Agriculture Insurance

Agriculture Insurance Market Outlook

The global agriculture insurance market is projected to reach approximately USD 40 billion by 2035, exhibiting a compound annual growth rate (CAGR) of around 6.5% during the forecast period from 2025 to 2035. This growth is primarily driven by factors such as the increasing need for risk mitigation among farmers due to unpredictable weather patterns, rising awareness about the importance of securing agricultural investments, and the growing adoption of advanced technologies in agriculture. Furthermore, initiatives from governmental and non-governmental organizations aimed at promoting sustainable farming practices and providing financial assistance to farmers are also expected to contribute significantly to market growth. The recent trends in climate change, coupled with rising incidents of natural disasters, have further accentuated the need for robust agriculture insurance products to shield stakeholders against potential losses. As a result, the agriculture insurance market is well-positioned for considerable expansion in the coming years.

Growth Factor of the Market

The agriculture insurance market has witnessed significant growth due to a multitude of factors that are shaping the industry landscape. One primary growth factor is the increasing frequency of extreme weather events, which has heightened the risk for farmers and agricultural producers. This reality has underscored the need for protective measures such as insurance to safeguard against crop failures and livestock losses. Additionally, the technological advancements in precision farming and data analytics have led to more customized insurance products that align closely with individual risk profiles, therefore attracting more users. Moreover, government initiatives and subsidies to promote agriculture insurance have played a crucial role in enhancing accessibility and affordability for smallholder farmers, who are often the most vulnerable to losses. As the agriculture sector becomes increasingly commercialized and integrated with global supply chains, the demand for comprehensive insurance coverage against various risks has also surged, further propelling market growth.

Key Highlights of the Market

• The agriculture insurance market is projected to reach USD 40 billion by 2035.
• Expected CAGR of 6.5% from 2025 to 2035.
• Increased awareness regarding risk management among agricultural stakeholders.
• Growing government support and initiatives for promoting agriculture insurance.
• Technological advancements enabling more customized insurance solutions.

By Insurance Type

Crop Insurance:

Crop insurance is one of the most critical segments within the agriculture insurance market, designed specifically to protect farmers from revenue losses resulting from crop failure due to various perils such as adverse weather conditions, pests, and diseases. The increasing volatility in crop yields due to climate change has driven farmers to seek coverage, thereby propelling the demand for crop insurance products. Additionally, government-backed crop insurance schemes in many countries have further incentivized the uptake of these policies, making them more accessible to farmers. Furthermore, advancements in risk assessment technologies have improved the accuracy of premium calculations, leading to better tailored insurance offerings that meet individual farmer needs.

Livestock Insurance:

Livestock insurance is another crucial segment that provides financial protection to livestock owners against the loss of animals due to diseases, accidents, or other unforeseen events. The importance of livestock insurance is underscored by the fact that livestock is often a significant source of income for many rural households. As the global population continues to grow, the demand for livestock products such as meat and dairy can be expected to rise, thereby increasing the need for insurance coverage. Additionally, awareness among ranchers about the financial ramifications of livestock loss has led to a higher engagement in insurance policies designed for their specific situations, enhancing the market for this insurance type.

Aquaculture Insurance:

Aquaculture insurance addresses the unique risks faced by fish and seafood farmers, including water quality issues, disease outbreaks, and extreme weather events. As aquaculture becomes an increasingly important source of food globally, the need for insurance coverage in this sector is growing. Rising consumer demand for seafood and government initiatives to promote sustainable aquaculture practices are further driving the growth of this insurance type. Additionally, technological advancements in aquaculture farming are leading to improved risk management practices, thereby making insurance more attractive to stakeholders within this segment.

Forestry Insurance:

Forestry insurance offers protection to owners of timberlands against risks that can lead to financial losses such as forest fires, pest infestations, and adverse weather conditions. With growing global awareness about the importance of sustainability and reforestation, the demand for forestry insurance is on the rise. Landowners and forest management companies are increasingly recognizing the financial necessity of safeguarding their investments, contributing to the expansion of this insurance segment. Moreover, potential returns from timber production make forestry insurance a vital tool for mitigating risks linked to long-term investments in forestry.

Others:

This category encompasses various other specialized insurance policies that cater to unique agricultural needs, including insurance for specialty crops, organic farming practices, and agro-tourism ventures. As farming practices diversify to include new and niche markets, the demand for tailored insurance coverage is expected to grow. This segment is characterized by its adaptability to emerging agricultural trends, making it a dynamic part of the agriculture insurance market.

By User

Farmers:

Farmers represent the largest segment of agriculture insurance users, as they are the primary stakeholders directly impacted by environmental and market risks. The increasing adoption of technology in farming, such as precision agriculture, has made farmers more aware of their risk exposures and the benefits of insurance. Additionally, government initiatives aimed at encouraging farmers to secure their investments have led to a heightened interest in insurance products. As farmers seek to protect their income and ensure sustainability in their operations, their participation in the agriculture insurance market is expected to grow significantly.

Ranchers:

Ranchers, who focus on livestock production, also constitute a substantial portion of the agriculture insurance market. They face unique risks associated with animal health, disease outbreaks, and environmental challenges. With the rising costs associated with livestock management, ranchers are increasingly recognizing the importance of securing insurance coverage to mitigate potential financial losses. The trend towards larger commercial ranching operations further emphasizes the need for comprehensive insurance solutions tailored to their specific risk profiles.

Fishermen:

Fishermen, as users of aquaculture insurance, require coverage that addresses the specific risks associated with marine environments, such as fluctuating fish populations and environmental factors. The growing demand for sustainable seafood is prompting fishermen to seek insurance products that not only protect their financial interests but also align with environmental standards. As aquaculture practices become more mainstream, the involvement of fishermen in the agriculture insurance market is likely to expand, creating further growth opportunities.

Forest Owners:

Forest owners are another significant user group within the agriculture insurance market, facing risks that include wildfires, storms, and pest infestations. As more individuals and organizations invest in forested lands for both timber production and conservation purposes, the need for forestry insurance is becoming more apparent. These owners are increasingly looking to protect their investments while also contributing to sustainable forest management practices, underscoring the growing importance of tailored insurance solutions.

Others:

This user category encompasses various stakeholders involved in agriculture, including agricultural cooperatives, agribusinesses, and agricultural-related ventures. These entities often have unique risk exposures that may not be covered by traditional insurance products, creating a demand for specialized policies. As the agricultural landscape continues to evolve, these users are expected to seek out comprehensive insurance solutions that address their specific needs, driving growth in the broader agriculture insurance market.

By Coverage

Weather Risks:

Weather risks form a significant portion of the coverage offered by agriculture insurance products. These risks include natural disasters such as droughts, floods, hailstorms, and hurricanes, which can severely impact crop yields and livestock health. Farmers and ranchers are increasingly recognizing the importance of securing insurance coverage that safeguards them against such unpredictable weather events. With climate change contributing to the increasing frequency and severity of adverse weather conditions, this segment of coverage is expected to see substantial growth as agricultural stakeholders seek protection against potential losses.

Price Volatility:

Price volatility is another critical area of coverage within agriculture insurance, addressing the fluctuations in market prices for crops and livestock. This type of coverage helps farmers stabilize their income by providing compensation when market prices fall below a certain threshold. As global agricultural markets become more interconnected, the risks associated with price volatility are heightened, prompting a growing interest among farmers in securing insurance to mitigate these financial uncertainties. The increasing awareness of market dynamics and economic pressures faced by farmers is expected to drive the demand for price volatility coverage in the coming years.

Input Cost Fluctuations:

Input cost fluctuations represent another crucial risk area covered by agriculture insurance, including the costs of fertilizers, seeds, fuel, and other essential inputs for farming operations. Rising costs can significantly impact farmers' profitability, making this coverage increasingly relevant in today’s agricultural landscape. As input prices become more volatile due to global supply chain disruptions, farmers are becoming more proactive in seeking insurance options that can help them manage these financial pressures. This segment is expected to grow as stakeholders recognize the need for comprehensive protection against rising input costs.

Market Demand:

Market demand coverage focuses on the risk of reduced demand for agricultural products, which can be influenced by factors such as changing consumer preferences, economic downturns, or trade restrictions. Farmers are increasingly aware of the need to secure their income against potential drops in market demand for their products. This coverage can provide essential financial support in times of declining prices or reduced sales, thereby encouraging more farmers to consider insurance as a vital tool for managing market-related risks. The growth in this segment will likely coincide with evolving consumer trends and market dynamics in the agricultural sector.

Others:

This category includes various other types of coverage that address specific risks encountered by agricultural stakeholders. These may involve specialized policies for organic crops, agro-tourism ventures, or niche markets that require tailored risk management solutions. As the agricultural landscape diversifies, the demand for unique insurance products that cater to emerging trends and challenges is expected to grow. This segment reflects the adaptability of the agriculture insurance market to meet the evolving needs of its users, contributing to its overall expansion.

By Distribution Channel

Insurance Companies:

Insurance companies are the primary distribution channel for agriculture insurance products, providing a broad range of coverage options tailored to the unique needs of agricultural stakeholders. These companies typically offer various policy types, ensuring that farmers, ranchers, and other users can find suitable coverage for their specific risks. The increasing competition among insurance providers has led to more innovative products and competitive pricing, promoting the growth of this distribution channel. Additionally, the establishment of strong relationships between insurance companies and agricultural communities fosters trust and increases policy uptake.

Brokers/Agents:

Brokers and agents serve as intermediaries between farmers and insurance companies, adding value by helping agricultural stakeholders navigate the complexities of insurance options. They provide personalized services by assessing individual needs and recommending suitable policies, making them an essential distribution channel in the agriculture insurance market. The expertise of brokers and agents in understanding the specific risks associated with farming and livestock operations enables them to offer tailored solutions that meet the diverse requirements of their clients. As awareness of the importance of insurance continues to grow, the role of brokers and agents is expected to become increasingly vital.

Direct Sales:

Direct sales channels are gaining traction in the agriculture insurance market, as more companies are leveraging digital platforms to sell insurance products directly to consumers. This approach provides farmers with increased convenience and access to a wide array of insurance options. The growth of e-commerce and digital marketing has played a significant role in facilitating direct sales, making it easier for agricultural stakeholders to compare different policies and make informed decisions. As technology continues to evolve, the direct sales channel is expected to expand further, offering more innovative solutions to meet the needs of the agriculture industry.

Bancassurance:

Bancassurance, which involves the collaboration between banks and insurance companies, acts as an effective distribution channel for agriculture insurance products. Banks often have established relationships with farmers and agricultural businesses, making them well-positioned to offer complementary insurance products. This partnership benefits both parties, as banks can provide additional services to their clients, while insurance companies gain access to a broader customer base. As financial institutions continue to recognize the value of offering insurance, the bancassurance model is expected to strengthen its presence in the agriculture insurance market.

Others:

This category encompasses alternative distribution channels, such as online marketplaces and agricultural cooperatives, which provide innovative ways for users to access insurance products. These channels often promote specialized insurance products tailored to specific agricultural sectors, further diversifying the options available to stakeholders. The emergence of these alternative distribution methods reflects the ongoing evolution of the agriculture insurance market, as it adapts to the changing preferences and needs of its users. Continuous growth in this segment is anticipated as technology and consumer behavior evolve.

By Region

The North American agriculture insurance market holds a significant share, estimated at approximately USD 14 billion in 2025, driven by large-scale commercial farming and robust government-backed insurance programs. The region benefits from advanced agricultural technology adoption, enhancing risk assessment and management capabilities. The continuous growth of crop yields, coupled with an increasing awareness of the importance of insurance among farmers, is expected to bolster market expansion at a CAGR of 5.8% during the forecast period. In Europe, the agriculture insurance market is projected to reach around USD 10 billion by 2035, fueled by similar government initiatives and an emphasis on sustainable agricultural practices. The European Union's Common Agricultural Policy (CAP) plays a pivotal role in promoting insurance coverage, further supporting the region's growth. However, challenges such as regulatory differences among member states may affect market dynamics.

In Asia Pacific, the agriculture insurance market is poised for remarkable growth, anticipated to reach USD 8 billion by 2035, supported by the increasing number of smallholder farmers seeking risk protection amid climate change challenges. Countries like India and China are witnessing rapid adoption of agriculture insurance schemes, bolstered by government incentives aimed at mitigating the impacts of adverse weather conditions on food security. Latin America, with a market size of approximately USD 5 billion, is experiencing growth driven by rising agricultural export demand and increasing vulnerability to climate-related risks. The Middle East & Africa region is also developing its agriculture insurance market, projected to reach USD 3 billion by 2035, as governments seek to improve food security and support rural development initiatives.

Opportunities

The agriculture insurance market presents numerous opportunities for growth and innovation, primarily driven by advancements in technology and changing consumer expectations. The rise of data analytics and artificial intelligence in agriculture enables insurers to better assess risks and offer more customized policies. By leveraging real-time data on weather patterns, soil conditions, and crop health, insurance companies can provide tailored coverage that meets the specific needs of farmers. This not only enhances the overall value of insurance products but also fosters trust and loyalty among clients. Furthermore, as the demand for sustainable farming practices increases, insurers can develop specialized products that cater to environmentally friendly initiatives, attracting new customers who prioritize sustainability.

Another promising opportunity lies in the increasing collaboration between insurers and agricultural technology companies. These partnerships can lead to the development of innovative insurance solutions that address emerging risks in agriculture. For instance, integrating blockchain technology in agriculture insurance can improve transparency and efficiency in claims processing, creating a more seamless experience for stakeholders. Additionally, as agricultural markets continue to globalize, there is a rising demand for cross-border insurance solutions that cater to multinational agricultural businesses. By expanding their offerings to include international coverage, insurance providers can tap into new revenue streams and enhance their competitiveness.

Threats

Despite the growth potential of the agriculture insurance market, several threats could hinder its progress. One major threat is the increasing frequency and severity of natural disasters caused by climate change, which can lead to substantial losses for insurers. As catastrophic events become more common, there is a growing concern about the sustainability of agricultural insurance models, particularly regarding premium pricing and risk assessment accuracy. If insurance providers are unable to effectively manage these risks, they may face significant financial challenges, potentially leading to reduced coverage options for agricultural stakeholders. Furthermore, regulatory challenges and compliance issues can also pose threats to the agriculture insurance market, as different regions may impose varying requirements that complicate policy offerings and pricing structures.

Another critical concern is the lack of awareness and understanding of insurance products among smallholder farmers, particularly in developing regions. Many farmers remain hesitant to invest in insurance due to misconceptions about its value or a lack of access to relevant information. This widespread lack of knowledge can contribute to lower insurance penetration rates, limiting market growth. Additionally, the traditional approach to agriculture insurance may not fully address the needs of modern agricultural practices, which could lead to a disconnect between product offerings and actual farmer requirements. To overcome these challenges, it is essential for insurers to focus on education and outreach efforts to enhance awareness and build trust within agricultural communities.

Competitor Outlook

• Arcadia Insurance
• Farmers Mutual Hail Insurance Company
• American Agrisurance
• Rain and Hail Insurance
• Crop Insurance Professionals
• AgriLogic Insurance Services
• The Hartford
• Great American Insurance Group
• Hiscox
• Chubb Limited
• Zurich Insurance Group
• AXA XL
• QBE Insurance Group
• Liberty Mutual Insurance
• Lockton Companies

The competitive landscape of the agriculture insurance market is characterized by a mix of traditional insurance companies and newer players that leverage technology to provide innovative solutions. Established firms dominate the market due to their extensive experience and established relationships with farmers and ranchers. These companies often offer a wide range of products, catering to different agricultural sectors and risks while benefiting from economies of scale. However, the influx of insurtech companies is reshaping the competitive dynamics, as they introduce digital platforms and data-driven solutions that enhance customer experience and streamline operations. This competition is fostering an environment of innovation where traditional insurers are prompted to adapt and evolve to meet changing consumer demands.

Major companies in the agriculture insurance market include Arcadia Insurance, a leader in crop insurance solutions that utilizes advanced analytics to assess risk accurately. Their innovative approach allows them to offer customized policies that resonate well with farmers looking for tailored coverage. Similarly, Farmers Mutual Hail Insurance Company stands out for its strong focus on customer service and long-standing reputation in the market, making it a trusted partner for many agricultural stakeholders. American Agrisurance has also made a name for itself by providing specialized coverage options that address the unique needs of different agricultural segments, further enhancing its competitive position.

Another significant player in the market is Zurich Insurance Group, known for its comprehensive insurance offerings that extend beyond agriculture into various sectors. Their global presence and robust risk management expertise enable them to provide unparalleled support to farmers and ranchers. Chubb Limited is also noteworthy, offering innovative insurance solutions tailored to the evolving needs of the agricultural industry. The company’s commitment to sustainability and responsible farming practices aligns with the growing emphasis on environmental stewardship in agriculture, enhancing its market appeal. Overall, the competitive landscape continues to evolve as both traditional and emerging players vie for market share in the dynamic agriculture insurance market.

• 1 Appendix

  • 1.1 List of Tables
  • 1.2 List of Figures

• 2 Introduction

  • 2.1 Market Definition
  • 2.2 Scope of the Report
  • 2.3 Study Assumptions
  • 2.4 Base Currency & Forecast Periods

• 3 Market Dynamics

  • 3.1 Market Growth Factors
  • 3.2 Economic & Global Events
  • 3.3 Innovation Trends
  • 3.4 Supply Chain Analysis

• 4 Consumer Behavior

  • 4.1 Market Trends
  • 4.2 Pricing Analysis
  • 4.3 Buyer Insights

• 5 Key Player Profiles

  • 5.1 AXA XL
    • 5.1.1 Business Overview
    • 5.1.2 Products & Services
    • 5.1.3 Financials
    • 5.1.4 Recent Developments
    • 5.1.5 SWOT Analysis
  • 5.2 Hiscox
    • 5.2.1 Business Overview
    • 5.2.2 Products & Services
    • 5.2.3 Financials
    • 5.2.4 Recent Developments
    • 5.2.5 SWOT Analysis
  • 5.3 The Hartford
    • 5.3.1 Business Overview
    • 5.3.2 Products & Services
    • 5.3.3 Financials
    • 5.3.4 Recent Developments
    • 5.3.5 SWOT Analysis
  • 5.4 Chubb Limited
    • 5.4.1 Business Overview
    • 5.4.2 Products & Services
    • 5.4.3 Financials
    • 5.4.4 Recent Developments
    • 5.4.5 SWOT Analysis
  • 5.5 Arcadia Insurance
    • 5.5.1 Business Overview
    • 5.5.2 Products & Services
    • 5.5.3 Financials
    • 5.5.4 Recent Developments
    • 5.5.5 SWOT Analysis
  • 5.6 Lockton Companies
    • 5.6.1 Business Overview
    • 5.6.2 Products & Services
    • 5.6.3 Financials
    • 5.6.4 Recent Developments
    • 5.6.5 SWOT Analysis
  • 5.7 QBE Insurance Group
    • 5.7.1 Business Overview
    • 5.7.2 Products & Services
    • 5.7.3 Financials
    • 5.7.4 Recent Developments
    • 5.7.5 SWOT Analysis
  • 5.8 American Agrisurance
    • 5.8.1 Business Overview
    • 5.8.2 Products & Services
    • 5.8.3 Financials
    • 5.8.4 Recent Developments
    • 5.8.5 SWOT Analysis
  • 5.9 Zurich Insurance Group
    • 5.9.1 Business Overview
    • 5.9.2 Products & Services
    • 5.9.3 Financials
    • 5.9.4 Recent Developments
    • 5.9.5 SWOT Analysis
  • 5.10 Rain and Hail Insurance
    • 5.10.1 Business Overview
    • 5.10.2 Products & Services
    • 5.10.3 Financials
    • 5.10.4 Recent Developments
    • 5.10.5 SWOT Analysis
  • 5.11 Liberty Mutual Insurance
    • 5.11.1 Business Overview
    • 5.11.2 Products & Services
    • 5.11.3 Financials
    • 5.11.4 Recent Developments
    • 5.11.5 SWOT Analysis
  • 5.12 AgriLogic Insurance Services
    • 5.12.1 Business Overview
    • 5.12.2 Products & Services
    • 5.12.3 Financials
    • 5.12.4 Recent Developments
    • 5.12.5 SWOT Analysis
  • 5.13 Crop Insurance Professionals
    • 5.13.1 Business Overview
    • 5.13.2 Products & Services
    • 5.13.3 Financials
    • 5.13.4 Recent Developments
    • 5.13.5 SWOT Analysis
  • 5.14 Great American Insurance Group
    • 5.14.1 Business Overview
    • 5.14.2 Products & Services
    • 5.14.3 Financials
    • 5.14.4 Recent Developments
    • 5.14.5 SWOT Analysis
  • 5.15 Farmers Mutual Hail Insurance Company
    • 5.15.1 Business Overview
    • 5.15.2 Products & Services
    • 5.15.3 Financials
    • 5.15.4 Recent Developments
    • 5.15.5 SWOT Analysis

• 6 Market Segmentation

  • 6.1 Agriculture Insurance Market, By User
    • 6.1.1 Farmers
    • 6.1.2 Ranchers
    • 6.1.3 Fishermen
    • 6.1.4 Forest Owners
    • 6.1.5 Others
  • 6.2 Agriculture Insurance Market, By Coverage
    • 6.2.1 Weather Risks
    • 6.2.2 Price Volatility
    • 6.2.3 Input Cost Fluctuations
    • 6.2.4 Market Demand
    • 6.2.5 Others
  • 6.3 Agriculture Insurance Market, By Insurance Type
    • 6.3.1 Crop Insurance
    • 6.3.2 Livestock Insurance
    • 6.3.3 Aquaculture Insurance
    • 6.3.4 Forestry Insurance
    • 6.3.5 Others
  • 6.4 Agriculture Insurance Market, By Distribution Channel
    • 6.4.1 Insurance Companies
    • 6.4.2 Brokers/Agents
    • 6.4.3 Direct Sales
    • 6.4.4 Bancassurance
    • 6.4.5 Others

• 7 Competitive Analysis

  • 7.1 Key Player Comparison
  • 7.2 Market Share Analysis
  • 7.3 Investment Trends
  • 7.4 SWOT Analysis

• 8 Research Methodology

  • 8.1 Analysis Design
  • 8.2 Research Phases
  • 8.3 Study Timeline

• 9 Future Market Outlook

  • 9.1 Growth Forecast
  • 9.2 Market Evolution

• 10 Geographical Overview

  • 10.1 Europe - Market Analysis
    • 10.1.1 By Country
      • 10.1.1.1 UK
      • 10.1.1.2 France
      • 10.1.1.3 Germany
      • 10.1.1.4 Spain
      • 10.1.1.5 Italy
  • 10.2 Asia Pacific - Market Analysis
    • 10.2.1 By Country
      • 10.2.1.1 India
      • 10.2.1.2 China
      • 10.2.1.3 Japan
      • 10.2.1.4 South Korea
  • 10.3 Latin America - Market Analysis
    • 10.3.1 By Country
      • 10.3.1.1 Brazil
      • 10.3.1.2 Argentina
      • 10.3.1.3 Mexico
  • 10.4 North America - Market Analysis
    • 10.4.1 By Country
      • 10.4.1.1 USA
      • 10.4.1.2 Canada
  • 10.5 Agriculture Insurance Market by Region
  • 10.6 Middle East & Africa - Market Analysis
    • 10.6.1 By Country
      • 10.6.1.1 Middle East
      • 10.6.1.2 Africa

• 11 Global Economic Factors

  • 11.1 Inflation Impact
  • 11.2 Trade Policies

• 12 Technology & Innovation

  • 12.1 Emerging Technologies
  • 12.2 AI & Digital Trends
  • 12.3 Patent Research

• 13 Investment & Market Growth

  • 13.1 Funding Trends
  • 13.2 Future Market Projections

• 14 Market Overview & Key Insights

  • 14.1 Executive Summary
  • 14.2 Key Trends
  • 14.3 Market Challenges
  • 14.4 Regulatory Landscape

Segments Analyzed in the Report

The global Agriculture Insurance market is categorized based on

By Insurance Type

• Crop Insurance
• Livestock Insurance
• Aquaculture Insurance
• Forestry Insurance
• Others

By User

• Farmers
• Ranchers
• Fishermen
• Forest Owners
• Others

By Coverage

• Weather Risks
• Price Volatility
• Input Cost Fluctuations
• Market Demand
• Others

By Distribution Channel

• Insurance Companies
• Brokers/Agents
• Direct Sales
• Bancassurance
• Others

By Region

• North America
• Europe
• Asia Pacific
• Latin America
• Middle East & Africa

Key Players

• Arcadia Insurance
• Farmers Mutual Hail Insurance Company
• American Agrisurance
• Rain and Hail Insurance
• Crop Insurance Professionals
• AgriLogic Insurance Services
• The Hartford
• Great American Insurance Group
• Hiscox
• Chubb Limited
• Zurich Insurance Group
• AXA XL
• QBE Insurance Group
• Liberty Mutual Insurance
• Lockton Companies