Maxwell & Bowar contact information

Insurance Options

We offer a variety of insurance options and will assist you in finding the best policy to suit your
specific needs.

Crop Insurance

To better serve our local producers, MBA provides access to the latest plans available in crop insurance and grain marketing programs.

arrow buttonCrop

Recognized in 1997 by the Farmers Alliance, MBA was selected as the first “pilot” crop insurance agency in the United States to help develop and expand field mapping through satellite imagery, digital ortho-quads and aerial photography. The mapping program gives crop adjusters access to mapped acreage reports for fast and efficient claims processing.

We also provide these helpful services and resources:

  • Annual update meetings and newsletters
  • Review of coverage options
  • In-house mapping services
  • Processing all acreage and production forms
  • Weather Bill
  • F-Pad
  • Grainbridge

For more information about crop insurance coverage or crop record keeping, click here.

arrow buttonCrop Hail

One of the latest hail plans available is Production Hail which blends MPCI coverage with hail coverage to protect portions of your crop that is unprotected by the MPCI policy alone.

The traditional hail policy is dollar-per-acre coverage and may include some additional coverages such as fire, lightening, vandalism, transit and stored grain.

Our most commonly used hail policies are:

  • Basic (no deductible)
  • DDA (10% deductible that disappears after a 25% loss)
  • DDB (20% deductible that disappears after a 40% loss)
  • DDC (30% deductible that disappears after a 55% loss)

For more information about hail insurance and coverage, click here.

Personal Insurance

Proper insurance coverage can provide you with a peace of mind. At MBA, we’ve got your insurance needs covered, and your peace of mind is our top priority.

arrow buttonAuto

We have nine different auto carriers that you can count on.

South Dakota Residents Only

  • Progressive
  • DeSmet Farm Mutual
  • 1st Auto
  • Allied
  • Employers Mutual Company
  • State Auto
  • North Star
  • Western National

For more information about personal insurance and coverage, click here.

arrow buttonHomeowners

Your home is one of your most valuable assets. At MBA, we can help find the right policy for your individual needs.

We work with the following homeowner carriers (South Dakota Residents Only):

  • Allied
  • DeSmet Farm Mutual
  • Employers Mutual Company
  • Farmers Alliance
  • State Auto
  • North Star
  • Western National

For more information about homeowners insurance and coverage, click here.

arrow buttonFarm

If you are like most farmers, much of what you own is invested in your farming operation. How would an unexpected major expense affect your family, your business, or your employees? A farm insurance policy can improve your ability to recover from potential loss or damage, while allowing you to continue doing the work you love.

We represent six farm carriers, four of which are in the top ten according to volume in South Dakota:

  • DeSmet Farm Mutual
  • North Star Mutual
  • Allied
  • State Auto
  • Farmers Alliance
  • German Mutual

For more information about farm insurance and coverage, click here.

arrow buttonUmbrella

Personal umbrella policies provide coverage that protects your farm, home, property and assets when your underlying insurance coverage is exhausted. Umbrella policies contain high-limit liability coverage ($1,000,000 up to $5,000,000) for your needs.

For more information about umbrella insurance, click here.

arrow buttonRecreational Vehicles

MBA represents carriers that provides recreational vehicle insurance for your RV’s, ATV’s, motorcycles, snowmobiles, boats and motor homes.

For more information about umbrella insurance, click here.

Commercial Insurance

Commercial insurance through MBA can provide valuable protection against such things as theft, property damage, and liability. It can also provide coverage for business interruption and employee injuries.

We represent a variety of companies that specialize in different markets:

  • Allied Insurance Group.
  • Continental western Insurance Group.
  • Employers Mutual Companies.
  • North Star Mutual Insurance Company.

MBA has access to “special needs” through independent brokerage markets, for things such as special events and “hard-to-place” businesses.

An example of a few markets we insure include:

  • Public Entities (City, School and Community).
  • Contractors.
  • Mechanics.
  • Auto Repair.
  • Restaurants.
  • Bars.
  • Beauticians.
  • Sanitation Services.
  • Business Offices.
  • Florists.
  • Hardware Stores.

arrow buttonCommercial Auto

Commercial Auto Insurance through MBA provides coverage for your commercial vehicle(s) from truck liability to motor truck cargo at a competitive rate.

For more information about commerical auto insurance, click here.

arrow buttonCommercial Property

From computers and paperwork to accounts receivable, commercial property insurance through MBA can cover your owned-business property.

For more information about commerical property insurance, click here.

arrow buttonCommercial Umbrella

Protect your business in the event of a serious claim with commercial umbrella insurance through MBA. Umbrella policies provide protection over your commercial auto, general liability and other liability policies.

Design your own group medical, dental, life and disability insurance plans for your employees. At MBA, we will sit down with you to find the right policies for your business.

Provide coverage for your employees in the event of an injury on the job site through temporary and permanent disability coverage.

Commercial bonds are designed to make your business run smoothly. Bonds can help ensure you are paid if promised services are not delivered or if an employee embezzles funds. MBA can assist you with all your bonding needs, from small commercial bonds to multi-million dollar commercial and contracts bonds.

For more information about commerical umbrella insurance, click here.

Life & Health Insurance

From individuals and families to small or large businesses, MBA is committed to providing you with the best value in life and health insurance.

Life: Life insurance helps protect what matters most: your loved ones. Specifically, life insurance can address the needs of those who depend on you for financial support. A life insurance policy will protect the financial security you have worked hard to earn for the people you care about most.

We use an insurance brokerage to have access to over twenty life insurance carriers. Click below to see how much your life insurance would cost you.

MBA can tailor health insurance plans for the following:

  • Individual
  • Family
  • Group
  • Short-term

arrow buttonMedicare Supplement

Medicare Supplement Insurance (Medigap) is health insurance coverage that will pay benefits for services not covered under the government’s basic public assistance Medicare plan.

Medigap plans may also provide coverage for prescription drugs.

For more information about medicare supplement insurance, click here.

arrow buttonLong-Term Care (LTC)

Help cover the costs of long-term care services that are not covered by traditional health insurance or Medicare. These services include in-home care (such as assisted living) as well as care in a variety of facility and community living arrangements.

For more information about Long-Term Care (LTC) Insurance, click here.

arrow buttonAnnuities

An annuity is a long-term, tax-deferred investment designed for retirement. Earnings are taxable as ordinary income when distributed and, if withdrawn before age 59½, may be subject to a 10% federal tax penalty. Variable annuities involve investment risks and may lose value.

For more information about Annuities, click here.

Request an Online Quote

Click to email MBA
for an insurance proposal.

Contact Us
  • Parkston Office
  • p. 605-928-7956
  • 114 E. Main Street.

  • Ethan Office
  • p. 605-227-4215
  • 107 E. Main St.