Streamlined insurance products to protect your every day.

FNIC can protect your financial every day needs by securing your home, business, employees, auto, health, life and crop insurance. They have the capabilities of a big city insurance agency combined with the friendly service you’d expect from a small-town community. Explore our insurance protection categories below.

Personal Insurance

Our local insurance agencies can offer you a wide range of insurance products that fit your individual needs. They will take the time to help you choose products for your lifestyle and explain in detail the insurance products you are getting. And, as independent insurance companies, they are able to survey the market for products with competitive rates, all while being right here in our community.

  • Homeowners & Renters Insurance
  • Auto Insurance
  • Antique Automobiles
  • Motorcycle, Watercraft, Snowmobile & other Recreation Vehicles
  • Art, Furs, Collections, & Jewelry
  • Umbrella & Personal Excess Liability
  • Flood
  • Earthquake
  • Medicare Supplements for Individuals over 65
  • and more!

Commercial Insurance

Protect your business, yourself and your employees. Commercial insurance products help take the worry out of business ownership while providing excellent coverage. And, because every business is different, we know there is no one-size-fits-all insurance policy for businesses.

  • Commercial Property & Liability Insurance
  • Scheduled Equipment Coverage
  • Flood
  • Commercial Auto Insurance
  • Commercial Umbrella Excess Liability
  • Cyber Liability Insurance
  • Workers’ Compensation
  • Builders Risk
  • Directors & Officers (D&O) Insurance
  • Fiduciary Liability Insurance
  • Employment Practices Liability Insurance (EPLI)
  • Surety Bonds

Farm & Crop Insurance

Your farm is more than your place of business; it’s also your home. That’s why in the agricultural industry, you need unique insurance protection to feel confident that your property, machinery, employees, and crops are all protected. Our local insurance agencies have the knowledge and experience to create insurance plans unique to your farm.

  • Farm Property & Liability Insurance
  • Farm Autos, Trucks & Equipment
  • Farm Umbrella Excess Policies
  • Scheduled Property
  • Crop Hail Insurance
  • Multi-Peril Crop Insurance (MPCI)
  • Livestock Mortality

Employee Benefits

Your employees are your biggest asset and ensuring their well-being and satisfaction is important to you. Our local insurance agencies partner with you to develop a multi-year strategy focused on your goals and making enhancements as needed from year to year. They work closely with your organization to develop and deliver a benefit plan that is clear for employees and meets all of your organization's goals.

  • Group Medical & Health Plans
  • Dental Insurance
  • Vision Insurance
  • Basic & Supplemental Life Insurance
  • Other Voluntary Benefits
  • Short & Long-Term Disability
  • Executive Benefits

Important Information

Product offerings may vary by location.

FNIC and FNBO are affiliated entities.

Insurance products are: