Business Services



Customized risk management for your unique business goals.

The best way to protect against risk is by working with a partner who truly understands your business. With CHS Insurance, a subsidiary of CHS Inc., you don’t just get an unparalleled understanding of your needs, you get a respected advisor who cares about your bottom line as much as you do.

For agribusiness and related industries, operational risks are unique and complex. For more than 70 years, CHS Insurance has provided clear options and focused solutions, so clients can concentrate on what matters most: their business. With comprehensive risk management solutions, including: insurance, surety bonds (including specialty deferred payment bonds), safety, employment services and group benefits (including wellness programs) specifically for the agribusiness, construction, energy and food processing industries.

As the largest agribusiness insurance organization in the country, its local offices, dedicated teams and special programs allow CHS Insurance to deliver unmatched personalized service, which regularly results in its industry-leading customer retention levels. 

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  • Property & Casualty

    Finding clear insurance solutions for your business is easy when you work with an established partner that understands your industry and has strong relationships with the major carriers in your category. CHS Insurance brokers act as your advocate, helping you focus on reputable property and casualty options that best fit your individual needs and exposures to help you avoid, mitigate or transfer your risk.

    The goal? To help you make strategic decisions that maximize your protection and minimize your total cost of risk.

  • Safety

    Your industry is unique, both in its workplace hazards and regulatory environment. That’s why CHS Insurance is committed as you are to making sure you have truly effective safety programs and tools in place.

    Working with you, CHS Insurance can help ensure you protect your most valuable asset—your people—as well as your communities, your bottom line and your future. You’ll have access to ongoing loss prevention information and claims management consultation from specialists to help you reduce claims. And you’ll be working with professionals who truly understand the safety challenges inherent in agriculture, food, energy and trucking businesses.

    In addition, the unique Safety Resources program can help you meet constantly changing safety regulations by putting a highly–trained safety director on-site to help train your team. Through this fee-for-service program, a Safety Resources professional essentially joins your management team—full- or part-time—to deliver proven results in accident reduction, safety compliance and crisis management.

  • Surety Bonds

    When you want immediate access to innovative, financially strong surety companies and fast response to your bonding needs, turn to CHS Surety® for quick, reliable bonding services and competitive bond rates.

    Writing surety for construction companies and diversified agribusinesses across the U.S., CHS Surety® works with surety carriers that are A.M. Best Company “A” rated or higher and certified by the U.S. Treasury for extra assurance of your guarantee.

    The Deferred Payment Bond Program offers peace of mind to grain producers who want to defer payments while opening access to additional working capital for the elevator.

  • Benefits

    Whether your company has two employees or thousands, CHS Insurance is positioned to deliver expert consultation and tailored programs that help you attract and retain your most valuable asset: your employees. Benefits specialists extend their reach for you through partnerships with industry-leading service organizations to bring value for commercial businesses and individuals alike.

    Comprehensive group benefits are available, including workplace wellness programs.

  • Risk Management

    The experienced risk professionals at CHS Insurance understand that balancing your company’s total risk profile requires a view much broader than just insurance policies. That’s why it offers a broad complement of specialty programs, consultative services and business solutions to help bring you peace of mind that your company assets are secure. Specialized offerings include:

    • Alternative risk financing
    • Captive groups
    • Claims management and loss control
    • Cyber risk
    • Disaster management, including product recall liability
    • Enterprise risk management
    • Environmental programs
    • International operations risk
    • Mergers and acquisitions due diligence
    • Risk identification and assessment
    • Syndicate or deductible programs