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Independent insurance for Wisconsin and Minnesota — one broker, dozens of carriers, no runaround.
New Richmond, WI | St. Louis Park, MN | Licensed in Wisconsin, Minnesota & Iowa
Why Independent Makes All the Difference
A captive agent works for one company. That means one set of rates, one set of products, and no real way to know if you're getting a fair deal. We work differently.
As an independent agency, we shop your coverage across dozens of carriers at once — comparing rates and policy terms side by side so you can see exactly what you're getting and why. Whether you're insuring your home, your business, or your family's future, you deserve options, not a take-it-or-leave-it quote.
And when something comes up — a claim, a question, a change to your policy — you reach the same person every time. Not a call center. Not a different rep each time you call. Just us.
Coverage for Every Part of Your Life
Personal Insurance
Auto, home, motorcycle, boat, recreational vehicles, landlord properties, and more. We compare rates across multiple carriers to make sure your personal coverage fits your life and your budget.
Life Insurance
Term, whole, and universal life policies from carriers we've vetted and trust. We help you sort through the options without the pressure, so you can make a decision that's right for your family.
Commercial Insurance
Business owners policies, general liability, workers' comp, commercial auto, cyber liability, and more. We work with small businesses across the St. Croix Valley and Twin Cities to build coverage that holds up when it matters.
Serving Western Wisconsin, the Twin Cities, and Beyond
Our two offices in New Richmond, WI and St. Louis Park, MN put us close to the communities we serve. We work with clients across the greater Twin Cities metro, the St. Croix Valley, Hudson, and Eau Claire — and we're licensed to serve clients throughout Iowa as well.
Whether you come in, call, or text, you'll reach a real person who knows your name and your policy.
We serve clients in New Richmond, Hudson, and Eau Claire in Wisconsin, and across the Twin Cities metro from our St. Louis Park office.
Dozens of Carriers. One Trusted Broker.
We work with a wide network of A-rated personal and commercial carriers so we can find the right fit for your situation — not just the easiest option to sell. Here’s a small sampling of our carrier partners. As an independent agency, we can quote far more companies than you see here, so ask us about your current carrier or one you’ve heard good things about.
Common Questions About Working With an Independent Insurance Agent
What does it mean that you're an independent agency?
It means we're not tied to any single insurance company. We work with dozens of carriers and compare their rates and coverage options on your behalf. You get a real side-by-side comparison instead of one company's pricing presented as if it's your only choice.
How is Smart Stop Brokers different from a captive agent?
A captive agent represents one carrier and can only offer that company's products. We represent many carriers, which means we can shop your coverage across the market and recommend what actually fits — not just what's available from one source.
Do you serve clients outside of New Richmond and St. Louis Park?
Yes. We work with clients across western Wisconsin, the greater Twin Cities metro, and throughout Iowa. If you're not near one of our offices, we can handle everything by phone, text, or online — whatever works best for you.
Can I reach you when I have a claim?
Yes. We provide hands-on claims support and stay involved through the process. You won't be handed off to a generic claims line — you'll work with the same broker who set up your policy.
How do I get started?
You can request a quote online, call or text us directly, or stop into either office. We'll ask a few straightforward questions and get back to you with real options from multiple carriers.
Ready to See What You've Been Missing?
Most people haven't compared their rates in years. A quick conversation could change what you're paying — and what you're covered for.
