Farm Family Insurance

What Farm Family Insurance does

Farm Family Insurance is a U.S. property and casualty insurance brand, founded in 1954 and headquartered in Glenmont, New York, that specializes in coverage for farms, ranches, agribusinesses, and small to medium sized businesses. Its flagship product, the Special Farm Package (SFP), bundles personal, farm, and business liability coverage, including residences, buildings, farm personal property with livestock, scheduled valuables, and liability, into a single customizable policy. The company also offers business insurance (for specialty contractors, professional offices, restaurants, retailers, and service operations), auto insurance, and add-on coverages such as umbrella, workers' compensation, cyber, EPLI, EBL, equipment breakdown, and tools and equipment coverage.

Farm Family operates as a brand under Clearbrook Group Holdings Inc., with policies underwritten by multiple affiliated carriers including American National Property And Casualty Company (Springfield, MO), United Farm Family Insurance Company (Glenmont, NY), Argonaut Insurance Company (Chicago, IL), American National County Mutual Insurance Company, and American National Lloyds Insurance Company (Galveston, TX). Distribution is anchored in a network of independent local agents who build tailored quotes based on operation type, size, risk profile, and geography, supplemented by website quote-request forms. The company maintains "A" financial strength ratings and, in 2026, launched the Enhanced Solutions Program, a referral-based ecosystem connecting policyholders with third-party risk-mitigation vendors, starting with Azuga for fleet telematics.

The business model is recurring premium underwriting priced on individual risk profiles, billed annually. The company is transitioning its specialty P&C branding from American National to Farm Family and is positioning to expand into the U.K. and Japan markets as part of the parent's broader international growth strategy, led by CEO Sachin Shah of Brookfield Wealth Solutions.

Name

Farm Family Insurance

Legal name

Clearbrook Group Holdings Inc.

Website

https://farmfamily.com

Company type

Private

Founded year

1954

Operating status

Operating

Headcount range

251–500 employees

Short description

Farm Family Insurance is a U.S. property and casualty insurer, founded in 1954 and headquartered in Glenmont, New York, providing tailored farm, ranch, business, and auto coverage to agribusinesses and small to medium sized businesses through a network of independent local agents and multiple affiliated carriers under Clearbrook Group Holdings.

Ownership category

akta.pro rank

Product category

Agricultural Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Crop & Farm Property Insurance (FSAJACAK)

akta.pro secondary industries

Farm Risk Management & Insurance Advisory (AFACAJAD), Homeowners Insurance (FSAJACAA)

Keywords

• Farm insurance
• Ranch insurance
• Agricultural insurance
• Commercial farm coverage
• Personal lines insurance

Headquarters

HQ city

Glenmont

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Property and Casualty Insurance Premiums: Farm Family generates revenue through underwriting and selling property and casualty insurance policies. Products may be underwritten by American National Property And Casualty Company (Springfield, Missouri), United Farm Family Insurance Company (Glenmont, New York), Argonaut Insurance Company (Chicago, Illinois), American National County Mutual Insurance Company and American National Lloyds Insurance Company (Galveston, Texas). Insurance products include farm and ranch, business, and auto coverage.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Farm Family Insurance is a property and casualty insurer that underwrites and distributes personal and commercial insurance products with a focus on farms, ranches, and rural small businesses. The company provides coverage for homes, vehicles, farm property, livestock, equipment, and liability, sold primarily through an exclusive network of independent agents across the northeastern United States.

Product overview

Farm Family Insurance is a property and casualty insurance provider offering a portfolio of insurance products underwritten by multiple carriers including American National Property And Casualty Company, United Farm Family Insurance Company, and Argonaut Insurance Company. The core offerings include Farm and Ranch Insurance (centered on the proprietary Special Farm Package combining personal, farm and business coverage), Business Insurance (covering specialty contractors, professional offices, restaurants, retailers, and service operations), and Auto Insurance. Additional add-on coverages include Umbrella, Workers' Compensation, Cyber Insurance, EPLI, EBL, Equipment Breakdown, and Tools and Equipment coverage. The company also offers an Enhanced Solutions Program providing referral-based access to third-party vendor solutions for risk mitigation.

Differentiator

Problem solved

Functional benefit

Products and services

• Farmowners Insurance
• Homeowners Insurance
• Auto Insurance
• Commercial Auto Insurance
• Umbrella Insurance
• Equine Insurance

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• ArgocoreStrategic or Co-development PartnerFarm Family is affiliated with Argo, a sister company within the Clearbrook Group Holdings Inc. portfolio of specialty property and casualty insurance companies. Both brands operate under the same corporate parent.
• American NationalcoreStrategic or Co-development PartnerFarm Family is affiliated with American National, a sister company within the Clearbrook Group Holdings Inc. portfolio. Farm Family products may be underwritten by American National Property And Casualty Company and other American National entities.
• AzugaminorGTM or Marketing PartnerAzuga joined the Farm Family Enhanced Solutions Program, helping fleet-based operations manage risk with greater control. Azuga provides real-time tracking and AI-powered dashcams, giving insight into vehicles, drivers, and daily activity to help businesses prevent accidents, improve performance, and protect their bottom line. Azuga offers improved driver safety, lower operating costs, stronger claims documentation, and preferred pricing through the program.
• Clearbrook Group Holdings Inc.coreOthersClearbrook Group Holdings Inc. is the parent company of Farm Family Insurance. Farm Family is transitioning the brand name for specialty property and casualty lines from American National to Farm Family. Companies trading under the Farm Family Insurance brand are subsidiaries of Clearbrook Group Holdings Inc.

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Farm Bureau Financial Group: Direct competitor offering farm and ranch, crop, and personal lines insurance through a similar agent-based distribution model across rural America. Highly comparable in target customer (farm/ranch owners) and bundled product design.
• EMC Insurance Companies: Midwest-based P&C insurer focused on farm and agricultural risks alongside commercial lines, with similar agent distribution. Comparable in farm/ag specialization and SMB focus.
• Country Financial (Country Companies): Midwest-based mutual insurer offering farm, auto, home, and business insurance with strong agricultural expertise. Comparable in vertical specialization and agent-led distribution to farm and SMB customers.
• Nationwide Agribusiness: Specialized farm and agribusiness P&C insurance arm of Nationwide, directly competing in farm/ranch and commercial ag coverage. Comparable in target market, product breadth, and underwriting specialization.

Regional players

• Shelter Insurance: Mutual regional P&C insurer serving the Midwest and South with auto, home, farm, and business lines via exclusive agents. Comparable in agent-led distribution and SMB/agriculture customer mix, though focused in different geographies.
• Auto-Owners Insurance: Midwest-based P&C insurer selling personal, commercial, farm, and life insurance through independent agents. Comparable in independent agent distribution and broad P&C product portfolio, though with much wider geographic reach.

Broad incumbents

• Cincinnati Financial: Large P&C carrier with a significant commercial and farm insurance book distributed through independent agents. Comparable in independent agent model, farm/ranch focus, and A-rated financial strength.
• Markel Group: Specialty P&C insurer with agricultural and equine insurance offerings through Markel Specialty. Comparable in specialty farm/equine niche and high-touch agent relationships, though at a much larger scale.
• American National Insurance Group: Sister company under Clearbrook Group Holdings that previously underwrote the specialty P&C book now being rebranded to Farm Family. Closely related corporate parent, overlapping products, and shared operating infrastructure.
• Argo Group: Sister specialty P&C insurer under Clearbrook Group Holdings, providing property, casualty, and specialty insurance to commercial clients. Shared corporate parent and overlapping operational footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@FarmFamilyInsurance
• LinkedInlinkedin.com/company/farmfamilyinsurance

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 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 Farm Family Insurance