Pledge Insurance Network (PIN) is part of the Farmers Mutual Hail Insurance Company of Iowa (FMH) family. FMH has been a mutual company, owned by its policyholders, and run by the same family since 1893. FMH’s long-standing commitment to financial strength and outstanding service for its partner agents and policyholders provides the foundation for everything we do.
PIN operates alongside Ag Brokerage Solutions (ABS), another FMH subsidiary that specializes in placing unique or hard-to-write ag risks; and Pledge Insurance Advisors, FMH’s national retail agency, which empowers agents with a trusted solution for placing P&C business. Together, FMH, ABS, Pledge, and PIN deliver a complete network of insurance solutions and expertise for our independent agent partners and customers.
Most aggregators focus on commercial lines or specialty markets, overlooking rural and ag-specific needs. As a result, farmers and rural clients lack coverage options, leaving them exposed to more risks.
PIN is an aggregator designed specifically for farm and agriculture insurance agents. We provide access to specialized carriers for farm, ranch, equine, and rural risks, plus supplemental personal lines. We offer lower barriers to entry for any size agency, with expert support and a niche focus. Plus, members gain higher revenue potential through profit sharing and pooled premiums.

| Pledge Insurance Network | Other Aggregators |
|---|---|
| Focus on Agriculture and Personal Lines | Focus on Commercial Lines and Specialty Markets |
| Low barriers to entry for any size agency | Multiple requirements to join that usually cater only to larger agencies |
| Access to exclusive ag markets | Limited ag markets available |
| Tools and services catered for ag and rural agencies | Generic tools and services |
| 100% of base commission on direct appointments | Varying commission structures |
| Works alongside other networks | Require sole network membership |

