Business Details
15 Years
experience
Trusted Insurance Solutions in Forest Lake, MN
We are an independent insurance agency serving the Minneapolis-St. Paul metro region and Colorado Springs. Since 2011, our team has dedicated itself to helping families and businesses protect their most important assets through innovative insurance strategies. With over 80 years of combined experience, we collaborate with more than 70 top-tier insurance companies to provide comprehensive coverage options tailored to our clients' unique needs. Our team of 10 licensed professionals is committed to offering personalized service that prioritizes client interests above all else. We take pride in our ability to deliver cost-effective solutions while maintaining the highest standards of integrity and professional conduct.Our proven track record and client testimonials demonstrate our unwavering commitment to exceptional service and customer satisfaction. As a proud member of Atlas Insurance Brokers, LLC, we maintain strong industry partnerships that benefit our clients directly. Our approach combines deep industry expertise with a focus on finding the best possible coverage at competitive rates. We continuously strive to exceed expectations through our responsive service and thorough understanding of insurance products. Our legacy of trust and reliability has been built through decades of consistently placing client needs at the forefront of our operations.
Services
Car Insurance
Home Insurance
Boat Insurance
Health Insurance
Life Insurance
Motorcycle Insurance
RV Insurance
Commercial Auto
General Liability
Workers Compensation
Details
- Year established: 2011
Highlights and features
- We partner with 70+ top insurance companies for optimal rate comparisons
- 80+ years of combined experience protecting personal and commercial assets
- 10 dedicated licensed insurance professionals serving MN and CO clients
- Proven track record of saving clients money through competitive market analysis
- Member of Atlas Insurance Brokers, LLC for enhanced industry resources
What people say
Saved us money
Professional and friendly
Responsive service
Extremely thorough
Best insurance experience
Services
Car Insurance
We provide comprehensive car insurance solutions tailored to individual driver profiles and vehicle specifications. Our independent agency model allows comparison shopping across 70+ top-rated insurers to find optimal coverage for personal and commercial vehicles. With specialized expertise in factors affecting insurance rates, we help clients secure affordable premiums while maintaining adequate protection for their automotive investments.
Home Insurance
Our home insurance specialists create customized policies to safeguard residential properties against common risks. Through strategic partnerships with multiple carriers, we secure competitive rates for standard homeowners policies while offering specialized coverage for unique property features. Our approach considers location-specific factors and personal asset values to ensure comprehensive protection against potential losses.
Commercial Insurance
We develop tailored insurance programs for businesses of all sizes, addressing specific industry risks and regulatory requirements. Our commercial offerings include general liability, property insurance, workers compensation, and specialized coverages for restaurants and other businesses. With extensive experience across multiple sectors, we create comprehensive risk management strategies that protect commercial assets while optimizing premium costs.
Life Insurance
Our life insurance solutions provide financial security for clients' loved ones through term and permanent policy options. We help clients determine appropriate coverage amounts based on income replacement needs, outstanding debts, and future obligations. By evaluating multiple providers, we ensure competitive pricing while maintaining policy stability and long-term value for this critical protection component.
Boat Insurance
We offer specialized insurance for recreational and commercial watercraft, addressing unique risks associated with boat ownership. Our policies cover physical damage, liability protection, and emergency assistance for various vessel types. Through expert knowledge of maritime insurance requirements, we secure comprehensive protection that exceeds basic liability minimums while remaining cost-effective for seasonal watercraft users.
People
Tom Carney
President / Agent
Founded Carney Insurance Services in 2011 after 17 years in the industry. He specializes in matching clients with optimal insurance solutions through strategic carrier selection. His 30+ years of insurance expertise focus on protecting personal and commercial assets through comprehensive coverage strategies.
Questions
What types of insurance do you offer?
We provide personal insurance (auto, home, boat, life) and commercial insurance (liability, property, workers comp) for Minnesota and Colorado clients through 70+ carriers.
How can you help me save money on insurance?
By comparing rates across 70+ insurance companies, we find competitive pricing while maintaining appropriate coverage levels tailored to your specific risk profile and needs.
Are you available for emergency insurance needs?
For urgent claims outside regular business hours, we provide direct contact information for our insurance partners to ensure timely assistance with urgent matters.
Can you help with specialized business insurance?
Yes, we have experience placing specialized coverage including restaurant insurance and commercial property policies with appropriate carriers for unique business requirements.
What areas do you serve?
We primarily serve the Minneapolis-St. Paul region and Colorado Springs area, providing both personal and commercial insurance solutions to clients in these locations.
How do you differ from direct insurance companies?
As an independent agency, we represent clients' interests by comparing options across multiple carriers rather than pushing products from a single insurance provider.
Reviews (4)
Jessica Hansen
Dec 12, 2021
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Positive:Professionalism,Quality,Responsiveness
We recently moved and had a few questions come up about to to get everything on our account switched over. Angie helped us out and was amazing! She went above and beyond what we asked of her and made the transition process smooth and painless. Very satisfied customers here!!
We recently moved and had a few questions come up about to to get everything on our account switched over. Angie helped us out and was amazing! She went above and beyond what we asked of her and made the transition process smooth and painless. Very satisfied customers here!!
Hongspa
Oct 01, 2021
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Positive:Professionalism,Quality
Having the Foundation of a Good Insurance Co. that addressed our needs of Douglas Chapel. On personal level Solid. Great Staff, Confidence in their Commitment to look out for my Needs Thanks.
Having the Foundation of a Good Insurance Co. that addressed our needs of Douglas Chapel. On personal level Solid. Great Staff, Confidence in their Commitment to look out for my Needs Thanks.
Cindi G.
Sep 27, 2021
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Positive:Professionalism,Responsiveness,Value
We made the switch last year from one of the major insurance agencies to Carney. Definitely do not regret our decision! They respond right away when we have a question or a new need, many times actually answering their phones and getting our needs met right away! Highly recommend Carney insurance!!
We made the switch last year from one of the major insurance agencies to Carney. Definitely do not regret our decision! They respond right away when we have a question or a new need, many times actually answering their phones and getting our needs met right away! Highly recommend Carney insurance!!
Larry Mickelson
Sep 01, 2021
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After being with the same insurance company and agent for over 15 years, we decided we should check around and see how our current coverage and premiums stacked up. Our insurance policies included two vehicles, our primary home in Minnesota, a home in Arizona which we use and rent out, and an umbrella policy.
Sarah V. worked with us and noticed gaps in our coverage. Long story short, we were able to have better coverage (our coverage on the AZ home was for about $100,000 less than it should have been) and saved us money. That's a good deal! I gave the agent we had the opportunity to review out
Sarah V. worked with us and noticed gaps in our coverage. Long story short, we were able to have better coverage (our coverage on the AZ home was for about $100,000 less than it should have been) and saved us money. That's a good deal! I gave the agent we had the opportunity to review out
