Cultivating cooperative growth and success.
Agribusinesses experience risks that are unique, complex and often not properly addressed by traditional insurance. Cooperatives, in particular, can see their costs rise year over year, sometimes with limited visibility as to why and few tools to manage them.
We understand the challenges you face as your operation grows. That’s why we’ve collaborated on TrueAg, an insurance group captive that offers cooperatives a tailored, member-controlled solution.
Financial Return
Maximize profits and control your financial outcomes.
Retain profits typically kept by traditional carriers, with the potential for certain valuable tax advantages subject to applicable laws. Depending on performance, you may also receive returns from surplus distributions. In favorable markets, you may benefit from premium savings while aligning financial incentives with smart risk management practices.
Risk Control & Stability
Stabilize costs and enhance your risk management strategies.
Help stabilize your insurance costs and reduce exposure to volatile market swings. Gain greater involvement in claims handling and reserve decisions, while collaborative risk management practices aim to reduce both loss frequency and severity across your operations.
Market & Cost Advantage
Leverage collective power for better pricing and terms.
Collective purchasing power can provide access to better pricing and terms that may not be available to individual operations. Members may benefit from access to competitive rates, potential reduced costs across all coverage layers and transparent broker compensation structures aligned with your cooperative's goals.
Cooperative Alignment & Customization
Built by cooperatives, for cooperatives.
You'll be rated by your own performance record, not penalized by poor performers in other industries. Choose like-minded risk-sharing partners who share your operational values, retain influence over underwriting decisions and governance structure, and build a program that fits your specific needs.
Our Impact
Group Captive Success
Our risk management solutions supported the captive in achieving 38% fewer claims in 2024 than the 5-year average (2019-2023).
"TrueAg Insurance, a cooperative-owned group captive insurance company, is reshaping how we approach property and casualty insurance. TrueNorth's effective program management supports member cooperatives, strengthening TrueAg's sustainable future. Together, we can achieve greater resilience, improve safety, control costs and create value for our members."
Jason Klootwyk
President, TrueAg Insurance & CEO, Agtegra Cooperative
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