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Learn About Our Agency

Risk & Insurance Solutions and The Insurance Store are independent insurance agents that proudly serve the state of Nebraska and multiple states from our two locations. Our goal is to provide the insurance protection our clients need by offering quality products, excellent service, and value. We are here to help find the insurance solutions for you, your family, and your business.

Serving Nebraska and Beyond

Risk & Insurance Solutions and The Insurance Store are proud to serve clients in Nebraska and multiple states. Get in touch with one of our locations today.

Risk & Insurance Solutions, Kearney, NEThe Insurance Store, Sidney, NE

Find Your Combination of Coverage, Service and Price

Risk & Insurance Solutions offers a variety of insurance by industry, business insurance, personal insurance, and employee benefits solutions to help you protect what matters most.

Explore Insurance Coverages

We offer insurance by industry tailored to help safeguard your business.

Safeguard the future of your business with business insurance solutions.

Protect what is most important to you with personal insurance solutions.

Protect, attract, and retain your team by building an employee benefits package.

The Independent Agency Advantage

What makes our independent insurance agency different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

ATV / Utility Vehicles
Risk Factor

Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.


If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.

Products Liability Exposure
Risk Factor

Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.


To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Foreign Object Ingestion Coverage
Risk Factor

Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.


Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.

Coverage for Peak Season
Risk Factor

During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.


Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.

Risk Factor

Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.


It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.

Risk Factor

What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?


A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.

Care, Custody, and Control
Risk Factor

If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.


To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.

Custom Farming / Business Activity
Risk Factor

Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.


To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.

Field Crops
Risk Factor

There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?


You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.

Risk Factor

If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.


Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.

Glass Coverage
Risk Factor

If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.


Be sure you have coverage to help pay for repairs or other service work for broken glass.

Learn More About This Coverage
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Manage Your Policies

Already a client of Risk & Insurance Solutions? Login to the Client Portal to make requests and manage your insurance.

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Our Clients Rave About Us

Check out our reviews and see why you should switch to Risk & Insurance Solutions.

Read Our Google Reviews

“Best insurance company I’ve ever had! Prices are amazing and more bang for your buck. My agent Sidney is very helpful and always wants to get the best coverage at the best price.”

Nichole A.

“Awesome group! Very helpful helping me get all my policies in order! They have an abundance of patience with me!”

Marian H.

“Great customer service! They really listen to your needs, are not pushy, and got coverage that works for me in a budget I can afford. Very quick to respond if or when I have questions.”

Amy J.

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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