About AJR Agencies

AJR Agencies is a full service independent insurance brokerage founded and based in the southwest suburbs of the Minneapolis/St. Paul Metro area.  We serve both Metro and greater Minnesota by providing hometown service, combined with big city options at affordable prices.

Our mission is to meet the cares of our clients and the community before, during and after their times of need.

An Independent Advantage

We are independent agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. AJR Agencies represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy -- you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it's for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it's up to you to make the final choice.

Insurance Carriers

As independent agents, we have established long term, solid relationships with some of the top national and regional carriers in the industry. Our experienced staff will be able to provide comprehensive, expert insurance solutions and service.

For you, our client, this provides competitive pricing, coverage options, and peace of mind that the company providing your insurance coverage meets our standards.

Property & Casualty

• AAA
• American Modern Insurance
• Bloomfield Mutual
• Dairlyland/Sentry
• Deerbrook
• Encompass
• Fidelity National Auto & Home
• Foremost
• Hagerty
• Hartford
• Homesite (Progressive Home)
• Integrity
• Kemper
• MetLife Auto & Home
• Midwest Family Mutual
• MN Fair Plan
• MN Workers Compensation Insurance Association
• Progressive
• RLI
• SFM Stand Alone Workers Compensation
• Safeco
• Travelers
• Vacant Express (Vacant Homes)

Life & Health Carriers

• AAA Life
• Assurant/Fortis Health
• Assurity
• Blue Cross Blue Shield of MN
• Security Life (for Dental/Vision)
• ING
• AIG
• Grange Life
• Illinois Mutual
• Lincoln Financial Life Insurance
• MetLife
• MN Comprehensive Health Association
• International Medical Group (Travel and International Health Insurance)