FMH Ag Risk Insurance Company, Iowa(IA):Products & Services, Contact Info, Claims, Reviews

FMH Ag Risk Insurance Company may not be the best choice for your workers’ compensation and crop insurance needs.
FMH Ag Risk Insurance Company may not be the best choice for your workers’ compensation and crop insurance needs.

If you are a farmer or an agricultural business owner in Iowa, you may be looking for a reliable and affordable crop insurance provider.

 

You may have heard of FMH Ag Risk Insurance Company, Iowa, a subsidiary of Farmers Mutual Hail Insurance Company of Iowa, that claims to offer customized and easy-to-manage insurance solutions for your crops.

But before you get lured by their attractive rates and promises, you should know that this company may not be as honest and trustworthy as it seems.

In this article, I will reveal some of the hidden facts and red flags that you should be aware of before signing up with FMH Ag Risk Insurance Company, Iowa.

What is FMH Ag Risk Insurance Company, Iowa?

FMH Ag Risk Insurance Company, Iowa, is not only a workers’ compensation insurance provider, but also a crop insurance provider.

FMH Ag Risk is a part of Farmers Mutual Hail, which is one of the leading crop insurance companies in the United States.

Farmers Mutual Hail has been protecting farmers against the devastation of hail damage for over 125 years, and has expanded its product offerings to include multiple peril crop insurance (MPCI), crop hail insurance, private products, and precision solutions.

Who is the CEO of Farmers Mutual Hail?

The CEO of Farmers Mutual Hail, the parent company of FMH Ag Risk, is Shannon Rutledge.

He was promoted to the position of President and Chief Executive Officer effective December 31, 2021, succeeding Ronald Rutledge, who retired on December 30, 2021.

Shannon has been with Farmers Mutual Hail for 27 years and has held roles of increasing responsibility involving all divisions of the company.

He has also served on various boards across the industry.

FMH Ag Risk Insurance Company, Iowa contact

Information Details
Phone Number The main phone number for FMH Ag Risk is (800) 247-5248. You can also call their injured employee hotline at (800) 362-5448, or their customer service center at (800) 247-5248.
Address The address for FMH Ag Risk is 6785 Westown Pkwy, West Des Moines, IA 50266.
Customer Service Contact You can contact FMH Ag Risk’s customer service by email at customerservice@fmh.com, or by phone at (800) 247-5248.
Policy Details  FMH Ag Risk provides workers’ compensation, employers’ liability, and crop insurance to small and mid-sized businesses in 31 states, including Iowa. Workers’ compensation and employers’ liability cover work-related injuries or illnesses of employees and their lawsuits against employers. Crop insurance covers crop losses due to natural disasters or market conditions.
Email Address The general Email Address for FMH Ag Risk is customerservice@fmh.com. You can also report a claim by emailing claimreporting@fmh.com.
Fax Number The fax number for FMH Ag Risk is (515) 282-9104. You can also use an alternate fax number: (515) 282-9105.
Operating Hours FMH Ag Risk’s operating hours are Monday to Friday, from 8:00 a.m. to 4:30 p.m. Central Time.

 

What products and services does FMH Ag Risk Insurance Company, Iowa offer?

FMH Ag Risk offers workers’ compensation and employers’ liability insurance to small and mid-sized businesses in 31 states, including Iowa.

Workers’ compensation insurance covers the medical expenses and lost wages of employees who suffer work-related injuries or illnesses, while employers’ liability insurance covers the legal costs and damages of lawsuits filed by employees or their families against the employer for work-related injuries or illnesses.

The companies Risk’s products are distributed through independent agents who use FMH Ag Risk’s online system to quote, bind, and service policies.

FMH Ag Risk’s online system allows agents and customers to access policy information, billing statements, loss runs, and claims status 24/7.

FMH Ag Risk also provides risk management and loss control services to help customers prevent and reduce workplace accidents and injuries.

Who is eligible for FMH Ag Risk Insurance Company, Iowa coverage?

  • You must have a valid Iowa business license and a federal employer identification number (FEIN).
  • You must have at least one employee who is not an owner or a partner of the business.
  • You must have a payroll of at least $10,000 per year.
  • You must operate in one of the industries that FMH Ag Risk covers, such as service and repair shops, contractors, convenience stores, or lumber yards.

How do I get a quote from FMH Ag Risk Insurance Company, Iowa?

To get a quote from FMH Ag Risk for workers’ compensation insurance, you can either contact a licensed agent or visit their website and fill out an online form.

You will need to provide some basic information about your business, such as:

After you submit your information, FMH Ag Risk will review it and send you a quote within 24 hours.

However, you should not accept the quote without comparing it with other options and doing some research on FMH Ag Risk’s reputation and performance.

FMH Ag Risk Insurance Company, Iowa claim

  • Claim process: To file a claim with FMH Ag Risk, you must report it to them as soon as possible. You can report a claim by calling their injured employee hotline at (800) 362-5448, or by emailing claimreporting@fmh.com. You can also report a claim online through their EACCESS portal, which requires a login and password. You will need to provide some information about the incident, such as your policy number, the employee’s name and social security number, the date, time, and location of the incident, the nature and extent of the injury or illness, the name and address of the medical provider who treated the employee, and the name and contact information of any witnesses or supervisors who were present. After you report a claim, FMH Ag Risk will assign a claims adjuster to handle your case. The adjuster will contact you and the employee to gather more information and determine the benefits and payments that are due.
  • Claim status: You can check the status of your claim online through the EACCESS portal, which requires a login and password. You can also contact your claims adjuster or the customer service center at (800) 247-5248 for any questions or updates on your claim.
  • Required documents for claims: Depending on the type and severity of your claim, you may need to provide some additional documents to support your claim, such as medical records, bills, receipts, police reports, photos, or videos. Your claims adjuster will inform you of the specific documents that are required for your claim and how to submit them.
  • Average claim approval time: The average claim approval time for FMH Ag Risk may vary depending on the complexity and circumstances of your claim. However, according to some customer reviews, FMH Ag Risk has been praised for its fair and prompt claim resolutions and payouts. FMH Ag Risk also claims to have a fast and efficient claims service and to use advanced technology and online platforms to reduce costs and improve customer satisfaction.

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