Business Details
50+ Years
experience
Your Trusted Insurance Partner in Hutchinson, MN
Citizens Insurance Agency was established in Hutchinson, MN in 1934 as an independent, full-service insurance agency. We specialize in providing tailored insurance solutions for personal, commercial, and agricultural needs while maintaining a strong commitment to community values. Our team of experienced agents prioritizes building long-term relationships with clients through honesty, respect, and personalized service. With access to multiple insurance carriers, we offer diverse policy options to meet unique client requirements, including high-risk and specialty insurance scenarios. Our expertise spans auto, home, life, commercial property, workers' compensation, farm liability, and event insurance, among others.We emphasize proactive risk management to protect clients' assets before disasters occur. As a subsidiary of Citizen Bancshares, we combine local knowledge with comprehensive industry experience to serve Minnesota residents and businesses. Our office hours provide flexibility for appointments beyond standard business hours. We maintain transparency about policy limitations, clearly stating that our products are not FDIC-insured or guaranteed by financial institutions. Our legacy of service reflects our dedication to adapting insurance solutions for evolving client needs across generations.
Services
Personal Insurance
Commercial Insurance
Ag/Farm Insurance
High Risk Insurance
Life Insurance
Event Insurance
Bond Services
Recreational Vehicle Insurance
Umbrella Coverage
Electronic Data Processing Insurance
Details
- Year established: 1934
Highlights and features
- We offer over 90 years of combined insurance expertise through our experienced agents
- Our independent agency status provides access to multiple insurance carriers
- We specialize in high-risk and specialty insurance solutions others cannot offer
- Our team maintains industry certifications including Certified Insurance Counselor (CIC)
- We provide personalized service with deep understanding of Minnesota's insurance needs
Services
Personal Insurance
We provide comprehensive protection for personal assets including vehicles, homes, and recreational properties. Our policies cover auto, homeowners, life insurance, and umbrella liability solutions. With specialized high-risk options, we help clients secure coverage after being declined elsewhere.
Commercial Insurance
Our commercial insurance solutions protect businesses of all sizes with property coverage, workers' compensation, liability insurance, and electronic data processing protection. We offer customized policies for emerging markets and businesses with unique risk profiles.
Ag/Farm Insurance
We specialize in farm insurance covering dairy operations, cash crops, livestock, equipment, and property damage. Our policies address unpredictable agricultural risks including hail, water damage, and multi-peril scenarios for family farms and commercial operations.
High Risk Insurance
Our high-risk insurance options serve clients with challenging histories including multiple traffic violations, DUIs, or new business ventures. We provide auto, commercial, and event insurance solutions when standard providers cannot offer coverage.
Event Insurance
We offer event insurance for weddings, fairs, and public gatherings that covers liability risks and unexpected cancellations. Our policies protect organizers from financial losses due to accidents, weather disruptions, or other unforeseen circumstances.
People
Scott A. Decker
President
With over 25 years of insurance experience, Scott leads our agency in providing strategic insurance solutions while maintaining our commitment to personalized service and community values.
Joyce L. Cripps
Insurance Agent
As a certified insurance professional with CIC and CISR designations, Joyce brings over 15 years of expertise in helping clients find comprehensive coverage solutions tailored to their specific needs.
Betty Davis
Administrative Assistant
With a decade of service, Betty combines insurance agent qualifications with administrative expertise to ensure smooth policy processing and exceptional client support for all insurance inquiries.
Juli Baumetz
Accounting Specialist
Juli manages financial operations with six years of experience in insurance accounting, ensuring accurate policy administration and supporting our commitment to transparent business practices.
Questions
What types of insurance do you offer?
We provide personal insurance (auto, home, life), commercial insurance (property, liability, workers' comp), ag/farm insurance, high-risk policies, and specialty coverage for events and bonds.
Can you help with high-risk insurance situations?
Yes, as an independent agency we specialize in finding coverage for high-risk clients who have been declined by other providers, including those with multiple violations or unique business risks.
Do you serve businesses outside Hutchinson?
While based in Hutchinson, MN, we serve clients throughout Minnesota with personalized insurance solutions for businesses and individuals requiring specialized coverage options.
How do you handle insurance claims?
We provide direct support through our local agents who assist with claim filing and follow-up, leveraging our relationships with multiple carriers to ensure timely resolution of claims.
Are your insurance products FDIC insured?
No, insurance products are not FDIC insured or guaranteed by financial institutions. We clearly disclose this information to ensure complete transparency about policy protections.
