What Edgewater Insurance does

Edgewater Insurance, LLC is a privately held independent insurance agency founded circa 1960 and headquartered in Nebraska, operating 15 physical office locations across Nebraska and Kansas. The firm delivers individually tailored personal, commercial, farm, crop, and specialty insurance policies through a network of local agents who represent multiple carriers rather than acting as a single-insurer captive agent. Key carrier partnerships include Farmers Mutual of Nebraska (where Edgewater is a Top 10 writer of farm coverage), Rain and Hail LLC, and Farmers Mutual Hail. Beyond brokerage, Edgewater runs a parallel Farm Management division overseeing more than 35,000 acres across Nebraska, Iowa, Kansas, and Colorado, offering lease negotiation, grain marketing, sustainability services, and accounting for landowners. A third revenue line consists of farmland real estate listings and live/online land auctions.

The company completed a strategic integration with Ryan Crop Insurance Services in Summer 2023, creating a Blair-based Crop Processing Center that now provides back-office processing (application handling, acreage verification, document filing, claims, and quoting) to 24 third-party agencies and 38 agents. There is no proprietary technology platform, no AI/ML capability, and no consumer-facing app; the entire operating model rests on agent-led consultative sales, carrier relationships, and local physical presence. Revenue is generated through three mechanics: insurance commissions across multi-carrier placements (subscription/recurring in nature), farm management fees (professional services), and real estate transaction fees for farmland sales and auctions. Customer segments span individuals and families, farmers and ranchers, crop producers, business owners, and landowners across the Midwest and Mountain West.

Name

Edgewater Insurance

Legal name

Edgewater Insurance, LLC

Website

https://edgewaterins.biz

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

51–100 employees

Short description

Edgewater Insurance is a privately held independent insurance agency founded in 1960, operating 15 offices across Nebraska and Kansas and delivering personal, commercial, farm, crop, and specialty insurance through local agents representing multiple carriers.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Real Estate Agents & Managers (For Others) (6531), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Crop & Farm Property Insurance (FSAJACAK)

akta.pro secondary industries

Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB), Vegetation & Right-of-Way (ROW) Asset Management (EUAEAMAJ), Habitational / Residential Property Managers BOP (FSAJAFAN)

Keywords

• Independent insurance agency
• Farm crop insurance
• Farmland management services
• Commercial property coverage
• Personal auto insurance

Headquarters

HQ city

Grand Island

HQ country

United States

HQ region

North America

Offices16 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: Edgewater operates as an independent insurance agency earning commissions from multiple insurance carriers for placing policy coverage. They work with a wide variety of carriers and have established relationships with key partners including Farmers Mutual of Nebraska and Rain and Hail LLC.
2. Farm Management Services: Provides land management, leasing, grain marketing, and accounting services for landowners across 35,000 acres in Nebraska, Iowa, Kansas, and Colorado. Revenue is generated through management fees and services associated with farmland stewardship.
3. Real Estate Services: Facilitates farmland sales and auctions, earning fees associated with property transactions. Currently has multiple farmland listings across Nebraska counties.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Edgewater Insurance is an independent insurance agency that delivers individually tailored insurance policies and plans to individuals, groups, farmers, and business owners across Nebraska and Kansas through 15 office locations. The company also operates a Land Management division that manages over 35,000 acres of farmland across Nebraska, Iowa, Kansas, and Colorado, providing leasing, grain marketing, accounting, and sustainability services, plus a real estate arm that handles farmland listings and auctions.

Product overview

Edgewater Insurance is an independent insurance agency offering a comprehensive portfolio of insurance and farm management services across Nebraska, Kansas, and Colorado through 15 locations. The company operates two primary divisions: Insurance Services and Farm/Real Estate Services. Insurance offerings include Personal Insurance (home, auto, health, life), Commercial Insurance (business liability, auto, marine, industry-specific coverages), Farm & Crop Insurance (farm owners, livestock, equine, equipment, structures), and Other Services (recreational vehicles, special events). Farm Management Services manage over 35,000 acres across four states with offerings spanning farmland management, lease negotiation, grain marketing, and sustainability services. Real Estate Services include farmland listings and land auction services. The product architecture follows a multi-line insurance model where personal, commercial, and farm insurance serve as core product categories, with each containing specialized sub-products and add-on modules (umbrella policies, identity theft, accident forgiveness) that can be combined for comprehensive coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Comprehensive personal insurance coverage for individuals and families including home, auto, life, health, and specialty lines such as dental, vision, long-term care, identity theft, and personal umbrella, with bundled home-and-auto discount options.
• Commercial Insurance Business insurance solutions including commercial property, general liability, commercial auto, workers' compensation, group benefits, marine, loss control, and industry-specific coverage for consulting firms, contractors, breweries, and educational facilities.
• Farm Insurance Agricultural insurance for farms and ranches covering farm owners, livestock, equine, farm equipment, dwellings, structures, farm auto, and farm umbrella liability.
• Crop Insurance Comprehensive crop insurance including Multi-Peril Crop Coverage (MPCI), Enhanced Coverage Option (ECO), Supplemental Coverage Option (SCO), crop hail, wind, Pasture/Rangeland/Forage (PRF), Livestock Risk Protection (LRP), Margin Protection, Field Grain Fire, and Whole Farm Revenue Protection.
• Recreational and Specialty Insurance Specialty insurance coverage for recreational vehicles (snowmobiles, ATVs, motorhomes, boats, motorcycles) and special events such as weddings, anniversaries, birthday celebrations, and graduation parties.
• Farmland Real Estate Services Farmland real estate listings, sales, and land auction services across Nebraska, Iowa, Kansas, and Colorado, including complementary market analyses for landowners considering selling.
• Land Management Services Professional farmland management covering over 35,000 acres across Nebraska, Iowa, Kansas, and Colorado, including regular farm visits, program development, lease negotiation (crop share, cash rent, hunting), grain marketing, accounting, crop planning, sustainability oversight, and insurance management for landowners.
• Crop Processing Center Centralized crop insurance processing service that handles application processing, acreage verification, document filing, crop hail processing, claim filing, and quoting for 24 agencies and 38 agents.

Quantifiable outcome

• Over 60 years of continuous operation serving communities in Nebraska and Kansas
• +3 more outcomes

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

Five partnerships are on record, tiered core and secondary.

• Ryan Crop Insurance Services, Inc.coreStrategic or Co-development Partner · 1 January 2023In Summer 2023, Edgewater Insurance united forces with Ryan Crop Insurance Services, Inc. of Blair, Nebraska. This partnership expanded Edgewater's crop insurance capabilities and established their Crop Processing Center, which now serves 24 agencies and 38 agents with comprehensive crop insurance processing services.
• Farmers Mutual of NebraskacoreChannel Partner/ Reseller/ DistributorEdgewater Insurance works with Farmers Mutual of Nebraska, the #1 carrier for farm insurance in Nebraska. They have established a strong relationship with adjusters and have become a top 10 writer of farm coverage with Farmers Mutual of Nebraska.
• Rain and Hail LLCcoreChannel Partner/ Reseller/ DistributorEdgewater Insurance has established a long-standing partnership with Rain and Hail LLC, who have an excellent reputation and have been able to provide clients with financial security when unexpected events like hail damage or other natural disasters occur. Edgewater also processes Rain and Hail Field Grain Fire, WFRP, and other crop hail products.
• Rain and Hail LLCcoreChannel Partner/ Reseller/ DistributorIn addition to crop insurance, Edgewater works with Rain and Hail LLC for farm equipment coverage solutions. They partner closely with top agribusiness carriers including Farmers Mutual of Nebraska and Rain & Hail LLC.
• Farmers Mutual HailsecondaryChannel Partner/ Reseller/ DistributorEdgewater offers Farmers Mutual Hail Crop Fire and Margin Protection products as part of their comprehensive crop insurance portfolio.

Scale indicators6 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Peoples Company: Peoples Company is a Midwest farmland real estate brokerage and farm management firm offering land auctions, brokerage, and management services across the Corn Belt. Its farmland management + real estate dual model is closely comparable to Edgewater's land management and real estate division.
• Grinnell Mutual: Grinnell Mutual is a Midwest-domiciled mutual insurance carrier distributing property, casualty, farm, and auto coverage through independent agents across the central U.S. It competes for the same agent relationships and farm/auto customers as Edgewater.
• NAU Country Insurance: NAU Country is one of the largest crop insurance providers in the United States, offering MPCI, hail, and specialty crop products through agent networks. Its crop insurance focus parallels Edgewater's crop insurance division and Crop Processing Center capabilities.
• Shelter Insurance: Shelter Insurance is a regional mutual insurer based in Missouri that distributes personal, commercial, and farm coverage through its own agent network across the central U.S. Its regional agency model and Plains/Midwest footprint are directly comparable to Edgewater's independent agency network.
• Hertz Farm Management: Hertz Farm Management is one of the largest professional farm management and real estate firms in the Midwest, managing hundreds of thousands of acres across multiple states. It directly parallels Edgewater's 35,000-acre farm management and farmland real estate business.
• COUNTRY Financial: COUNTRY Financial is a Midwest regional insurance and financial services group offering farm, auto, home, life, and commercial coverage through captive agents across the Plains and Midwest. Its structure and ag-heavy product mix directly mirror Edgewater's independent agency model.
• ProAg: ProAg is a national crop insurance underwriter and service provider working through independent agents across the U.S. Its crop insurance agent-services model directly overlaps with Edgewater's Crop Processing Center and Ryan Crop Insurance integration.
• Farm Bureau Financial Services: Farm Bureau Financial Services is a Midwest-focused multi-line insurer that distributes through Farm Bureau agents, with deep specialization in farm and ranch coverage. It is the most direct comparable for Edgewater's farm, crop, and personal lines agency model in Nebraska and Kansas.
• Capital Agricultural Property Services (CAPS): CAPS is a large institutional farm management and agricultural real estate firm providing farmland management, acquisitions, and consulting. Its professional farm management focus makes it a direct peer to Edgewater's land management division.

Emerging players

• Heartland Crop Insurance: Heartland Crop Insurance is a smaller regional crop insurance agency operating in the Plains states with similar MPCI and crop hail offerings. It competes with Edgewater for crop insurance customers in overlapping geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/edgewater-insurance-farm-management

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries1 record

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 Edgewater Insurance