Bird Island-Hawk Creek Mutual Insurance Company
Bird Island-Hawk Creek Mutual Insurance Company is a Minnesota-based, policyholder-owned mutual insurer founded in 1892, providing property and liability coverage for farms and homes through independent agents statewide.
- Company typePrivate
- Founded1892
- HeadquartersBird Island, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Bird Island-Hawk Creek Mutual Insurance Company does
Bird Island-Hawk Creek Mutual Insurance Company is a policyholder-owned mutual insurance carrier founded in 1892 and headquartered in Bird Island, Minnesota. The company writes property and liability insurance for farms and homes, with a six-product core portfolio: homeowners, mobile homeowners, farmowners, farm liability, personal liability, and inland marine coverage. Its primary customer segments are Minnesota farm operators and residential property owners, served through a statewide network of independent insurance agents rather than via direct-to-consumer channels.
Revenue is generated through recurring insurance premiums on annual and renewal policies across home, mobile home, farm, and farm liability lines, with policy quotes and underwriting risk assessment conducted by independent agents. The operating stack is modest: an Invoice Cloud payment-processing integration for premium collection, an IMT Apps agent portal for policy servicing, Google Analytics for web tracking, and a website developed by Vivid Image. Underwriting, claims, and field services functions are handled in-house at the Bird Island headquarters by a staff of 11-50 employees.
The company is governed by a board of directors composed entirely of policyholders who live and work in the communities served. Effective March 1, 2024, the company converted from a regional county mutual to a statewide mutual chartered under Minnesota Statute 66A, materially expanding its addressable market from a 20-county central Minnesota footprint to the entire state. There is no disclosed revenue, no institutional or private-equity ownership, and no AI/ML capability referenced in the source material.
Bird Island-Hawk Creek Mutual Insurance Company firmographics
Firmographics- Name
- Bird Island-Hawk Creek Mutual Insurance Company
- Legal name
- Bird Island-Hawk Creek Mutual Insurance Company
- Website
- https://bihcm.com
- Company type
- Private
- Founded year
- 1892
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Bird Island-Hawk Creek Mutual Insurance Company is a Minnesota-based, policyholder-owned mutual insurer founded in 1892, providing property and liability coverage for farms and homes through independent agents statewide.
- Ownership category
- akta.pro rank
Bird Island-Hawk Creek Mutual Insurance Company industry classification
Industry- Product category
- Property and Casualty Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers (5241)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Homeowners Insurance (FSAJACAA)
- akta.pro secondary industry
- Crop & Farm Property Insurance (FSAJACAK)
Keywords
Where Bird Island-Hawk Creek Mutual Insurance Company is headquartered
LocationHeadquarters
- HQ city
- Bird Island
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Bird Island-Hawk Creek Mutual Insurance Company business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Others, Technology or R&D, Marketing or Sales
Revenue model
- Insurance Premiums: Collects recurring insurance premiums from policyholders for property, liability, and inland marine coverage. Revenue is generated through policy renewals and new policy acquisition across home, mobile home, farm, and farm liability segments.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Bird Island-Hawk Creek Mutual Insurance Company product offering
Product offeringCore offering
Bird Island-Hawk Creek Mutual Insurance Company provides property and liability insurance coverage for farms and homes in Minnesota. Its portfolio includes six core insurance products: Homeowners Insurance, Mobile Homeowners Insurance, Farmowners Insurance, Farm Liability Insurance, Personal Liability Insurance, and Inland Marine Insurance. All products are distributed exclusively through independent insurance agents across the state.
Product overview
Bird Island-Hawk Creek Mutual Insurance Company offers a portfolio of property and liability insurance products for farms and homes in Minnesota. The company's product lineup consists of six core insurance products: Homeowners Insurance and Mobile Homeowners Insurance (property coverage for residential properties), Farmowners Insurance and Farm Liability Insurance (comprehensive coverage for agricultural operations), Personal Liability Insurance (individual liability protection), and Inland Marine Insurance (coverage for movable property and equipment). All products are distributed through independent agents across the state, with the company operating as a policyholder-owned mutual insurance company.
Differentiator
Problem solved
Functional benefit
Products and services
- Homeowners Insurance
- Mobile Homeowners Insurance
- Farmowners Insurance
- Farm Liability Insurance
- Personal Liability Insurance
- Inland Marine Insurance
Companies that use Bird Island-Hawk Creek Mutual Insurance Company
Customer profileSegments3 records
Ideal customer profiles2 records
Bird Island-Hawk Creek Mutual Insurance Company technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Bird Island-Hawk Creek Mutual Insurance Company partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core, supporting and minor.
- Independent Insurance AgentscorePartnership with independent agents across Minnesota who share company values and dedication to personalized service. Agents help policyholders find appropriate coverage for homes, farms, and livelihoods. Agent login portal provided through IMT Apps at users.imtapps.com.
- Invoice CloudsupportingThird-party payment processing service used for accepting and processing customer payments. Policyholders can make payments through the Invoice Cloud portal at invoicecloud.com.
- NAMIC (National Association of Mutual Insurance Companies)minorIndustry association membership providing resources and industry information. Listed on products page as a useful link for customers.
- MAFMIC (Minnesota Association of Farm Mutual Insurance Companies)minorState-level industry association for farm mutual insurance companies in Minnesota. Listed on products page as a useful link for customers.
- Vivid ImageminorWebsite development company credited for developing the company website (bihcm.com). Listed in website footer.
Scale indicators2 records
Recent moves5 records
Expansion highlights3 records
Bird Island-Hawk Creek Mutual Insurance Company competitors and assessment
Company assessmentBroad incumbents
- Auto-Owners Insurance: Large Michigan-based mutual writing personal, commercial, and life insurance in 26 states including Minnesota. Competes in homeowners and farm segments but at a substantially larger scale with auto bundling.
- Farm Bureau Financial Group: Multi-state farm and rural insurer affiliated with state Farm Bureaus across the Midwest including Minnesota. Competes head-on in farm property but offers auto, life, and financial services as well.
- Federated Mutual Insurance Company: Minnesota-based mutual insurer with broader commercial and personal lines across the Upper Midwest. Comparable mutual structure and Minnesota roots, but a much larger and more diversified portfolio.
- COUNTRY Financial: Large Midwestern mutual offering farm, home, auto, and life insurance through captive agents. Overlaps directly in farm and home segments but offers broader lines and direct agent model across more states.
Direct peers
- Badger Mutual Insurance Company: Wisconsin-based farm mutual offering homeowners, farmowners, and personal property coverage. Comparable regional mutual with adjacent Upper Midwest territory and similar product-line focus.
- Western National Mutual Insurance Company: Minnesota-headquartered regional mutual writing personal and commercial property coverage in the Upper Midwest. Comparable product mix and agent-driven distribution model in the same geographic footprint.
- North Star Mutual Insurance Company: Minnesota-based regional mutual insurer offering farm, home, and commercial coverage through independent agents. Closest direct comparison — same state, same mutual structure, same farm-and-home product focus.
- Grinnell Mutual: Iowa-based farm mutual providing personal, farm, and commercial property coverage through a regional agent network in the Midwest. Similar mutual structure, farm/home specialization, and independent agent distribution.
Others
- MAFMIC (Minnesota Association of Farm Mutual Insurance Companies): State-level industry association for farm mutuals in Minnesota; provides reinsurance pooling and shared services to member companies like Bird Island-Hawk Creek. Industry context rather than a competitor.
Regional players
- Westfield Insurance: Ohio-based mutual writing personal and commercial property in the Midwest and East. Similar mid-sized regional carrier with farm and home offerings but operating in a different primary geography.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Bird Island-Hawk Creek Mutual Insurance Company financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bird Island-Hawk Creek Mutual Insurance Company leadership team
Management profileNumber of profiles
Profiles16 records
Bird Island-Hawk Creek Mutual Insurance Company funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bird Island-Hawk Creek Mutual Insurance Company M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bird Island-Hawk Creek Mutual Insurance Company
What does Bird Island-Hawk Creek Mutual Insurance Company do?
Bird Island-Hawk Creek Mutual Insurance Company provides property and liability insurance coverage for farms and homes in Minnesota. Its portfolio includes six core insurance products: Homeowners Insurance, Mobile Homeowners Insurance, Farmowners Insurance, Farm Liability Insurance, Personal Liability Insurance, and Inland Marine Insurance. All products are distributed exclusively through independent insurance agents across the state.
Is Bird Island-Hawk Creek Mutual Insurance Company a public or private company?
Bird Island-Hawk Creek Mutual Insurance Company is a private company. It is classified as management employee owned and is currently operating.
When was Bird Island-Hawk Creek Mutual Insurance Company founded?
Bird Island-Hawk Creek Mutual Insurance Company was founded in 1892. It employs 11 to 50 people.
Where is Bird Island-Hawk Creek Mutual Insurance Company based?
Bird Island-Hawk Creek Mutual Insurance Company is headquartered in Bird Island, United States, in the North America region.
How does Bird Island-Hawk Creek Mutual Insurance Company make money?
One revenue line is on record: insurance Premiums.
Who are Bird Island-Hawk Creek Mutual Insurance Company's main competitors?
Broad incumbents on record are Auto-Owners Insurance, Farm Bureau Financial Group, Federated Mutual Insurance Company and COUNTRY Financial. Direct peers are Badger Mutual Insurance Company, Western National Mutual Insurance Company, North Star Mutual Insurance Company and Grinnell Mutual. MAFMIC (Minnesota Association of Farm Mutual Insurance Companies) is listed as an others. Westfield Insurance is listed as a regional player.
Does Bird Island-Hawk Creek Mutual Insurance Company have an API?
No public API is recorded for Bird Island-Hawk Creek Mutual Insurance Company.
What industry is Bird Island-Hawk Creek Mutual Insurance Company in?
Bird Island-Hawk Creek Mutual Insurance Company's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAJACAA, Homeowners Insurance, with a secondary code of FSAJACAK, Crop & Farm Property Insurance. Its NAICS code is 524126 and its SIC code is 6331.