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ARU writes both Commercial Property and Commercial General Liability coverage nationwide, across all lower 48 states, with a growing book of business concentrated across the Midwest: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin. Each program is placed through wholesale distribution and underwritten separately, with its own appetite built around the operational realities other markets decline.
COMMERCIAL GENERAL LIABILITY
General Liability Built
for Midwest Risks
Midwest agriculture comes with liability risks that standard CGL markets often won’t cover. From farm equipment dealers to specialty agricultural retailers and manufacturers, businesses across Kansas, Nebraska, Wisconsin, Minnesota, and the broader Midwest face exposures that require specialized expertise. ARU provides agribusiness liability coverage built around these risks, using industry knowledge to underwrite where one-size-fits-all markets fall short.
Appetite
Built for the classes of business that make up the backbone of Midwest agriculture and rural commerce, from specialty retail and wholesale distribution to food, beverage, and machinery manufacturing.
Wholesale Distribution
• Grocery stores & distributors • Meat, fish, poultry, & seafood stores / distributors • Feed, grain, and hay dealers • Fruit & vegetables dealers / distributors • Supermarkets • Lumberyard • Farm Equipment service & dealers
Manufacturing - Food, Beverage, & Agriculture
• Bakery plants • Food product manufacturing • Meat, poultry, and seafood processing • Dairy & juice manufacturing • Grain milling • Beer, wine, & beverage bottling • Pet food & feed manufacturing • Packing houses & rendering works
Agricultural, Forestry, & Real Estate
• Harvesting contractors & orchards/vineyards • Landscape gardening & lawn care • Forestry service • Grain elevator operations • Packing houses & stockyards • Warehouses (including cold storage)
Manufacturing - Machinery, Metals, & Electronics
• Machinery & machinery parts (farm, industrial, & metalwork) • Metal goods manufacturing • Metal heat processing • Refrigeration equipment manufacturing • Furniture manufacturing & assembling • Bottles, jars, boxes, & containers
CURRENTLY WRITING IN
All 48 lower states, including Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin.
COMMERCIAL PROPERTY
Commercial Property Coverage
for Midwest Risks
ARU's Commercial Property program provides primary and ground-up coverage for complex agricultural and commercial risk, with the flexibility to participate in shared and layered towers for higher-value accounts. Our underwriting relies on data-driven risk assessment paired with niche agricultural expertise, the same discipline behind ARU's decade of experience insuring farm-focused property risk.
Appetite
Commercial Property built for a broad range of complex and high-hazard risks, including manufacturing, warehousing, distribution, retail, wholesale, and food & beverage operations across the Midwest.
Agriculture & Agribusiness
• Row crop farming • Livestock & dairy operations • Aquaculture & fisheries • Forestry & lodging • Cotton gins • Grain handling & storage • Seed operations • Farm support services
Manufacturing - Food, Beverage, Agriculture,
& More
• Animal feed • Milling & grain processing • Oilseed processing • Dairy products • Meat & poultry processing • Seafood processing • Bakeries
• Beverage manufacturing • Breweries, wineries, & distilleries • Textiles & apparel • Leather goods • Wood products • Paper & packaging
• Fertilizer & compost • Agricultural chemicals • Metal fabrication
• Machinery & equipment • Building materials • Industrial products
Warehousing & Distribution
• General warehousing • Refrigerated & cold storage • Farm product storage • Food & beverage distribution • Agricultural supply distribution • Construction material distribution • Chemical & petroleum distribution • Consumer goods distribution
Retail & Wholesale
• Grocery & specialty food stores • Farm & garden supply retailers
• Hardware & building materials • Furniture & home furnishings
• Pharmacies & personal care retailers • Fuel dealers • Sporting goods & specialty retail
Hospitality & Food
Service
• Hotels & motels • Resorts & campgrounds • Restaurants • Caterers
• Food service contractors • Bars & beverage establishments
Specialty Commercial Property
• Cold storage facilities • Agribusiness supply chain risks • Veterinary facilities • Food production operations • Industrial processing facilities
• Owner-occupied commercial property
CURRENTLY WRITING IN
All 48 lower states, including Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin.
