Gramann Insurance Agency

What Gramann Insurance Agency does

Gramann Insurance Agency is a family-owned independent insurance agency headquartered at 649 Main Street in Adams, Nebraska, operating continuously since 1918. The agency serves personal, commercial, and agricultural customers in Southeast Nebraska and, through its licensed producers, in Iowa, Kansas, and Missouri. It is among a small number of agencies nationwide holding Nationwide's On Your Side Farm Certified designation, positioning farm and crop insurance as a core competency alongside standard personal and commercial lines.

The agency represents multiple carriers rather than acting as a captive agent: Nationwide and Rain & Hail serve as core farm and crop partners, while Progressive, Encompass, Foremost, Hagerty, National General, and Condon Skelly provide breadth across personal auto, collector vehicles, non-standard auto, and niche personal lines. Product offerings span home, auto, life, farm, crop, commercial, and specialty coverages, allowing multi-line bundling for household and small-business accounts. New business and customer service are supported through a Zywave-powered website that enables online quoting and lead capture.

Economically, the agency operates on a commission-based revenue model paid by its carrier partners, with revenue tied directly to premium placed and policy retention. There are no disclosed funding events, acquisitions, or external investors; ownership remains within the founding family. The business model is fundamentally relationship-driven, with local presence, multi-generational continuity, and credentialed farm expertise serving as the primary competitive differentiators in a small rural market.

Name

Gramann Insurance Agency

Legal name

Gramann Insurance Agency

Website

https://gramanninsurance.com

Company type

Private

Founded year

1918

Operating status

Operating

Headcount range

51–100 employees

Short description

Gramann Insurance Agency is a family-owned independent insurance agency in Adams, Nebraska, founded in 1918, serving personal, commercial, and farm customers across Nebraska, Iowa, Kansas, and Missouri through multiple carrier partnerships including Nationwide.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Crop & Farm Property Insurance (FSAJACAK)

Keywords

• Independent insurance agency
• Farm insurance
• Crop insurance
• Commercial insurance
• Personal insurance

Headquarters

HQ city

Adams

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency, Gramann Insurance Agency generates revenue through commissions paid by insurance carriers (Condon Skelly, Encompass, Foremost, Hagerty, National General, Nationwide, Progressive, Rain & Hail) for policies sold and renewed. Revenue is earned on new policy acquisition and ongoing renewals of existing client policies.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Gramann Insurance Agency is an independent insurance agency that places personal, commercial, and farm insurance policies on behalf of clients through multiple insurance carriers. It offers auto, home, life, motorcycle, recreational vehicle, watercraft, and renters insurance for individuals, alongside business owners policy, commercial auto, commercial property, general liability, workers' compensation, and commercial umbrella coverage for businesses, plus specialized farm, crop, and livestock risk protection for agricultural producers.

Product overview

Gramann Insurance Agency operates as an independent insurance agency offering a comprehensive portfolio of insurance products across personal and commercial lines. The core offerings include personal insurance products (Auto, Homeowners, Life, Motorcycle, Recreational Vehicle, and Watercraft/Boat coverage) and commercial insurance products (Business Insurance with multiple sub-products including General Liability, Commercial Property, Commercial Auto, Workers' Compensation, Builders Risk, Business Owners Policy, and Commercial Umbrella). The agency specializes in Farm Insurance with crop and livestock protection, distinguishing itself as one of the few Nationwide On Your Side Farm Certified Agencies in Southeast Nebraska. Products are offered through partnerships with multiple insurance carriers including Nationwide, Progressive, Hagerty, Foremost, National General, Encompass, Rain & Hail, Condon Skelly, providing customers with choice through an independent agency model.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Auto insurance coverage placed through multiple carriers for individuals in Southeast Nebraska, protecting personal vehicles against liability, collision, and related risks.
• Homeowners Insurance Homeowners insurance for individuals and families in Southeast Nebraska, providing property and liability protection for owner-occupied homes.
• Condominium Insurance (HO-6) Condominium unit-owner insurance covering interior unit contents, structural improvements, and liability for condo residents.
• Renters Insurance Renters insurance providing personal property and liability coverage for tenants renting residential property.
• Life Insurance Life insurance coverage placed through partner carriers to provide financial protection for individuals' families and beneficiaries.
• Motorcycle Insurance Motorcycle insurance for individual owners covering liability, collision, and related risks on motorcycles.
• Recreational Vehicle Insurance Insurance coverage for recreational vehicles such as ATVs and similar off-road or leisure vehicles owned by individuals.
• Watercraft & Boat Insurance Insurance for personal watercraft and boats, covering liability and physical damage risks for individual owners.
• Business Insurance Business insurance package offerings for small and mid-sized businesses, bundling coverage across multiple commercial lines through partner carriers.
• Business Owners Policy (BOP) Insurance Business owners policy bundling property and liability insurance for small and mid-sized business owners.
• Commercial Auto Insurance Auto insurance coverage for vehicles owned or used by businesses, including liability and physical damage protection.
• Commercial Property Insurance Property insurance for commercial buildings, contents, and business assets against covered perils.
• Commercial Umbrella Insurance Commercial umbrella liability insurance providing additional liability coverage above underlying commercial policy limits.
• General Liability Insurance General liability insurance for businesses covering third-party bodily injury, property damage, and related claims.
• Workers' Compensation Insurance Workers' compensation insurance providing wage replacement and medical benefits for employees injured on the job.
• Builders Risk Insurance Builders risk insurance covering properties under construction against damage and related risks during the building phase.
• Farm Insurance Specialized farm insurance coverage for agricultural operations, including farm property, liability, equipment, and related risks. The agency holds Nationwide On Your Side Farm certification.
• Crop and Livestock Risk Protection (LRP) Crop and livestock risk protection insurance covering yield and livestock price/mortality risks for agricultural producers.

Named customers6 records

Segments9 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered standard and core.

• Condon SkellystandardChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Gramann Insurance Agency. Condon Skelly provides insurance products that Gramann offers to their customers. Online payment portal available through Condon Skelly.
• EncompassstandardChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Gramann Insurance Agency. Encompass provides insurance products that Gramann offers to their customers. Online bill pay available through Encompass.
• ForemoststandardChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Gramann Insurance Agency. Foremost provides specialty insurance products that Gramann offers to their customers. Online payment portal available through Foremost.
• HagertystandardChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Gramann Insurance Agency. Hagerty specializes in classic car and collector vehicle insurance that Gramann offers to their customers. Online payment and account management available through Hagerty.
• National GeneralstandardChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Gramann Insurance Agency. National General provides auto and other insurance products that Gramann offers to their customers. Online quick pay available through National General.
• NationwidecoreChannel Partner/ Reseller/ DistributorFlagship insurance carrier partner represented by Gramann Insurance Agency. Nationwide provides a wide range of insurance products including auto, home, farm, and business coverage. Gramann is one of the few Nationwide On Your Side Farm Certified Agencies in the area. Online bill pay available through Nationwide.
• ProgressivestandardChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Gramann Insurance Agency. Progressive provides auto and other insurance products that Gramann offers to their customers. Online account access available through Progressive.
• Rain & HailcoreChannel Partner/ Reseller/ DistributorAgricultural insurance carrier partner specializing in crop insurance. Gramann Insurance offers comprehensive crop insurance solutions through Rain and Hail in Nebraska for farmers and agricultural producers. Rain & Hail is a subsidiary of Chubb and specializes in crop and agricultural insurance coverage. Online policy holder payment portal available.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Farm Bureau Financial Group: Farm Bureau Financial Group is a regional insurance and financial services provider with deep specialization in farm and agriculture coverage across the Midwest. Like Gramann, it serves rural farm operators and households with multi-line personal and commercial products through an agency distribution model.
• COUNTRY Financial: COUNTRY Financial is a Midwest-focused insurance and financial services company serving farm, auto, home, and life insurance needs through a network of agent offices. Comparable to Gramann in its rural Midwestern footprint, multi-line product breadth, and farm-owner customer base.
• Auto-Owners Insurance: Auto-Owners Insurance is a Midwest-based mutual insurer distributing personal, commercial, and life coverage exclusively through independent agents. Like Gramann, it competes for personal and small-commercial lines through independent-agent channels in rural and small-town markets.
• Shelter Insurance: Shelter Insurance is a regional mutual insurer selling auto, home, life, and farm coverage through a captive agent force across the central United States, including Nebraska. Like Gramann, it competes for the same household and farm-owner customers in small-town Midwest markets with multi-line personal and farm products.
• Frankenmuth Insurance: Frankenmuth Insurance is a regional super-regional mutual carrier offering personal, commercial, and farm lines exclusively through independent agents across the Midwest. Comparable to Gramann in independent-agency distribution, multi-line product set, and small-town Midwest customer base.
• Erie Insurance: Erie Insurance is a regional P&C insurer selling personal and commercial coverage through a network of independent agents in the Midwest, Mid-Atlantic, and Southeast. Comparable to Gramann in agent-distributed personal/commercial lines and small-market service orientation.
• Westfield Insurance: Westfield Insurance is a Midwest-based super-regional mutual carrier distributing personal, commercial, farm, and surety lines through independent agents. Comparable to Gramann in independent-agency distribution, multi-line Midwest focus, and farm/small-business customer segments.
• Grinnell Mutual: Grinnell Mutual is a Midwest regional mutual insurer specializing in farm, commercial, and personal lines distributed through independent agents. Comparable to Gramann in farm-insurance specialization, Midwest regional focus, and independent-agency distribution model.

Broad incumbents

• State Farm: State Farm is the largest U.S. personal-lines insurer, distributing auto, home, and life coverage through a captive agent force nationwide. Comparable to Gramann as a dominant incumbent competing for the same household personal-lines customers in Adams and surrounding communities.
• Nationwide: Nationwide is a top-five U.S. multi-line carrier and Gramann's flagship carrier partner, offering auto, home, farm, and commercial products. Comparable as a broad incumbent underwriting the farm-certification program (On Your Side Farm Certified) through which Gramann distributes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/GramannInsuranceAgency

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Gramann Insurance Agency