Agraria Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
No formal public underwriting or appetite guide is posted by Agraria Insurance Company as of this refresh, so guidance below is inferred from official site content and distributor descriptions rather than an explicit carrier manual. Preferred/target business - Geographic focus: Agraria currently writes business in North Dakota, South Dakota, and Utah, distributed through local independent agents. Risks outside these three states should be assumed out of appetite unless specifically referred to the carrier. ([agraria.com](https://agraria.com/find-an-agent/?utm_source=openai)) - Core segments shown on the official site: homeowners/renters, farm and ranch (farmowners), and commercial (presumably small to mid‑sized local business). These lines are positioned for rural and small‑town markets, often with agricultural exposures. ([agraria.com](https://agraria.com/?utm_source=openai)) - Third‑party agency listings show Agraria used for Home, Auto, Life, Business, Farm, Property, Surety bonds, and ATV / Boat / RV, indicating a broad personal and small commercial appetite placed through select agencies, particularly in Utah. Boat and other recreational vehicles are likely written as personal-lines package or via program partners, not as a stand‑alone national watercraft market. ([yardleyinsuranceagency.com](https://www.yardleyinsuranceagency.com/companies.html?utm_source=openai)) Homeowners / dwelling risks (inferred) - Likely preferred: owner‑occupied 1–4 family dwellings in ND, SD, UT with standard construction, primary residences, and good loss history. Independent agents and rate comparisons suggest Agraria is actively competitive for North Dakota homeowners, including rural properties with agricultural outbuildings. ([moneygeek.com](https://www.moneygeek.com/insurance/homeowners/best-homeowners-insurance-north-dakota/?utm_source=openai)) - Expect willingness to include incidental farm or hobby‑farm structures on rural homes (sheds, small barns, machine storage) given the company’s farm and ranch focus. Farmowners / ranch - Site branding and product menu emphasize farmers and ranchers as core customers; expect agribusiness‑type farmowners forms with combined dwelling, farm property, and liability. Typical target would be family‑owned farms and ranches in the three licensed states, written through local agents who know the operations. ([agraria.com](https://agraria.com/?utm_source=openai)) Commercial (small business) - Agraria lists “Commercial” as a major product category without detail; assume focus on main‑street and agricultural‑support businesses (implement dealers, agrisupply, small contractors, local services) within ND/SD/UT and not heavy national accounts. ([agraria.com](https://agraria.com/?utm_source=openai)) Boat / watercraft (inferred) - There is no dedicated boat or watercraft product page on Agraria’s site. ATV/Boat/RV appears instead on at least one independent agency’s product list, with Agraria among represented carriers; this implies agents may place recreational vehicles including boats either with Agraria or via affiliated specialty markets. ([yardleyinsuranceagency.com](https://www.yardleyinsuranceagency.com/companies.html?utm_source=openai)) - Treat stand‑alone watercraft submissions as non‑standard/"refer to underwriter" business unless packaged with a home or farm account through an Agraria‑appointed agency. Restricted / declined classes (inferred – no explicit list) - Out‑of‑territory risks (outside ND, SD, UT) should be treated as declined; the official agent‑locator explicitly limits active writing authority to these three states. ([agraria.com](https://agraria.com/find-an-agent/?utm_source=openai)) - Large or complex commercial accounts, heavy industrial, high‑hazard manufacturing, and specialized marine or stand‑alone yacht exposures are likely out of appetite and should be sent to excess & surplus or specialty markets instead of Agraria. - Because there is no public appetite guide, any non‑standard property (unprotected frame habitational, prior large losses, vacancy, unusual liability exposures) should be pre‑cleared with an Agraria underwriter. Submission & process expectations (operational) - Distribution is 100% through appointed independent agents; the public site offers "Find an Agent" and "Request a Quote" tools but no direct‑to‑consumer binding. Producers must route all new business through local Agraria‑contracted agencies. ([agraria.com](https://agraria.com/?utm_source=openai)) - No public upload portal or underwriting forms are provided; assume standard ACORD applications plus any Agraria‑specific supplements are required. For farm and commercial, expect detailed schedules of buildings, contents, and operations along with loss runs. - Claims are handled via a central "Submit a Claim" link on the site; producers should direct insureds there or to the 800 number listed on the contact page. ([agraria.com](https://agraria.com/?utm_source=openai)) Broker/producer notes - Carrier is a regional property‑casualty writer (NAIC 32670) emerging from a mutual background (formerly Farmers Union Mutual Insurance Company), with a rural/agricultural focus; expect a relationship‑driven underwriting culture and preference for complete, well‑documented submissions from known agencies. ([insurance.nd.gov](https://www.insurance.nd.gov/sites/www/files/documents/Companies/Financial%20Exams/2022/2020%20-%20Final%20AIC%20Exam%20Report.pdf?utm_source=openai)) - Because there is no published risk‑appetite guide, treat all edge‑case risks (unusual farm operations, high‑value or performance watercraft, large schedules, or multi‑state exposures) as "submit for approval" rather than assume acceptability. - For up‑to‑date appetites or program changes (especially for boat/ATV/RV), producers should consult their Agraria marketing representative or the marketing office in Mandan, ND before marketing or quoting. Operational caveat - This summary is based on limited public information and third‑party agency listings rather than a formal Agraria underwriting manual. It should be used as directional guidance only; always defer to written instructions, marketing bulletins, and case‑by‑case decisions from Agraria underwriters.