Baumgardner-Lind Adjusters

Legal name

Baumgardner-Lind Adjusters, Inc.

Website

https://baumgardner-lind.com

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

1–10 employees

Short description

Baumgardner-Lind Adjusters is a Montana-based independent insurance claims adjusting firm founded in 1934 that provides property, casualty, auto, liability, railroad, and catastrophe claims handling to insurance carriers across Montana, Northern Wyoming, and North Dakota.

Ownership category

akta.pro rank

Product category

Independent Insurance Claims Adjusting

NAICS

Claims Adjusting (524291)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Catastrophe Claims & Loss Adjustment Services (FSAOACAO)

Keywords

• Independent claims adjusting
• Insurance claims handling
• Property casualty claims
• Catastrophe response services
• Railroad liability claims

Headquarters

HQ city

Billings

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Claims Adjusting Services: Professional claims handling services to insurance companies including property and casualty, auto investigations, liability investigations, and disaster response. Services provided at competitive pricing through strategically located Montana offices.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Baumgardner-Lind Adjusters is an independent insurance claims adjusting firm that handles property and casualty, auto, general liability, fire, subrogation, truck and heavy equipment, railroad liability, and storm/catastrophic event claims on behalf of insurance companies. Services are delivered through offices in Billings, Great Falls, Helena, and Sidney, Montana, with all claims coordinated via the Billings Corporate Office using advanced computerized claims reporting software.

Product overview

Baumgardner-Lind Adjusters, Inc. is an independent insurance claims adjusting firm established in 1934, offering a unified portfolio of claims handling services. The company operates as a single integrated service offering with multiple specialized practice areas delivered through a network of Montana offices. Their core services include Property and Casualty Claims Adjusting, Auto Investigations and Appraisals, General Liability, Fire and Liability Investigation, Subrogation, Truck and Heavy Equipment Claims, Major Disasters Response, Railroad Liability Claims, and Storms/Catastrophic Events Response. All claims are coordinated through their Billings Corporate Office using computerized software for claims reporting across auto, property, and workers' compensation lines. The company leverages advanced technology and has adjusters with over 150 years of combined experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Property and Casualty Claims Adjusting

Quantifiable outcome

• Over 8,000 claims handled from severe hail storms in 1991, 1993, 1997, and 1998
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Eberl Claims Service: Independent claims adjusting firm providing property, casualty, auto, and catastrophe claims services to insurance carriers across multiple U.S. regions. Directly comparable in service mix and carrier-focused B2B model.
• Pilot Catastrophe Services: Independent adjusting firm focused on catastrophe and large-loss claims response for insurance carriers. Directly comparable to Baumgardner-Lind's catastrophe and disaster response specialty.
• Sedgwick: One of the largest independent claims adjusting and managed care firms in North America, serving property & casualty, auto, liability, and catastrophe claims for insurance carriers. Directly comparable to Baumgardner-Lind's core service lines, though operating at vastly greater scale and geographic breadth.
• Adjusters International: Independent adjusting firm specializing in property loss claims and disaster response for insurance carriers and policyholders. Directly comparable to Baumgardner-Lind's property and catastrophe claims work.
• The Littleton Group: Independent insurance adjusting firm providing multi-line claims services to insurance carriers across the U.S. Comparable in core service offering and carrier B2B model.
• Crawford & Company: Global independent claims management provider offering property & casualty adjusting, catastrophe response, and loss adjusting services to insurers. Direct competitor in independent P&C claims adjusting with national and international reach.
• RYAN Claims Services: Independent property and casualty adjusting firm serving insurance carriers with multi-line claims handling. Comparable in service portfolio and carrier-focused B2B delivery model.

Regional players

• York Claims Services: Regional independent claims adjusting firm operating in the Mid-Atlantic and Northeast U.S., providing P&C and liability adjusting to carriers. Comparable service offering with comparable size, but different geographic footprint.

Broad incumbents

• GAB Robbins North America: Independent claims management provider handling property, casualty, auto, and liability claims for major insurers. Comparable in claims adjusting services but broader in geographic reach and service portfolio.

Others

• Independent Insurance Adjusters (IIA) members: Industry association representing independent adjusting firms; its member firms (e.g., regional IA firms in the Western U.S.) are direct comparables to Baumgardner-Lind in business model, customer type, and service scope, though not a single competing company.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/baumgardner-lind-adjusters

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Baumgardner-Lind Adjusters