Your trusted insurance advisors in Iowa

FNIC collaborates closely with Iowa residents and businesses to create personalized solutions that align with your goals and objectives. Our comprehensive insurance offerings encompass employee benefits, commercial insurance, personal insurance, farm & crop insurance, and surety bonds that meet your unique needs. 


We're Here For You

FNIC proudly serves Iowa with a strong presence across the state with locations in Denison, Avoca, Sibley, Spencer, and more. Our team of dedicated insurance professionals are strategically positioned allowing us to work closely with residents and businesses throughout Iowa.

We understand the unique goals and objectives of individuals and businesses in Iowa and tailor our services to meet your specific needs. At FNIC, we take pride in collaborating with you, whether you're in the bustling heart of Denison, the serene landscapes of Sibley, the close-knit community of Spencer, or anywhere else in this great state. We're here to craft innovative insurance solutions that align with your needs, ensuring that you and your assets are protected, no matter where you call home in Iowa.

Employee Benefits in Iowa<br/>

Employee Benefits in Iowa

At FNIC, we understand that offering employee benefits is a crucial part of attracting and retaining top talent. That's why we offer a wide range of employee benefits options to help you provide your employees with the protection and security they are looking for.

Our coverage options include health, dental, vision, life, and disability insurance. Our knowledgeable team using topnotch tools and technology will collaborate with you to create a benefits package that meets the specific needs of your business and your employees.

Commercial Insurance in Iowa

Commercial Insurance in Iowa

We know that every business is unique with their own set of risks and challenges. That's why FNIC has commercial coverage options designed to protect businesses of all sizes and industries.

We offer property and liability coverage, workers' compensation insurance, commercial auto insurance, and more. Our experienced team who focus on the details will work with you to find coverage that meets the needs of you and your business.

Personal Insurance in Iowa

Personal Insurance in Iowa

FNIC is proud to provide a wide range of personal insurance offerings to protect you and your loved ones from life's uncertainties. Whether it's coverage for your first home or adding a second, our agents get to know you to understand your situation and goals.

Our personal coverage options include homeowners, renters, auto, RV, motorcycle, collectibles and more. We also offer umbrella coverage to provide additional protection beyond your primary policies. Our team will work with you and leading insurance companies to find you a solution with the price and protection you're looking for.

Farm &#38; Crop Insurance In Iowa

Farm & Crop Insurance In Iowa

At FNIC, we understand the importance of protecting your farm and crops in Iowa. That's why we offer comprehensive farm and crop insurance coverage to help safeguard your livelihood. 

Our farm insurance policies cover everything from livestock to equipment, buildings, and personal property. We also offer liability coverage to protect you in the event of accidents or injuries on your property. Crop insurance policies, such as multi-peril crop insurance and crop hail insurance, are designed to protect your investment in the event of crop losses due to weather events, pests, or disease. 

Surety Bonds in Iowa

Surety Bonds in Iowa

Our surety bonding division is here to help you secure the bonds you need to guarantee your performance and abidance with compliance and regulations. We understand the importance of protecting your investments and mitigating risks, and that's why our offerings are designed to provide security and peace of mind to bondholders.

We pride ourselves in our long-standing relationships with bonding companies to offer the value-added service you need to maximize your efficiency and profitability. We put our experience and knowledge to work for you, every step of the way.

Meet the Team in Iowa

Our dedicated team is comprised of passionate individuals who are deeply rooted in the communities we serve. Our experienced, friendly staff, brings a wealth of knowledge and they are committed to providing you with insurance solutions that work for you. We take pride in being your trusted insurance partner in Iowa, and beyond. Get to know the FNIC Colorado team, and feel free to reach out to us anytime.

The Iowa Team

Iowa Locations


201 S Division St. | P.O. Box 2670

Audubon, IA 50025

Phone: 712-588-7072

Mon-Thu: 8:00 AM - 3:00 PM

Fri: 8:00 AM - 4:00 PM


120 N. Elm St.

Avoca, IA 51521

Phone: 712-307-6363

Mon-Fri: By Appointment


1209 Broadway

Denison, IA 51442

Phone: 712-263-3193

Mon-Fri: 8:00 AM - 4:30 PM


407 Howland St. | P.O. Box 320

Emerson, IA 51533

Phone: 712-824-7273

Mon-Fri: By Appointment


2010 23rd St.

Harlan, IA 51537

Phone: 712-733-8499

Mon-Fri: By Appointment


105 N Main St. | P.O. Box 220

Kimballton, IA 51543

Phone: 712-572-1074

Mon-Fri: 8:00 AM - 3:00 PM


868 Main St.

Ocheyedan, IA 51354

Phone: 712-758-4023

Mon-Thu: 8:30 AM - 4:30 PM

Fri: 8:30 AM - 3:00 PM

Red Oak

1609 N Broadway

Red Oak, IA 51566

Phone: 712-623-8900

Mon-Fri: By Appointment


425 East St. | P.O. Box 279

Shelby, IA 51570

Phone: 712-544-5028

Mon-Fri: By Appointment


327 9th St | P.O. Box 152

Sibley, IA 51249

Phone: 712-758-4024

Fax: 712-589-4383

Mon-Thu: 8:00 AM - 4:30 PM

Fri: 8:00 AM - 3:00 PM


1015 South Grand Ave

Spencer, IA 51301

Phone: 712-262-8000 ext 1

Mon-Fri: 8:00 AM - 5:00 PM

Commerical Insurance

Commerical Insurance

Personal Insurance

Personal Insurance

Employee Benefits

Employee Benefits

Surety Bonds

Surety Bonds

Farm & Crop Insurance

Farm &#38; Crop Insurance

Meet the Iowa Team

Meet the Iowa Team

Connect with an Agent

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