NI Holdings is a property and casualty insurance holding company operating through regional subsidiaries that provide personal lines (auto and homeowners), farmowners, crop, and commercial insurance primarily in upper Midwest and selected Western states. The company generates premium revenue from five segments: home and farm coverage, private passenger auto, crop insurance (including federal multi-peril policies), non-standard auto (being wound down), and other commercial and reinsurance products. NI Holdings distributes through exclusive captive agents in North Dakota (where Nodak Insurance holds leading farmowners and crop insurance market share) and independent agents in surrounding states, with its growth strategy focused on the North Dakota Farm Bureau relationship, agent expansion with digital tools, underwriting discipline, and selective acquisitions.