Phone: (651) 646-2651
  (800) 328-0828

Fax: (651) 646-1971



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Online quoting is available for a variety of commercial risks.

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Northern States Agency is a managing general agency and wholesale broker located in St. Paul, Minnesota. We are a proud member of the Berkshire Hathaway family of companies. Since 1953 we have been dedicated to serving retail agents and brokers for the placement of transportation and small to medium-sized commercial lines business. We have a strong local and regional presence and value our affiliation and participation in many local insurance organizations. Many organizations talk about great service, but very few can define what "great" really means. We define great service as follows:

New Business:

We will respond to your new business submission with a quote the day we receive it, or the very next day. If we are unable to provide a quote within that time frame, we will contact you with an estimate of when you can expect to receive one.

Renewal Business:

We work just as hard to help you retain your renewals as we do to help you write new business. When we have complete information, we release renewal terms 30 days prior to the expiration date. Our team will work with you to ensure we are doing everything possible to keep your business. Currently, we retain 3 out of every 4 renewals.

Our Commitment:

  • Phone Calls and Email: Same day response
  • Endorsements and Certificates: We get it right the first time
  • Binders and ID Cards: On or before the effective date of the policy

Online Quoting:

Available for a variety of commercial risks, 24/7 here.

Commercial Auto:

We write almost anything on wheels and have an exclusive market with National Indemnity Company. Some of our top products include:

  • Trucking including tow trucks, logging, distributors, mobile home transporters, petroleum haulers, concession trucks, and auto haulers
  • Public Transportation including limos, church buses, charter buses, social service, daycare, wilderness expedition, and private school buses.
  • Special Transportation including driver training vehicles, ambulances, security vehicles, and daily auto rental
  • Short-term policies available for all classes.

Coverages include Primary Auto (with limits up to $5,000,000), Excess Auto, Garage/Dealers, and Cargo.

Property & Casualty:

With access to a variety of specialty markets, our Property & Casualty department targets small to medium-sized commercial accounts. Our strategic partnerships enable us to help you write everything from main street mercantile businesses to the more difficult contracting and products driven risks.

Some of our top products include vacant buildings, home health care, tree trimmers, truckers, special events, health & exercise studios, artisan and general/paper contractors, and manufacturers.

Coverages include general liability, professional liability, umbrella/excess, directors and officers, employment practices, pollution, property, inland marine, and prize indemnification.

Workers Compensation

Northern States Agency can consider a wide variety of monoline workers compensations risks. Our markets have appetites for experience mods of all sizes and we have written accounts ranging from $500‑$1.5M in premium. We specialize in multi‑state, tougher to place risks and classes of business.

Our Staff:

We have built a team of insurance professionals who are fun, friendly, and easy to work with. Our underwriters average nearly 15 years of experience with NSA. This allows us to develop meaningful business relationships with you, our customer, and our carriers, to find the best possible solutions to meet your needs. When you succeed, we succeed!

Northern States Agency (NSA) is an indirect wholly-owned subsidiary of Berkshire Hathaway Inc., and has binding authority to place insurance business with affiliated insurance companies as well as non-affiliated insurance companies. NSA also conducts business on a brokerage basis with non-affiliated insurance companies. If you have questions regarding NSA's affiliations and/or relationships with insurers, please contact Northern States Agency.