Business Details
50+ Years
experience
Your Trusted Insurance Partner in Elbow Lake, MN
Ellis Insurance is an independent insurance agency based in Elbow Lake, MN, serving clients across Minnesota, North Dakota, and Arizona. Founded in 1945 and rebranded as Ellis Insurance in 1997, the agency combines decades of industry experience with a commitment to personalized service. Our team specializes in delivering tailored insurance solutions for personal, commercial, life, health, farm, and crop insurance, prioritizing transparency, integrity, and client-focused support.Licensed in three states, we represent multiple carriers to provide quality coverage at competitive prices. With a focus on understanding local community needs, we offer expertise in home, auto, umbrella, Medicare, employee benefits, and business insurance, including specialized coverage for unique risks. Our staff, including Dean Ellis (agent since 1982) and experienced team members, ensures clients receive comprehensive guidance and support for all insurance needs.
Services
Home Insurance
Auto Insurance
Umbrella Insurance
Medicare Plans
Employee Benefits
Business Owners Insurance
Farm Insurance
Contractor Insurance
Non-Profit Insurance
Restaurant Insurance
Details
- Year established: 1945
Highlights and features
- We have over 30 years of experience in the insurance industry.
- We offer independent agency flexibility with multiple carrier options.
- We provide personalized insurance solutions tailored to client needs.
- Our team delivers knowledgeable service with local market expertise.
- We prioritize trusted relationships through transparent communication.
Services
Home Insurance
Home insurance protects your residence and belongings against risks like fire, water damage, and liability claims. We offer policies with replacement cost coverage, personal property protection, and additional living expense coverage to ensure comprehensive safeguards for homeowners. Our solutions address unique risks including collector cars, wine collections, and secondary homes while emphasizing policy customization for Minnesota, North Dakota, and Arizona residents.
Business Owners Insurance
Business owners insurance combines property and liability coverage to protect commercial enterprises. Our policies address risks like general liability, workers' compensation, cyber liability, and business income loss. Tailored for Minnesota, North Dakota, and Arizona businesses, we provide coverage for farm operations, contractors, restaurants, and nonprofits with options for directors' liability and commercial umbrella policies.
Medicare Plans
Medicare solutions include General Medicare, Advantage Plans, Part D prescription coverage, and dental/vision/hearing plans. We help Minnesota seniors navigate options for comprehensive healthcare coverage with personalized guidance on hospital indemnity and supplemental insurance to address gaps in standard Medicare policies.
Auto Insurance
Auto insurance covers personal and commercial vehicles against collision, comprehensive damage, and liability claims. Our Minnesota, North Dakota, and Arizona policies include bodily injury liability, uninsured motorist coverage, and rental reimbursement. We specialize in coverage for standard vehicles, collector cars, and business auto fleets with options for physical damage protection.
Employee Benefits
Employee benefits packages include group health, dental, vision, life, and disability insurance. We help Minnesota, North Dakota, and Arizona employers create competitive benefit plans with voluntary options and compliance support. Our solutions address small to mid-sized businesses' needs for affordable, tax-deductible coverage that attracts and retains talent.
People
Dean Ellis
Owner / Agent
Dean Ellis has served as an insurance agent since 1982, bringing extensive industry expertise to Ellis Insurance. He purchased Sherwood Insurance Agency in 1997, transforming it into the current independent agency. His leadership focuses on client-centric service and multi-carrier solutions.
Larry Martini
Owner / Agent
Larry Martini joined Ellis Insurance in 2018, contributing to the agency's growth as a licensed agent. He works with clients to develop personalized insurance strategies across personal and commercial lines in Minnesota, North Dakota, and Arizona.
Vicki Ellis
Owner / Accounting
Vicki Ellis manages accounting operations at Ellis Insurance, ensuring financial accuracy and client billing efficiency. Her administrative expertise supports the agency's 30+ year legacy of providing independent insurance solutions across three states.
Questions
What insurance services does Ellis Insurance offer?
We provide home, auto, umbrella, Medicare, employee benefits, business owners, farm, contractor, nonprofit, restaurant, and school insurance across Minnesota, North Dakota, and Arizona.
How can I file an insurance claim?
Contact our Elbow Lake office at 218-685-4441 or visit our Service Center online to report claims for immediate assistance with policyholder verification and damage assessment.
Do you offer 24/7 insurance support?
Our office hours are Monday-Friday 8:30 AM-5 PM, but we provide emergency contact options for urgent claims outside regular business hours.
What areas do you serve?
We serve clients throughout Minnesota, North Dakota, and Arizona with localized insurance solutions tailored to regional risks and requirements.
How do insurance deductibles work?
Deductibles represent your out-of-pocket payment before coverage applies. We help clients balance deductible amounts with premium costs to optimize their insurance value.
Can I manage my policy online?
Yes, our Service Center portal allows policyholders to pay bills, request ID cards, review coverage details, and submit policy change requests 24/7.
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