What Windmark Crop Division does

Windmark Crop Division (legal entity: Windmark Insurance Agency, LLC) is a privately held Texas-based crop insurance agency founded in 1997 and headquartered in Lubbock, Texas. The company operates as a key general agency for approved insurance providers administering the Federal Crop Insurance Corporation (FCIC) and USDA Risk Management Agency (RMA) programs, distributing a broad portfolio of crop and livestock insurance products including Multi-Peril Crop Insurance (MPCI) with Revenue Protection, Yield Protection, and Area Risk Protection variants, Crop Hail, Rainfall Index policies (Pasture, Rangeland and Forage and Annual Forage), Whole Farm Revenue Protection, Livestock Risk Protection, Livestock Gross Margin, Dairy Revenue Protection, Nursery, and Apiculture insurance. The technology backbone is regulatory product administration with deterministic data feeds (NOAA Climate Prediction Center rainfall index data for PRF/AF policies) rather than proprietary AI/ML systems.

The business model is commission-based revenue on federal and private crop insurance premiums, with operations spanning 17 states supported by a network of 100+ affiliated agencies and 150+ agents (and agent presence across 28 states). Go-to-market combines a B2B2C channel partner model, where Windmark provides wholesale marketing, processing, and underwriting support to affiliated agencies, with direct business underwriting through company employees and field marketing representatives. The company also distributes agribusiness insurance products through partnerships with major carriers including Hartford Livestock, Liberty Mutual, Travelers, Philadelphia Insurance, MARM Irrigation, Diversified Agrisurance, CHUBB, and McNeil & Co., covering farm property, livestock mortality, irrigation equipment, and specialty operations such as wineries, hunting lodges, and feedlots.

Customer segments include farm and ranch operations, hay and livestock producers, agribusiness operations, and specialty farms (nursery, apiculture, organic/diversified). Customers are primarily SMBs (individual farms and ranches) with a long tail of producers across the U.S. agricultural belt. Pricing is quote-based and not publicly disclosed; FCIC products receive federal premium subsidies ranging from 35% to 75% depending on product and coverage level, and private products are sold through carrier partnerships. The company leadership is led by President Kelly Deterding with a small internal team (11-50 employees) supported by regional market representatives and specialty product coordinators.

Name

Windmark Crop Division

Legal name

Windmark Insurance Agency, LLC

Website

https://windmarkcrop.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Windmark Crop Division is a Texas-based crop and agribusiness insurance agency serving U.S. farm and ranch operations through a network of 100+ agencies and 150+ agents across 17 states, distributing USDA RMA Federal crop insurance products and private agribusiness coverages as a key general agency.

Ownership category

akta.pro rank

Headquarters

HQ city

Lubbock

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Crop Insurance Premiums: Windmark acts as a key general agency for approved insurance providers administering FCIC crop insurance programs. Revenue is generated through commissions on insurance policies sold including MPCI products (RP, YP, APH), livestock insurance (LRP, MPP, LGM), and grazing/forage products (PRF, AF).
2. Private Insurance Products: Sale of private crop hail insurance and other non-FCIC products through partnerships with approved policy-writing insurance companies.
3. Agribusiness Insurance Products: Revenue from agribusiness coverage including equipment, livestock, farm liability, irrigation equipment through partnerships with carriers like Hartford, Liberty Mutual, Travelers, Philadelphia Insurance, MARM Irrigation, Diversified, CHUBB, and McNeil & Co.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Windmark Crop Division is a Lubbock, Texas-based crop insurance agency that markets, processes, and underwrites Federal Crop Insurance Corporation (FCIC) and USDA Risk Management Agency (RMA) products, alongside private agribusiness coverages. Operating as a key general agency, the company distributes Multiple Peril Crop Insurance (MPCI), Crop Hail, Rainfall Index (PRF/AF), Whole Farm Revenue Protection, livestock (LRP/LGM/DRP), nursery, and apiculture policies through 100+ affiliated agencies and 150+ agents across 17+ states.

Product overview

Windmark Crop Division is a Texas-based crop and agribusiness insurance agency offering a comprehensive portfolio of insurance products. The core offerings include Multiple Peril Crop Insurance (MPCI) with sub-products like Revenue Protection, Yield Protection, and Area Risk Protection; Crop Hail Insurance; Rainfall Index Policies (PRF and Annual Forage); Whole Farm Revenue Protection; and Livestock Policies (LRP, LGM, and Dairy Revenue Protection). Additional specialized coverage includes Nursery Insurance and Apiculture Insurance. The company also provides agribusiness insurance products through partnerships with major carriers including The Hartford, Liberty Mutual, Travelers, Philadelphia Insurance, MARM, Diversified, CHUBB, and McNeil & Co., covering farm property, livestock, irrigation equipment, and specialty operations like wineries and hunting lodges.

Differentiator

Problem solved

Functional benefit

Products and services

• Multiple Peril Crop Insurance (MPCI)

Named customers4 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

13 partnerships are on record, tiered core and minor.

• USDA Risk Management Agency (RMA)coreStrategic or Co-development PartnerWindmark serves as primary key general agency for approved insurance providers administering the crop insurance program for the Federal Crop Insurance Corporation (FCIC) and USDA Risk Management Agency. Supports affiliated and direct agent force in sales of FCIC Multi-Peril Crop Insurance (MPCI) products including RP, YP, APH, livestock products (LRP, MPP, LGM), and grazing/forage products (PRF, AF).
• Hartford LivestockcoreChannel Partner/ Reseller/ DistributorHartford Livestock provides comprehensive livestock insurance packages accommodating multiple exposures including dairy and feedlot operations. Coverage includes named peril for pasture policies with ability to insure high-valued cattle, livestock born endorsement, and competitive mortality rates.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorLiberty Mutual provides farm and crop insurance with extended dwelling replacement cost of 125%, chemical drift liability of $250k, 1% W/H deductibles, and competitive rates on heavy machinery. Offers coverage for small hobby farms and hobby operations.
• TravelerscoreChannel Partner/ Reseller/ DistributorTravelers provides crop and livestock coverage with replacement cost on dwelling up to 125%, automatic $250k coverage for newly constructed farm structures for 60 days, Equine Property Endorsement, and one of few markets to consider hemp operations.
• Philadelphia InsurancecoreChannel Partner/ Reseller/ DistributorPhiladelphia Insurance offers commercial agribusiness policy for wineries, wholesale nurseries, feedlots, feed stores, grain warehouses. Provides umbrella liability limits up to $10 million with multiple endorsements and Elite Property Enhancement endorsement included.
• MARM IrrigationminorChannel Partner/ Reseller/ DistributorMARM Irrigation provides coverage for ancillary irrigation equipment including motors, generators. Offers waiver of deductible up to $5k for total loss to insured pivot, special perils coverage including flood, collapse, collision, theft, earthquake, mechanical/electrical failure with no age restrictions.
• Diversified AgrisuranceminorChannel Partner/ Reseller/ DistributorDiversified Agrisurance provides irrigation equipment coverage for ancillary equipment including motors and generators. Only irrigation company to offer coverage on sub pumps with coverage for most external perils.
• CHUBBminorChannel Partner/ Reseller/ DistributorCHUBB provides agricultural irrigation equipment insurance through Windmark distribution.
• McNeil & Co. ADVENSUREminorChannel Partner/ Reseller/ DistributorMcNeil and Co. ADVENSURE offers specially designed coverage for hunting lodges, outfitters/guides, and dude ranches. Fills specialty void for ranches whose hunting receipts disqualify them from agriculture policies with general liability coverage for lease owners.
• RMA (Risk Management Agency)coreStrategic or Co-development PartnerReference to RMA tools and resources for customers including PRISM Weather Portal, RMA Map Viewer, Actuarial Information Browser, RMA Price Discovery, and RMA Cost Estimator.
• American Association of Crop Insurers (AACI)minorOthersIndustry association for crop insurers providing industry advocacy and support.
• Crop Insurance Professionals Association (CIPA)minorOthersProfessional association for crop insurance professionals.
• National Crop Insurance ServicesminorOthersIndustry organization providing crop insurance services and support.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ProAg Insurance: A crop insurance provider and AIP offering multi-peril crop, livestock, and crop hail products. Comparable to Windmark through its AIP/key agency distribution model and product breadth.
• ARMtech Insurance Services: A specialty crop insurance carrier and AIP focused on multi-peril, livestock, and crop hail coverage. Comparable to Windmark in administering federal programs and serving regional producers.
• NAU Country Insurance Company: One of the largest U.S. crop insurance providers and a major approved insurance provider (AIP) under the FCIC/RMA program. Directly comparable to Windmark's federal multi-peril and livestock product distribution across multiple states.
• Rain and Hail LLC: A leading crop insurance company and AIP administering FCIC MPCI and crop hail products nationwide. Highly comparable as a direct competitor in federal crop insurance distribution and underwriting support.
• Hudson Crop Insurance: A nationwide crop insurance agency and AIP offering FCIC products and private crop hail coverage. Directly comparable to Windmark's agency-led federal crop insurance distribution.
• Rural Community Insurance Services: An approved insurance provider under the FCIC program offering MPCI, livestock, and specialty crop insurance. Directly comparable to Windmark's federal crop insurance administration model.

Broad incumbents

• Farm Bureau Financial Group: A multi-line insurance and financial services provider with a strong crop and farm insurance franchise. Comparable to Windmark through its agribusiness insurance offerings and rural distribution.
• Great American Insurance Company - Crop Division: A large national insurer with a dedicated crop insurance division offering MPCI, crop hail, and agribusiness coverage. Comparable as a broader portfolio incumbent in the same crop insurance market.
• COUNTRY Financial: A Midwest-rooted multi-line insurer offering crop, farm, and agribusiness coverage. Highly comparable to Windmark in serving grain and livestock producers across multiple states.

Regional players

• Heartland Crop Insurance: A regional crop insurance agency offering MPCI, crop hail, and livestock products primarily in the Midwest. Comparable to Windmark at a smaller geographic scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/cfulton4570
• Facebookfacebook.com/Windmarkcropdivision
• LinkedInlinkedin.com/company/windmark-insurance-agency-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Windmark Crop Division