Aird Garcia Insurance Group- Farm Bureau Insurance

What Aird Garcia Insurance Group- Farm Bureau Insurance does

Aird Insurance Group (legal name: Aird Insurance Group; DBA including Farm Bureau Insurance) is a private, independent insurance agency operating under the Farm Bureau Insurance brand in Michigan. The agency sells five core insurance lines — Home, Auto, Life, Business, and Farm — to households, vehicle owners, small businesses, and agricultural operations in Saginaw and Bay City. From two physical offices (5140 State St, Saginaw and 903 Saginaw St, Bay City) supported by phone, text, and online channels, six employees provide personalized policy matching under Farm Bureau underwriting guidelines.

The agency's underlying technology is the standard Farm Bureau Insurance platform stack: michfb.com for quote requests, portal.michfb.com for bill payment and claims, and Farm Bureau portals for policy management and underwriting. The agency itself does not develop proprietary technology; its website runs on Squarespace and serves as a marketing and routing layer into the Farm Bureau ecosystem. The offering is identical in substance to other authorized Farm Bureau agencies and is differentiated primarily by local service.

The business model is sales-led, commission-based recurring revenue. The agency earns a percentage of premiums on policies sold and renewed, with premiums set by Farm Bureau underwriting and billed monthly, semi-annually, or annually. Customer acquisition relies on direct outreach from two offices, digital quote requests via the Farm Bureau portal, and community sponsorship that generates referrals within the Saginaw and Bay City market. There is no venture capital, private equity investment, M&A activity, or non-insurance revenue stream. Ownership is best characterized as a franchise-style agency relationship with Michigan Farm Bureau Insurance rather than a wholly-owned subsidiary.

Name

Aird Garcia Insurance Group- Farm Bureau Insurance

Legal name

Aird Insurance Group

Website

https://airdgarciainsurance.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Aird Insurance Group is a six-employee, Michigan-based insurance agency operating under the Farm Bureau Insurance brand, selling Home, Auto, Life, Business, and Farm policies from offices in Saginaw and Bay City to local households, farmers, and small businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

Saginaw

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commissions: The agency earns revenue through commissions on insurance policies sold. As an independent insurance agency operating under the Farm Bureau Insurance brand, they receive a percentage of premiums paid by policyholders for home, auto, life, business, and farm insurance coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Aird Insurance Group is an independent Farm Bureau Insurance agency that sells personal, property, auto, life, business, and farm insurance policies to individuals, families, and small businesses in Saginaw and Bay City, Michigan. The agency matches customers with Farm Bureau Insurance products through in-person, phone, text, and online channels, earning commissions on policy premiums. It also supports policyholders through Farm Bureau's portals for billing and claims reporting.

Product overview

Aird Insurance Group is a multi-line insurance agency offering a portfolio of five core insurance products: Home, Auto, Life, Business, and Farm insurance. As a Farm Bureau-affiliated agency, they provide personalized insurance solutions by matching client needs with appropriate coverage products. The company operates as a traditional insurance agency rather than a technology platform, offering policies through direct client engagement with agents.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance Personal property and liability insurance for primary, secondary, and rental residences including houses, condos, mobile homes, and lake properties; underwritten and serviced through the Farm Bureau Insurance platform.
• Auto Insurance Personal auto insurance policies covering various vehicle types against accident, liability, and damage exposure for individual drivers and their families.
• Life Insurance Term and whole life insurance policies designed to protect assets and provide financial security to dependents, offered through Farm Bureau Insurance.
• Business Insurance Commercial insurance coverage for small businesses, including protection for business property, liability exposure, and operational continuity, delivered through Farm Bureau Insurance.
• Farm Insurance Specialized farm insurance tailored for agricultural operations, covering farm property, equipment, livestock, and related exposures, offered by agents who understand farming needs through the Farm Bureau Insurance affiliation.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Farm Bureau Insurance (Michigan Farm Bureau)coreChannel Partner/ Reseller/ DistributorAird Insurance Group operates as an authorized agency representing Farm Bureau Insurance in Michigan. They sell Farm Bureau insurance products including home, auto, life, business, and farm insurance. The agency uses Farm Bureau's technology platforms for quoting, policy management, billing, and claims processing. Their website and branding prominently feature Farm Bureau Insurance logos and materials.

Scale indicators1 record

Recent moves3 records

Expansion highlights3 records

Direct peers

• Country Financial: Multi-line insurance and financial services company with a strong farm and rural focus across the Midwest. Comparable to Aird in multi-line offerings including farm coverage, and serves a similar agricultural community demographic.
• Kapnick Insurance Group: Michigan-based independent insurance agency offering multi-line commercial and personal coverage across the state. Direct comparable to Aird in terms of regional footprint, multi-line offering, and independent agency model.
• The Fedeli Group: Independence, Ohio-based independent insurance brokerage serving Midwest businesses with commercial property/casualty and personal insurance. Comparable to Aird as a multi-line independent agency serving similar customer types.
• State Farm: Largest U.S. writer of personal lines through a captive agent model with strong presence in Michigan. Direct comparable to Aird in that State Farm agents in Saginaw and Bay City compete head-to-head for the same homeowners, auto, and life customers Aird serves.
• Hylant Group: Midwest-focused insurance brokerage headquartered in Toledo, Ohio, providing personal, commercial, and benefits insurance. Comparable to Aird as a regional independent brokerage serving local families and businesses.
• M3 Insurance: Upper Midwest insurance brokerage with offices across Wisconsin and the broader Midwest. Comparable to Aird as a multi-line regional broker focused on serving local businesses and individuals.
• Oswald Companies: Cleveland-based independent insurance brokerage serving Midwest clients with personal, commercial, and employee benefits solutions. Comparable to Aird in independent agency model and multi-line offering.

Broad incumbents

• Hub International: Large North American insurance brokerage with extensive retail operations built primarily through independent agency acquisitions. Comparable to Aird as both a competitor for the same customers and a potential consolidator of agencies like Aird.
• Brown & Brown, Inc. Large national insurance brokerage that acquires and aggregates independent agencies across the U.S. Comparable to Aird through its strategy of acquiring independent agencies with similar multi-line books of business in regional markets.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with significant retail brokerage operations across the U.S. Comparable to Aird through its Midwest retail brokerage segment that competes for the same personal and small commercial lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/aird-garcia-insurance-group--farm-bureau-insurance

Revenue estimate

Valuation estimate

Number of profiles

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 Aird Garcia Insurance Group- Farm Bureau Insurance