New Richmond's Independent Insurance Agency
We're based right here in New Richmond — and we work with dozens of carriers to find coverage that fits your life, your property, and your business.
New Richmond, WI | St. Louis Park, MN | Licensed in Wisconsin, Minnesota & Iowa
Local Roots, More Carrier Options
Smart Stop Brokers opened its doors in New Richmond in 2016, and this is where we do most of our work. As an independent insurance broker in the St. Croix Valley, we're not tied to a single company's product line. That means when you need auto, home, life, or commercial coverage, we compare rates across a wide range of carriers and bring you the options that make sense — not the only one we're allowed to offer.
Whether you're a homeowner in New Richmond, a small business owner in the St. Croix Valley, or a landlord with a rental property across the river, you'll work directly with one broker from quote through claims. No transfers, no call centers, no starting over with someone new.
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.
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.
What It Means to Work with an Independent Broker
An independent insurance agent in New Richmond, WI isn't loyal to a single carrier — we're loyal to you. That distinction matters more than most people realize until they need to file a claim or their renewal comes back higher than expected.
- We shop your coverage across dozens of carriers, not one.
- We've been in this industry for 17+ years and have seen how different carriers handle claims, rate changes, and renewals.
- We stay with you after the sale — for policy questions, claims guidance, and annual coverage reviews.
- You reach us directly by phone or text. No hold queues, no ticketing systems.
Frequently Asked Questions
Is Smart Stop Brokers located in New Richmond, WI?
Yes. Our New Richmond office is our headquarters, and it's where we serve the majority of our St. Croix Valley clients. We also have an office in St. Louis Park, MN for clients on the Minnesota side of the metro.What's the difference between an independent insurance agent and a captive agent?
A captive agent works for one insurance company and can only offer that company's products. As an independent broker, we work with dozens of carriers and compare options across all of them to find coverage that fits your situation and budget.What types of insurance can I get through Smart Stop Brokers in New Richmond?
We handle personal lines — auto, home, motorcycle, boat, recreational vehicle, landlord, and vacant property — as well as life insurance and commercial coverage for small businesses. If you're not sure what you need, we're happy to walk through it with you.How do I get a quote from an insurance agent near me in New Richmond, Wisconsin?
You can request a quote online, call or text us directly, or stop by the office. We'll ask a few questions, compare rates from our carrier network, and walk you through your options.
Talk to a Local Broker — Not a Call Center
If you've been with a captive carrier for years or you've never worked with an independent agency before, we're a straightforward conversation away. Reach out by phone, text, or through our quote form and we'll get back to you the same day.