Business Details
50+ Years
experience
Your Trusted Insurance Partner in Hutchinson, MN
Citizens Insurance Agency has been serving Minnesota residents since 1934, providing comprehensive insurance solutions tailored to individual and business needs. As an independent agency, we offer access to multiple insurance providers, ensuring clients receive optimal coverage options. Our team of experienced professionals specializes in personal, commercial, and agricultural insurance, with particular expertise in high-risk and specialty policies. We maintain strong relationships with industry leaders like Travelers Insurance and Grinnell Mutual, while prioritizing local community needs. Our commitment to personalized service extends beyond policy sales, focusing on long-term client relationships built on trust and understanding.With over 90 years of operational history, we combine deep industry knowledge with modern insurance solutions. Our agency's values emphasize honesty, respect, and community investment, ensuring clients receive both competitive pricing and exceptional support. We maintain transparent operations, clearly communicating that our products are not FDIC-insured or bank-guaranteed. Our physical presence in Hutchinson, MN, combined with flexible appointment scheduling, ensures accessible service for all clients.
Services
Personal Insurance
Commercial Insurance
Ag/Farm Insurance
High Risk Insurance
Specialty Insurance
Details
- Year established: 1934
Highlights and features
- We offer over 90 years of combined insurance experience in Minnesota
- Our independent agency status provides access to multiple insurance providers
- Specialized expertise in high-risk and specialty insurance solutions
- Community-focused approach with local decision-making authority
- Experienced team maintains active participation in industry scholarship programs
Services
Personal Insurance
We provide comprehensive personal insurance solutions protecting homes, vehicles, and life assets. Our offerings include auto, homeowners, recreational vehicle, and umbrella coverage options. With access to multiple carriers, we help clients find policies matching their specific needs while maintaining competitive pricing and personalized service.
Commercial Insurance
Our commercial insurance services protect businesses of all sizes with property, liability, workers' compensation, and specialized coverage options. We offer electronic data processing protection and commercial umbrella policies. Our experienced agents understand diverse industry needs, from small family operations to large corporations, ensuring comprehensive risk management solutions.
Ag/Farm Insurance
We specialize in agricultural insurance protecting dairy operations, cash crops, livestock, and equipment. Our policies address fire, water damage, hail, and multi-peril scenarios. With deep understanding of farming risks, we help both small family farms and large commercial operations maintain financial stability against unpredictable agricultural challenges.
High Risk Insurance
Our high-risk insurance solutions serve clients with complex histories including multiple violations or new business ventures. We offer auto coverage for drivers with past incidents and commercial policies for emerging markets. Our independent agency status provides access to specialized carriers that traditional insurers might decline to cover.
Specialty Insurance
We provide specialty insurance for events, bonds, and unique situations requiring customized solutions. Our offerings include coverage for fairs, weddings, and public events, along with bonding options for special circumstances. Our agents work closely with clients to develop tailored policies addressing non-standard insurance requirements.
People
Scott A. Decker
President
With over 25 years of insurance experience, Scott leads our agency's strategic direction while maintaining active client relationships. He ensures our commitment to community values aligns with modern insurance practices.
Joyce L. Cripps
Insurance Agent, CIC, CISR
As a certified insurance professional with over 15 years of service, Joyce specializes in policy analysis and client education, helping individuals and businesses understand complex coverage options.
Betty Davis
Administrative Assistant, Insurance Agent
With a decade of experience, Betty provides essential support to our agents while maintaining direct client relationships through policy administration and customer service functions.
Juli Baumetz
Accounting Specialist
Juli manages financial operations with precision, ensuring accurate policy processing and maintaining our agency's financial integrity since joining in 2016.
Questions
What types of insurance do you offer?
We provide personal, commercial, agricultural, high-risk, and specialty insurance including auto, home, business property, and event coverage options.
Can you help with high-risk insurance situations?
Yes, as an independent agency we access specialized carriers to provide coverage for high-risk auto, commercial ventures, and unique insurance needs.
Are you affiliated with local organizations?
We actively support community initiatives like the Grinnell Mutual Road To Success Scholarship program for local students.
Do you serve areas beyond Hutchinson?
While based in Hutchinson, we serve clients throughout Minnesota with both in-person and remote insurance services.