Farm Creek Insurance

What Farm Creek Insurance does

Farm Creek Insurance is an independent insurance agency headquartered in Cambridge, Maryland, operating as a subsidiary of Leavitt Group Enterprises. Founded approximately 40 years ago, the agency represents more than 20 insurance carriers, including AIC, AIG, Acuity, Chubb, and Nationwide, and sells across personal lines (home, condo, auto), commercial lines, agriculture, and employee benefits. It also offers industry-specific coverage and a self-service Client Portal for policyholders. Customer engagement follows a defined four-step consultative process oriented toward individual consumers, small and mid-sized businesses, and agricultural operations across Maryland's Eastern Shore.

The business is commission-based, earning revenue through carrier appointments rather than underwriting risk itself. Its go-to-market is sales-led and relationship-driven, with no disclosed technology stack beyond standard agency tooling and the Client Portal. Carrier diversification and multi-line breadth are the primary structural advantages, allowing the agency to match customer needs across personal, commercial, and agricultural segments without being tied to a single carrier's product set or appetite.

The agency operates within a regional Maryland footprint and has no disclosed expansion into additional geographies, no funding history, and no publicly reported revenue. Subsidiary status under Leavitt Group Enterprises positions it within a larger insurance services platform, which is the most material structural fact for an investor audience: it implies access to parent-level resources, potential roll-up dynamics, and shared services, while limiting the agency's standalone strategic optionality.

Name

Farm Creek Insurance

Legal name

Farm Creek Insurance, LLC

Website

https://farmcreek.insure

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

Farm Creek Insurance is an independent insurance agency in Cambridge, Maryland, operating as a subsidiary of Leavitt Group Enterprises. It represents 20+ carriers and sells personal, commercial, agricultural, and employee benefits coverage to individuals, SMBs, and farms across Maryland's Eastern Shore.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Farm Risk Management & Insurance Advisory (AFACAJAD), Real Estate / Lessors Risk BOP (FSAJAFAI), Crop & Farm Property Insurance (FSAJACAK)

Keywords

• Independent insurance agency
• Home and auto insurance
• Commercial insurance brokerage
• Agriculture insurance services
• Employee benefits insurance

Headquarters

HQ city

Cambridge

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Farm Creek Insurance operates as an independent insurance agency/broker representing multiple insurance carriers. The company earns commissions from the insurance companies (AIC, AIG, Acuity, Chubb, Nationwide, etc.) whose policies they sell and service to customers. Revenue is generated through commissions on new policy sales and renewal commissions on existing policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Farm Creek Insurance is an independent insurance brokerage that sells and services personal and commercial insurance policies on behalf of 20+ national and regional insurance carriers. Core offerings include home & condo, auto, personal, commercial, agriculture, and employee benefits coverage, with consultative sales delivered by licensed risk advisors.

Product overview

Farm Creek Insurance is an independent insurance agency offering a portfolio of insurance products through a network of over 17 insurance carrier partners. The company provides Home & Condo Insurance, Auto Insurance, Commercial Insurance, Agriculture Insurance, Employee Benefits, Personal Insurance, and Industry-specific coverage. The core offering consists of these insurance products distributed via partnerships with carriers including AIC, AIG, Acuity, CHUBB, Nationwide, and others. A supplementary Client Portal provides policy management, claims access, and bill pay capabilities for existing clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Home & Condo Insurance

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

17 partnerships are on record, tiered core.

• AIC (Atlantic Insurance Company)coreChannel Partner/ Reseller/ DistributorAIC is one of the insurance carriers represented by Farm Creek Insurance, providing property and casualty insurance products to customers through the agency's brokerage services.
• AIGcoreChannel Partner/ Reseller/ DistributorAIG is one of the major insurance carriers represented by Farm Creek Insurance, offering commercial and personal insurance products.
• AcuitycoreChannel Partner/ Reseller/ DistributorAcuity is an insurance carrier represented by Farm Creek, providing commercial and personal insurance solutions.
• AmwinscoreChannel Partner/ Reseller/ DistributorAmwins is a wholesale insurance broker and carrier represented through Farm Creek Insurance for specialized coverage.
• ChubbcoreChannel Partner/ Reseller/ DistributorChubb is a major property and casualty insurance carrier represented by Farm Creek, known for high-value personal and commercial coverage.
• Cabrillo Coastal General InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier represented by Farm Creek for specialized coverage options.
• Cincinnati Insurance CompaniescoreChannel Partner/ Reseller/ DistributorCincinnati Insurance is a carrier represented by Farm Creek providing commercial and personal insurance products.
• Delaware Grange MutualcoreChannel Partner/ Reseller/ DistributorDelaware Grange Mutual is a regional mutual insurance company serving agricultural and rural communities.
• Donegal Insurance GroupcoreChannel Partner/ Reseller/ DistributorDonegal Insurance Group is a regional carrier represented by Farm Creek for personal and commercial coverage.
• Goodville Mutual Casualty CompanycoreChannel Partner/ Reseller/ DistributorGoodville Mutual provides property and casualty insurance with focus on rural and agricultural markets.
• Hanover Insurance GroupcoreChannel Partner/ Reseller/ DistributorHanover is a national insurance carrier represented by Farm Creek for commercial and personal lines.
• Harford MutualcoreChannel Partner/ Reseller/ DistributorHarford Mutual is a regional insurance carrier serving commercial and personal lines.
• Nationwide InsurancecoreChannel Partner/ Reseller/ DistributorNationwide is a major insurance carrier frequently mentioned in customer testimonials as a primary carrier, offering personal and commercial coverage.
• Mutual Benefit GroupcoreChannel Partner/ Reseller/ DistributorRegional insurance carrier represented by Farm Creek for various coverage needs.
• Orchid InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier represented by Farm Creek for specialty coverage options.
• Penn National InsurancecoreChannel Partner/ Reseller/ DistributorPenn National is a regional insurance carrier represented by Farm Creek for commercial and personal coverage.
• Leavitt Group EnterprisescoreOthersParent company of Farm Creek Insurance, LLC. Leavitt Group is a network of insurance agencies across the United States. Farm Creek Insurance is a subsidiary operating under the Leavitt Group umbrella.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• Penn National Insurance: Regional Mid-Atlantic property and casualty carrier distributed primarily through independent agents. Penn National is both a competitor (in personal/commercial P&C) and a current carrier partner of Farm Creek, accessing the same Maryland and Eastern Shore territory.
• Brown & Brown Insurance: National insurance brokerage and agency operator with deep regional presence across personal, commercial, and specialty lines. Brown & Brown competes directly for the same independent-agency middle-market and personal-lines book that Farm Creek serves in Maryland.
• Erie Insurance Group: Regional insurance carrier and agency network serving the Mid-Atlantic and Midwest with home, auto, and commercial lines. Erie Insurance operates a captive agency model in similar geographies to Farm Creek, competing for the same Maryland homeowner and small commercial accounts.
• Donegal Insurance Group: Regional insurance holding company serving Mid-Atlantic and Midwest through independent agents, including Maryland. Donegal competes directly with Farm Creek across personal and commercial lines via agency distribution.
• Leavitt Group Enterprises: Farm Creek's parent company and a national network of independent insurance agencies across the United States. Leavitt Group agencies offer the same multi-line agency/brokerage model, shared carrier partnerships, and back-office infrastructure, making each agency network affiliate a direct comparable.
• Marsh McLennan Agency: Insurance brokerage subsidiary of Marsh McLennan focused on middle-market commercial and personal lines through local offices. Marsh McLennan Agency competes for the same small-to-mid-market commercial and high-net-worth personal book Farm Creek serves.
• Frankenmuth Insurance: Regional mutual insurance carrier with a strong independent agent distribution model in the Mid-Atlantic and Midwest. Frankenmuth competes in personal, commercial, and farm/agriculture insurance — directly overlapping Farm Creek's product mix including its agricultural niche.

Broad incumbents

• State Farm Mutual Automobile Insurance Company: Largest U.S. personal-lines insurer with a captive exclusive-agent distribution model that competes for the same auto, home, and small commercial accounts in Maryland. State Farm is the dominant incumbent against which independent agencies like Farm Creek compete on choice and bundling.
• Chubb Limited: Global property and casualty insurer with a high-net-worth and commercial specialty focus distributed through independent brokers. Chubb is a current carrier partner of Farm Creek and overlaps on commercial and high-value personal lines served in the Maryland region.
• Nationwide Mutual Insurance Company: Large national multi-line insurance carrier with captive and independent agency distribution. Nationwide is both a major carrier partner of Farm Creek and a direct competitor through its exclusive agent force in Maryland.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Farm Creek Insurance