An independent agency in Maplewood, Minnesota.

We are appointed with multiple carriers rather than employed by one, so the policy you end up with is chosen for the risk, not for the logo.

That matters most in the lines we specialize in. Production, media and professional risks are written by a short list of carriers, and the forms differ in ways that matter at claim time. Knowing which carrier wants which risk, and what each form leaves out, is the work.

For standard business and personal lines, the same approach applies: we compare carriers on the coverage first and the price second, and we tell you what we would change and what we would leave alone.

An independent agency represents many insurance companies. We are clear about which side of the table we sit on: yours.

We hold ourselves to a fiduciary standard with our clients. We act in your interest, not the carrier's, and we keep looking for the outcome that serves you: at placement, at renewal, when a certificate is due in an hour, and when a claim is on the line. If a company we represent is not the right fit, we say so and look elsewhere.

That is what we mean by concierge. One agent who knows your account, answers when you call, and does the chasing so you do not have to.

How we handle fees

Most of our work is paid for through commission from the insurance company. Where an agency fee applies, it is usually tied to a direct cost, such as a motor vehicle record check or a credit card processing charge, and it helps us maintain the service and the range of products we offer. When one applies, you can expect this:

• It is stated clearly in your proposal before you decide, and you agree to it first.
• It appears as its own line on your invoice, described in plain words.
• Fees are charged only where state law permits them.
• Fees are never charged on personal insurance such as auto, home or umbrella.

We would rather explain a fee up front than have you find one later.

Businesses that make films, campaigns and content or give advice, and the households behind them.

Production companies, agencies, studios and professional firms come to us for the specialty lines. Many of their owners then bring their home, auto and umbrella, because we already know where the business and the household overlap. We also work with households that come to us directly, and with the accountants, attorneys and advisors who refer them.