| ALL Direct Written Premium (DPW) | Ind Agent DPW | Excl.-Captive DPW | Direct DPW | Surplus Lines DPW | | $363,158,000 | $202,336,000 | $133,506,000 | $27,316,000 | $17,000 | | | | | | | | 2019 to 2023 Ave Commission % (All Insurers) | Ind Agent Penetration | Excl.-Captive Penetration | Direct Penetration | Surplus Lines Utilization | | 14.9% | 15.8% | 15.3% | 14.8% | 15.0% | 56% | 37% | 8% | 0.0% | | | | | | | Active Affiliated and Unaffiliated | IA+MGA+IA-Mixed | Excl.-Captive | Direct | Surplus Lines Insurers | | 39 | 28 | 9 | 2 | 1 | | | | | | | | 1-yr | 5-yr Premium Growth: All Premium | 1-yr | 5-yr: IA+MGA+IA-Mixed | 1-yr | 5-yr: Excl.-Captive | 1-yr | 5-yr: Direct | 1-yr | 5-yr: Surplus Lines | | 18% | 10% | 15% | 9% | 8% | 9% | 207% | 29% | -93% | -54% | | | | | | | | Top 5 Groups | 1-yr DPW | 1-yr LR | CR | 1-yr Growth | Comm% | Largest Insurer in Group or "N/A" | | Farmers Mutual Insurance Co of Nebraska | $155,727,000 | 62% | 90% | 22% | 15% | N/A | | Farm Bureau Property & Casualty Group (G) | $90,081,000 | 74% | 104% | 23% | 16% | Farm Bureau Property & Casualty Ins Co | | Nationwide Property & Casualty Group (G) | $34,118,000 | 52% | 83% | 9% | 16% | Nationwide Agribusiness Insurance Co | | State Farm Group (G) | $29,647,000 | 54% | 78% | 0% | 11% | State Farm Fire and Casualty Company | | North Star Companies (G) | $20,508,000 | 52% | 75% | 23% | 15% | North Star Mutual Insurance Company | | Total or Average | $363,155,000 | 62% | 91% | 18% | 15% | N/A | | | | | | Top 5 Pure Independent Agent-Broker Policy-Issuing Insurers
| Group or "N/A" | | Farmers Mutual Insurance Co of Nebraska | $155,727,000 | 62% | 90% | 22% | 15% | N/A | | North Star Mutual Insurance Company | $20,508,000 | 52% | 75% | 23% | 15% | North Star Companies | | Battle Creek Mutual Insurance Company | $7,535,000 | 33% | 52% | 13% | 16% | Nodak Insurance Group | | Farmers Alliance Mutual Insurance Co | $6,757,000 | 88% | 120% | 11% | 16% | Farmers Alliance Companies | | AMCO Insurance Company | $3,513,000 | 20% | 32% | -64% | 11% | Nationwide Property & Casualty Group | Top 3 MGA/Wholesale Policy-Issuing Insurers
| Group or "N/A" | | Markel Insurance Company | $215,000 | 93% | 118% | -5% | 9% | Markel Insurance Group | | American Reliable Insurance Company | $148,000 | 9% | 40% | -1% | 21% | ECM Group | | N/A | $0 | N/A | N/A | N/A | N/A | N/A | Top 3 Exclusive-Captive Policy-Issuing Insurers
| Group or "N/A" | | Farm Bureau Property & Casualty Ins Co | $84,997,000 | 74% | 106% | 22% | 16% | Farm Bureau Property & Casualty Group | | State Farm Fire and Casualty Company | $29,647,000 | 54% | 76% | 0% | 11% | State Farm Group | | Western Agricultural Insurance Company | $5,084,000 | 85% | 100% | 31% | 12% | Farm Bureau Property & Casualty Group | Top 3 Direct Policy-Issuing Insurers
| Group or "N/A" | | Nationwide Agribusiness Insurance Co | $14,515,000 | 74% | 101% | 197% | 18% | Nationwide Property & Casualty Group | | Crestbrook Insurance Company | $12,801,000 | 47% | 64% | 219% | 14% | Nationwide Property & Casualty Group | | N/A | $0 | N/A | N/A | N/A | N/A | N/A | Top 3 Surplus Lines Policy Issuing Insurers
| Group or "N/A" | | Scottsdale Insurance Company | $17,000 | -279% | -273% | -62% | 24% | Nationwide Property & Casualty Group | | N/A | $0 | 0% | N/A | -100% | N/A | N/A | | N/A | N/A | N/A | N/A | N/A | N/A | N/A | | Top Individual RRG | Group or "N/A" | | N/A | $0 | N/A | N/A | N/A | N/A | N/A
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Source: © A.M. Best Company — used by permission.
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