Fillman Insurance

What Fillman Insurance does

Fillman Insurance Agency is an independent insurance agency founded by Henry Fillman on April 1, 1922, in York, Nebraska. The agency remained in the Fillman family for 100 years before being acquired by Kroeker and Kroeker Insurance of Henderson, Nebraska, in 2023. Today it operates from two offices — 224 W. 6th Street in York and 1041 N. Main Street in Henderson — serving individuals, families, farms, and small businesses across rural Nebraska. There is no proprietary technology platform, mobile application, API, or AI/ML capability disclosed in the source data; the agency is positioned as a traditional, relationship-driven local insurance office.

As an independent agent, Fillman represents eight insurance carriers (Farmers Mutual, Nationwide, RCIS, UFG Insurance, Progressive, Farmers Alliance, Chubb, and Rain and Hail) and earns revenue via commissions on new policy placements and renewal premiums. Its product portfolio covers home, auto, farm, business, crop, and life insurance, allowing the agency to bundle across personal, commercial, and specialty agricultural lines within a single rural footprint. The agency is staffed by a small team of identified personnel — Carl Jacobsen (Agent, York), Dianna Groenke (CSR, York), and three Henderson-based partners (Greg Bergen, Steve Stebbing, Kelby Ostrander) — and reaches customers primarily through in-person office consultations, phone, email, and a Facebook page.

Go-to-market is direct-to-consumer and direct-to-local-SMB via in-person comparison-based selling across the carrier panel. Pricing is quote-based and not publicly disclosed; no headcount, premium volume, commission yield, or financial figures are reported. The agency is privately held, operates only within the United States, and shows no evidence of funding activity, equity investment, or public-market presence.

Name

Fillman Insurance

Legal name

Fillman Insurance Agency

Website

https://fillmaninsurance.com

Company type

Private

Founded year

1922

Operating status

Operating

Headcount range

1–10 employees

Short description

Fillman Insurance Agency is an independent, Nebraska-based insurance agency founded in 1922 that sells home, auto, farm, business, crop, and life insurance through eight carrier partnerships to individuals, families, and businesses in York and surrounding rural communities.

Ownership category

akta.pro rank

Product category

Multi-line Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Renters Insurance (FSAJACAB)

akta.pro secondary industry

Basic Group Term Life (Employer-Paid) (FSAIADAA)

Keywords

• Independent insurance agency
• Commercial property insurance
• Farm insurance coverage
• Auto insurance policies
• Crop insurance programs

Headquarters

HQ city

York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Agency Commissions: Fillman Insurance generates revenue by earning commissions from insurance carriers when they place policies with customers. As an independent agent representing multiple insurance companies (Farmers Mutual, Nationwide, RCIS, UFG, Progressive, Farmers Alliance, Chubb, Rain and Hail), they receive commission payments on new policy placements and renewal premiums. This is a standard insurance agency revenue model.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Fillman Insurance is an independent insurance agency that places personal and commercial insurance policies on behalf of customers through multiple carrier partners. The agency sells Home, Auto, Farm, Business, Crop, and Life Insurance by matching customers with the optimal carrier (among Farmers Mutual, Nationwide, RCIS, UFG, Progressive, Farmers Alliance, Chubb, and Rain and Hail) and recommending appropriate coverage limits. The agency earns commissions from carriers on policy placements and renewals.

Product overview

Fillman Insurance is an independent insurance agency offering a portfolio of core insurance products including Home, Auto, Farm, Business, Crop, and Life Insurance. As an independent agent representing multiple insurance carriers (Farmers Mutual, Nationwide, RCIS, UFG Insurance, Progressive, Farmers Alliance, Chubb, and Rain and Hail), the agency provides personalized coverage recommendations by matching customers with the optimal carrier and policy limits to meet their specific needs rather than offering a single proprietary product.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance Homeowner and renter insurance policies providing coverage for property damage, loss of personal belongings, and liability protection. Targeted at York, NE area residents seeking affordable property coverage to protect against fire, tornado, and other perils.
• Auto Insurance Vehicle insurance coverage including liability, collision, comprehensive, Emergency Road Service, and Car Rental Expense options. Designed for personal automobile owners in the York, NE area needing coverage reviews and policy updates.
• Farm Insurance Specialized insurance coverage for agricultural operations including farms, ranches, and related property. Targeted at agricultural operators in Nebraska needing coverage for equipment, livestock, and crops, sourced from farm-specialist carriers including Farmers Mutual, Farmers Alliance, RCIS, and Chubb (including replacement cost coverage on irrigation pivots regardless of age).
• Business Insurance Commercial insurance products designed to protect businesses from financial losses due to property damage, liability claims, and business interruption. Targeted at local businesses in York, NE and surrounding communities needing customized commercial programs through carrier partners such as UFG Insurance and Chubb.
• Crop Insurance Insurance coverage specifically designed for agricultural producers to protect against crop loss due to weather, disease, or other covered perils. Sourced from specialized crop insurers including RCIS and Rain and Hail (now part of Chubb).
• Life Insurance Life insurance policies providing financial protection for families and individuals. Targeted at families and individuals, including young families just getting started, seeking affordable life insurance coverage.

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered flagship, core and minor.

• Kroeker and Kroeker InsuranceflagshipStrategic or Co-development Partner · 1 January 2023Kroeker and Kroeker Insurance out of Henderson, Nebraska purchased Fillman Insurance in 2023, ending 100 years of Fillman family ownership. The agency now operates under the Kroeker and Kroeker Insurance parent company while maintaining the Fillman Insurance brand serving York and surrounding communities.
• Farmers MutualcoreChannel Partner/ Reseller/ DistributorFarmers Mutual is a Nebraska-based insurer that has been providing insurance coverage since 1891. They are the leading Nebraska-based insurer of homes, farms, and automobiles. Fillman Insurance partners with Farmers Mutual to offer property and auto insurance to customers in York and surrounding communities.
• NationwidecoreChannel Partner/ Reseller/ DistributorNationwide is one of the largest insurance and financial services companies in the world with more than $158 billion in statutory assets. As a Fortune 100 company, they offer a full range of insurance and financial services. Fillman Insurance offers Nationwide products alongside their other carrier partnerships.
• RCIS (Rural Community Insurance Services)coreChannel Partner/ Reseller/ DistributorRural Community Insurance Services offers an extensive line of coverage for today's agricultural producers. They are dedicated to the agriculture industry, providing comprehensive insurance services, instant access to information, and innovative tools. Fillman Insurance partners with RCIS to serve their farming customers.
• UFG Insurance (United Fire Group)coreChannel Partner/ Reseller/ DistributorUnited Fire Group offers a full line of commercial insurance products to help protect businesses. Fillman Insurance partners with UFG to provide commercial insurance solutions to their business customers in York and surrounding areas.
• ProgressiveminorChannel Partner/ Reseller/ DistributorProgressive Direct is known for fast, fair, and better service for cost-conscious auto insurance customers. Fillman Insurance offers Progressive auto insurance as one of their carrier options.
• Farmers AlliancecoreChannel Partner/ Reseller/ DistributorFarmers Alliance began in 1888 and writes more than $250 million of premium across an eight-state region. More than 60% of their business is in farm insurance. Fillman Insurance partners with Farmers Alliance to provide specialized farm insurance coverage.
• ChubbcoreChannel Partner/ Reseller/ DistributorChubb is the world's largest publicly traded P&C insurance company and the leading commercial lines insurer in the U.S. With operations in 54 countries and territories and more than $200 billion in assets. Fillman Insurance offers Chubb commercial and specialty insurance products, including replacement cost coverage on pivots regardless of age.
• Rain and HailcoreChannel Partner/ Reseller/ DistributorRain and Hail began in 1919 as a leader in developing sound crop insurance programs and established equitable adjusting and rating procedures. Now part of Chubb, they offer specialized crop insurance coverage. Fillman Insurance partners with Rain and Hail to serve their agricultural customers.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• HUB International: Large North American insurance brokerage with significant presence in the Midwest and rural markets. Competes for the same independent agency customers and acquisition targets as Fillman, but at vastly greater scale and with broader specialty offerings.
• Arthur J. Gallagher & Co. Global insurance brokerage with strong U.S. middle-market and agribusiness practices. Overlaps with Fillman on commercial lines and farm risk placement, though its scale and breadth dwarf a local independent agency.
• Allstate: Major U.S. P&C insurer with a captive agent footprint in the Midwest. Directly competes with Fillman for personal lines customers, though it cannot offer the multi-carrier comparison Fillman provides.
• Progressive: Top U.S. auto insurer and a Fillman carrier partner. Represents the direct-to-consumer competitive threat, having built a national brand that competes with local agencies for cost-conscious auto buyers.
• Nationwide: Fortune 100 insurer ($158B+ in statutory assets) and a Fillman carrier partner. Competitively comparable as a major carrier distributing through independent and exclusive agents, though it operates at vastly larger scale than Fillman.
• Brown & Brown, Inc. Large diversified insurance broker with extensive retail agency operations across the U.S. Comparable as an aggregator of independent agencies, but operates at national scale with significantly broader product and customer scope.
• State Farm: Largest U.S. personal lines insurer operating a captive agent model. Competes with Fillman for the same homeowners, auto, and life insurance customers in York, NE, but is exclusive to a single carrier.

Emerging players

• Assurex Global: A network of privately held independent insurance agencies and brokers that share expertise, carrier access, and resources. Comparable to Fillman in operating model and would be a relevant partner/consolidator for agencies seeking scale.

Direct peers

• Leavitt Group: A national network of independent insurance agencies operating across multiple U.S. states with similar multi-carrier agency model, including agribusiness expertise. Highly comparable as a regional independent agency consolidator.
• Kroeker and Kroeker Insurance & Real Estate: The Henderson, NE-based parent company that acquired Fillman in 2023. Operates the same independent-agency model with similar carrier relationships across rural Nebraska, making it the closest operational peer.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

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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 Fillman Insurance