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The Kilmer Group

Helping You Reach Your Goals

Providing insurance and risk management solutions throughout Pennsylvania for over 50 years.

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3rd Generation Agency

Helping our clients meet their goals since the 1960’s

We were the 7th member to join Keystone Insurers Group

Giving you additional resources and expertise

We have been specializing in Public Entity for over 30 years

We have relationships with over 130 entities in Pennsylvania

We have been serving farm clients for over 50 years

Our Agriculture program is one of the largest programs in Northeastern PA

About The Kilmer Group

Three generations of the Kilmer family have provided risk management, business and personal insurance, employee benefits and bonding to business owners, farm owners, local governments, individuals and families throughout Northeast Pennsylvania including communities such as Wyalusing, Sayre, Wilkes Barre, Williamsport and Tunkhannock.

Our personal insurance and small business division are still looking after the insurance needs of local clients as we have for three generations. We are a leader in many specialized fields of insurance, including farm and agribusiness, public entity, trucking, oil and gas, group employee benefits, home, auto, umbrella and flood.

Our Mission

To be the best regional provider of Risk Management, Insurance and Employee Benefits to a growing number of long term clients, by doing more than clients expect, helping our staff to develop, giving back to our communities and ultimately helping our clients more effectively reach their own business goals.

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Header - Farm Insurance PA

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Farm Insurance

Focus on your farm. We have you covered.

Risk Management

Mitigating your risk is of high importance and should be left to professionals.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Employee Benefits

Attract, retain and protect your team.


The Kilmer Group + Keystone

We are proud members of Keystone Insurers Group.

Agency Strength
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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.

There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

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