Independent Insurance in Monticello, MN, Built for What Matters Most.
5 Star Insurance Protectors is a veteran-owned independent insurance agency in Monticello, MN. We sit down with business owners and families, compare coverage from multiple carriers, and build policies around how you actually work and live, not around one company’s products.
Veteran-owned and Monticello-based
30+ years of combined team experience
Coverage compared across multiple carriers
Face-to-face meetings, plus phone and video
A Local Agency That Takes the Time to Get Your Coverage Right
Insurance is easier when you know who's on the other side of the table. At 5 Star Insurance Protectors, commercial insurance is our primary focus. We help Monticello-area businesses with workers' comp, liability, property, vehicles, and bonds, and we take care of the homes, vehicles, and Minnesota toys that families depend on.
As an independent insurance agency in Monticello, MN, we aren't tied to one company. We learn what you need to insure, compare options across multiple carriers, and explain them in plain language. Then we stay with you as your business grows or your life changes. You can learn more about our story on our
About Us page.
Business and Personal Coverage From One Local Team
Commercial insurance is where we focus most, and our personal lines cover everything from your home to your fish house. Choose a coverage to learn more.
Commercial Insurance
Coverage for your people, property, vehicles, and liability, starting with a consultation about how your business actually runs.
Personal Insurance
Home, auto, motorcycle, boat, and classic vehicle coverage compared across carriers and reviewed by one local team.
Contractor Insurance
Liability, workers' comp, trucks, tools, and bonds reviewed together for builders and tradespeople across the northwest metro.
Life & Health Insurance
Guidance on life and health coverage for clients who already trust us, provided directly or through trusted partners.
Built for Local Businesses, With Room for Your Whole Household
Our focus is helping businesses get their coverage right, because the right commercial policy can decide whether a bad day stays manageable. Every commercial relationship starts with a conversation, not a quote form. We regularly work with:
- Contractors, builders, and tradespeople, from solo operators to growing crews
- Professional service firms such as consultants, accountants, and real estate offices
- Nonprofit organizations and the volunteers who serve on their boards
- Retail, restaurant, and service businesses along main streets and retail corridors
- Property owners with occupied, vacant, or short-term rental properties
We also take care of the households behind those businesses. That includes homeowners, families with teen drivers, landlords, and owners of boats, snowmobiles, fish houses, and classic cars. Many of our business clients bring their personal coverage to us too, so everything gets reviewed in one place.
Step 1
We Talk
We meet in person, by phone, or by video to learn about your business, your family, and what you need to insure.
Step 2
We Compare
As an independent agency, we take your needs to multiple carriers and compare coverage, limits, and price side by side.
Step 3
We Explain
We walk you through our recommendation, what's covered, what isn't, and where you have choices.
Step 4
We Stay With You
When you hire, buy, move, or need help with a claim, you call the same local team.
Why Businesses and Families Choose 5 Star Insurance Protectors
Veteran-Owned Accountability
Service, accountability, and follow-through shape how we work. You get honest conversations and recommendations we can stand behind.
30+ Years of Combined Experience
Our team brings more than three decades of combined insurance experience to every coverage review and every claim question.
Independent Carrier Access
We work for you, not for one insurance company. We compare multiple carriers so your coverage fits your needs.
Face-to-Face and a Handshake
We still prefer to meet our clients. Visit our Monticello office, or meet us in Ham Lake by appointment.
Modern Tools, Personal Guidance
Digital tools make applications, documents, and quotes faster, and a person on our team guides every recommendation.
Advice Without the Pressure
We educate first and recommend second. You'll understand your options before you make a decision.
You can meet the people behind the agency on our team page.
What Our Clients Say About Working With Us
Serving Monticello and the Northwest Twin Cities
Our office is at 261 East Broadway in downtown Monticello, between I-94 and the Mississippi River. We serve businesses and families in Elk River, Buffalo, St. Michael, Albertville, and Rogers, and throughout Wright County, Sherburne County, and the northwest metro. If you're closer to Anoka County, we also meet at our Ham Lake satellite office by appointment.
5 Star Insurance Protectors
261 East Broadway, Monticello, MN 55362
(763) 432-2645
Monday–Thursday 8:30am–4:30pm, Friday 9:00am–4:00pm
Meetings outside posted hours available by request
Ham Lake satellite office: Meetings by Appointment Only
Answers to Common Questions About Working With Us
Is there an independent insurance agent near me in Monticello?
Yes. 5 Star Insurance Protectors is a veteran-owned independent agency at 261 East Broadway in downtown Monticello. We serve businesses and families across Wright County and the northwest Twin Cities, in person, by phone, or by video.
Who offers business insurance in Monticello, MN?
We do, and it's our primary focus. We help local businesses with workers' comp, general liability, commercial property, commercial auto, surety bonds, and specialty coverage such as vacant property and contractor insurance. Every commercial relationship starts with a consultation.
What's the difference between an independent agent and a captive agent?
A captive agent represents one insurance company. An independent agent like us compares coverage from multiple carriers and works for you, which usually means more options and clearer comparisons.
Can one agency handle my business and home insurance?
Yes. We write commercial and personal coverage, so we can review your business policies, home, auto, and recreational vehicles in one conversation, with one local team to call.
Is 5 Star Insurance Protectors the same as 5 Star Insurance Professionals?
Yes. We changed our name to 5 Star Insurance Protectors on January 1. Same team, same Monticello office, same commitment to personal service.
Do I need an appointment to meet with you?
Appointments are recommended so the right person is ready for you, and they're required at our Ham Lake satellite office. Our Monticello office is open Monday through Thursday 8:30am to 4:30pm and Friday 9:00am to 4:00pm, and meetings outside those hours can be arranged.
Let's Sit Down and Get Your Coverage Right
Whether you're reviewing your business insurance, starting a new venture, or just want a second opinion, the first step is a conversation. Tell us a little about what you need, and we'll follow up to schedule a time that works for you, in Monticello, in Ham Lake, or by phone.
Contact Us
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Looking for home, auto, or recreational coverage? Request a personal insurance quote instead, or call us at (763) 432-2645.
