Business Details
44 Years
experience
Your Trusted Minnesota Insurance Agency for Business & Personal Coverage
Founded in 1982, we have grown into a full-service independent insurance agency serving small businesses and individuals across Minnesota. Our expertise lies in matching client needs with cost-effective coverage solutions from over 40 premier insurance carriers. We prioritize long-term relationships built on trust, transparency, and exceptional service. Our team of professionals provides expert guidance to help clients make informed decisions about their insurance needs. With decades of experience and a commitment to leveraging cutting-edge technology, we guarantee satisfaction through personalized support and competitive pricing. 
Services
Business Owners Policy
Commercial Auto Insurance
General Liability Insurance
Workers Compensation Insurance
Liquor Liability Insurance
Restaurant Insurance
Tow Truck Insurance
Homeowners Insurance
Car Insurance
Boat Insurance
Details
- Year established: 1982
Highlights and features
- We offer 24-hour turnaround on insurance quote requests.
- Our team works with 30+ top-rated insurance carriers to find you the best rates.
- We specialize in coverage for unique Minnesota businesses like tow trucks and craft breweries.
- Our agents have decades of combined experience in the insurance industry.
- We provide personalized service with no hidden fees or surprises.
What people say
Excellent service
Helpful and easy to work with
Significant savings
Prompt claims handling
Professional expertise
Services
Business Insurance
We provide comprehensive business insurance solutions tailored to Minnesota companies' unique needs. Our coverage protects against property damage, liability claims, and workplace injuries while complying with state requirements. With access to multiple carriers, we help businesses find cost-effective policies that safeguard their operations and assets.
Auto Insurance
Our auto insurance policies meet Minnesota's minimum coverage requirements while offering optional protections like comprehensive and collision coverage. We compare rates from 25+ carriers to help drivers find affordable premiums based on their vehicle type, driving history, and location.
Homeowners Insurance
We offer homeowners insurance covering property damage, personal liability, and loss of use. Our policies protect against common risks like fire, theft, and weather damage while providing customizable options for unique needs such as water backup coverage and replacement cost settlements.
Workers Compensation
Minnesota law requires workers' compensation insurance for businesses with employees. We help companies obtain coverage that protects against workplace injury costs while offering specialized solutions like ghost policies for subcontractors. Premiums are calculated based on payroll and industry risk factors.
Boat Insurance
Our boat insurance policies protect against water-related risks including collisions, theft, and weather damage. Coverage includes liability protection, hull insurance, and trailer coverage while providing optional add-ons for specialized watercraft and accessories.
People
Richard S. McIntosh
President
With over 40 years of insurance experience, Rick McIntosh has served Minnesota businesses and individuals since 1982. He specializes in commercial risk management and personal insurance solutions while maintaining strong relationships with top-rated carriers.
Questions
What types of business insurance do you offer?
We provide general liability, workers' compensation, commercial auto, liquor liability, and specialized coverage for industries like construction, hospitality, and transportation.
Do you offer personal insurance policies?
Yes, we offer auto, home, motorcycle, boat, life, and renters insurance with coverage options tailored to Minnesota residents' needs.
How quickly can I get an insurance quote?
We provide quotes within 24 hours of request using our comparative rater that analyzes 30+ insurance carriers simultaneously.
Are you licensed to sell insurance in Minnesota?
Yes, we're licensed in Minnesota and work with both national carriers and regional companies like North Star Mutual and RAM Insurance.
Can I pay insurance premiums in installments?
We offer flexible payment options including monthly installments, one-month down payments, and paid-in-full discounts.
Videos
Reviews (4)
Wendy Haney
Jun 14, 2022
Report
I can't recommend this company more. They have been there to meet every insurance request I have made and as small business owner, this has been A LOT of requests. They are so friendly and easy to work with. They are very patient when I have questions and just great to work with!
Philip Campbell
Jun 12, 2022
Report
I spent 2 weeks shopping around insurance co. looking for agents that understood a specialized Workman's Comp. package that I needed for my LLC. These guys totally get me, and my need. Appreciate the business keep it up. I'm sending others your way.
R. Ronchak
Apr 27, 2022
Report
Rick McIntosh has been a tremendous help through the process. He has made it simplified and streamlined. He gets the work done quick and is always very friendly. Highly recommend his service
John Parker
Feb 19, 2022
Report
It is nice to know that I can always count on Rick and his crew! Today Rick got me the perfect insurance I needed for my new dump truck and Cory took excellent care of my classic car insurance. The knowledge, experience and customer service is second to none with Insuring Minnesota. Thank you, John Parker
