About Us

We are a full service commercial property and casualty insurance company supporting agribusiness. Founded in 1953, we aim to provide a reliable source of coverage at the lowest possible net insurance cost.

white builds and silos on a large farm

What Makes us Different?

We Are Experienced

The Exchange has specialized in Agribusiness since our founding in 1953.

Financial Strength

Rated “A” or “Excellent” by AM Best, Financially Stable and Strong.

We Are A Reciprocal Exchange

As a reciprocal insurance exchange, we are owned by our policy holders (subscribers) and managed by an attorney in fact. All subscribers share in profits in proportion to premiums.

"Having a been a long time client, Tri County Fertilizer has reaped the rewards in the form of consistent dividends and equity, along with lower upfront premiums. In addition I know I can count on their expertise and industry experience"

Kevin Fields - Tri-County Fertilizer - Kentucky

farmers shaking hands

Doing Business the Right Way

Our underwriting standards results consistently outperform the industry, as we refuse to lower our standards or charge inadequate rates just to add subscribers.

We are highly selective of our subscribers and charge fair but adequate rates, which we can maintain steadily in the long term, while the rest of the market goes through the usual cycles.

white truck in front of silo

Lower Premiums You Can Rely On

Our strict underwriting standards, low losses, and our low administrative and overhead costs means lower premiums for our subscribers compared to the competition.

Our commitment and experience in the Agribusiness market puts our subscribers at ease over big price increases.

farming machine at work in a field

High Standards You Can Trust

As an organization that only insures agribusiness, every experienced team member understands your unique business risk dynamics and is there to meet your needs accordingly.

The combination of our dedicated expert service, financial performance, and premiums that do not fluctuate, result in our 99% retention rate, something we are very proud of.

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