Business Details
50+ Years
experience
Your Trusted Insurance Partner in Hutchinson, MN
Citizens Insurance Agency has served Hutchinson, MN since 1934 as an independent, full-service insurance provider. We specialize in delivering tailored insurance solutions for personal, commercial, and agricultural needs, leveraging access to multiple carriers to meet diverse client requirements. Our team of experienced agents prioritizes community relationships, offering local expertise and personalized service to protect clients' assets.We emphasize transparency, honesty, and long-term trust, ensuring clients receive coverage that aligns with their unique circumstances. With decades of experience, we remain committed to helping individuals and businesses navigate insurance complexities while maintaining a strong focus on customer satisfaction and community impact.
Services
Personal Insurance
Commercial Insurance
Ag/Farm Insurance
High Risk Insurance
Life Insurance
Auto Insurance
Homeowners Insurance
Recreational Vehicle Insurance
Commercial Property Insurance
Workers Compensation
Details
- Year established: 1934
Highlights and features
- We offer over 90 years of local insurance expertise in Hutchinson, MN.
- Our independent agency model provides access to multiple insurance carriers.
- Specialized coverage for unique needs including high-risk and agricultural policies.
- Community-focused approach with personalized service from experienced agents.
- Comprehensive protection for personal, commercial, and farm assets.
Associations and certifications
- Travelers Insurance
- Grinnell Mutual
Services
Personal Insurance
Protect personal assets including homes, vehicles, and life insurance policies. We offer tailored solutions for auto, home, and life insurance needs. Our agents help clients secure coverage that matches their lifestyle and financial goals.
Commercial Insurance
Customized insurance for businesses of all sizes. Coverage includes property protection, liability, workers compensation, and electronic data processing. We help companies safeguard assets and maintain operational continuity through comprehensive commercial policies.
Ag/Farm Insurance
Specialized insurance for agricultural operations. Protects against risks including crop loss, livestock issues, and equipment damage. Our policies address unique challenges faced by dairy farms, cash crop producers, and livestock operations.
High Risk Insurance
Solutions for challenging insurance scenarios. We provide coverage for high-risk auto, commercial ventures, and unique situations where traditional insurers may decline. Our multiple carrier partnerships enable access to specialized risk management options.
Life Insurance
Life insurance policies to protect loved ones and business interests. We offer term and permanent life insurance solutions that provide financial security for families and business succession planning needs.
People
Scott A. Decker
President
President with over 25 years of experience in insurance leadership. Specializes in strategic agency management and client relationship development.
Joyce L. Cripps
Insurance Agent, CIC, CISR
Certified insurance professional with 15 years of experience. Expertise in policy analysis and risk management solutions for individuals and businesses.
Betty Davis
Administrative Assistant, Insurance Agent
Experienced agent with 10 years of service. Provides administrative support and client assistance while maintaining insurance licensing credentials.
Juli Baumetz
Accounting Specialist
Manages financial operations with six years of accounting experience. Ensures accurate policy billing and financial record-keeping for client accounts.
Questions
What types of insurance does Citizens Insurance Agency offer?
We provide personal insurance (auto, home, life), commercial insurance, farm/agricultural policies, high-risk coverage, and recreational vehicle insurance.
Do you serve areas outside Minnesota?
Currently, we only provide insurance services within the state of Minnesota.
How do I determine appropriate liability coverage?
Your liability coverage should match your total assets. Consult with our agents to ensure adequate protection for your home, business, and savings.
Can I get insurance for unique situations?
Yes, we specialize in high-risk policies and unique coverage needs through multiple carrier partnerships.
What sets Citizens Insurance apart from other agencies?
Our local expertise, community focus, and independent agency model offering diverse carrier options distinguish us from competitors.
How often should I review my insurance policies?
Review policies every 2-3 years or after major life changes like marriage, new business ventures, or property purchases.
