Are you looking for an insurance agent or a Trusted Advisor in Brainerd, MN?
Farmers Union Insurance Agency adheres to the Trusted Choice pledge. We work right in your communities and are actively involved with other organizations, events, and volunteerism. Finally, we are committed to providing comprehensive, quality insurance products and service to fit the needs of your family. We work to establish long-term relationships, placing emphasis on protecting your most important assets at home and in your business.
Why wouldn’t you trust your insurance needs to Farmers Union Insurance Agency in Brainerd, MN?
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Automobile insurance is the most purchased insurance in the United States. Different coverages can be purchased based on the needs of the insured. Liability coverages can include bodily… READ MORE
Typical policies cover most property or liability perils – such as fire or theft – to which the homeowner is exposed. Coverage includes structures on the property, as well as … READ MORE
Policies are similar to homeowners insurance, protecting farmowners and ranchowners against a number of named perils and liabilities. Coverage usually protects the home and … READ MORE
Insurance for commercial establishments from retail to wholesale, manufacturing to office, policies. These policies are generally set up as multi-peril package coverages. This coverage can protect… READ MORE
Life insurance is very different than that of property/casualty insurance. The main purpose of life insurance is to cover the risk of dying too early and leaving your loved ones without support. … READ MORE
About Farmers Union Insurance Agency

Farmers Union Insurance Agency was established in 1947 to meet the insurance needs of Minnesota Farmers Union membership. Over our 65+ years of existence, the agency has broadened its markets to include all of rural Minnesota, the urban market, and the businesses which serve them.
Farmers Union Insurance Agency has 37 agents in 39 offices located throughout the state of Minnesota. These agents provide insurance services to hundreds of families, farms, and businesses who pay over $60 million in insurance premiums for property, casualty, life, health, and annuities.
Insurance Agency Brainerd, MN
Are you looking for an insurance agent or a Trusted Advisor?
As our logo states, we are “Trusted. Local. Committed.”
Farmers Union Insurance Agency adheres to the Trusted Choice pledge. We work right in your communities and are actively involved with other organizations, events, and volunteerism. Finally, we are committed to providing comprehensive, quality insurance products and service to fit the needs of your family. We work to establish long-term relationships, placing emphasis on protecting your most important assets at home and in your business.
Why wouldn’t you trust your insurance needs to Farmers Union Insurance Agency?
LIFE & HEALTH INSURANCE:
Trust Farmers Union Insurance Agency to protect your loved ones. We’ll be there as a dedicated resource for support for your beneficiaries during such a difficult time.

Home & Auto Insurance
Typical policies cover most property or liability perils – such as fire or theft – to which the homeowner is exposed. Coverage includes structures on the property, as well as personal possessions in the structures. However, standard homeowners insurance DOES NOT cover flood damage; a separate policy can be purchased for that peril.
Automobile insurance is the most purchased insurance in the United States. Different coverages can be purchased based on the needs of the insured. Liability coverages can include bodily injury liability, property damage liability, and medical payments. Physical damage coverages include collision and comprehensive.
Farm Insurance
Policies are similar to homeowners insurance, protecting farmowners and ranchowners against a number of named perils and liabilities. Coverage usually protects the home and its contents, as well as barns, stables, and other structures. However, standard farm insurance DOES NOT cover flood damage; a separate policy can be purchased for that peril.
Crop Insurance
This coverage can come in many different levels of coverage; “multi-peril” and “crop-hail” being the two most common. Traditionally, crop-hail coverage was the most common coverage sold. In recent years, multi-peril coverage is the number one seller. This type of insurance is unique in that it is a public/private market product. Overseen and regulated by the federal government, policies cover growing crops against such perils as hail, wind, and fire.
Business Insurance
Insurance for commercial establishments from retail to wholesale, manufacturing to office, policies. These policies are generally set up as multi-peril package coverages. This coverage can protect a business from various property and liability exposures, such as the physical assets of business (nonliability) and the actions of owners or employees (liability). However, standard farm insurance DOES NOT cover flood damage; a separate policy can be purchased for that peril. Further, separate coverage for business income loss (due to a covered peril) and employee dishonesty can be purchased.
Errors & Omissions Insurance
Also known as “professional” insurance, it is a form of insurance that protects the insured for loss sustained because of an error or oversight on his or her part during the course of his or her profession. E&O insurance is geared more toward “expert” professions (lawyers, insurance agents, architects, engineers, etc). Malpractice insurance is geared more toward the “healing arts” professions (nurses, doctors, chiropractors, PA’s, etc.)
Life & Health Insurance
Life insurance is very different than that of property/casualty insurance. The main purpose of life insurance is to cover the risk of dying too early and leaving your loved ones without support. Policies can help beneficiaries maintain their standard of living after a policyholder dies. It also can protect the beneficiary and the insured from the possibility of outliving one’s assets.
Health insurance policies pay benefits to insureds who become ill or injured. These days, managed care is the most common delivery system. In managed care, insurance companies establish fee agreements with doctors and hospitals to provide health care services. If managed care health insurance is provided through employment, the employer pays the managed care plan a set amount of money (the employee may be charged a portion, or all, of this amount by the employer) in advance for all health care costs. The employee then pays a flat amount for the services (if required via the health plan) – a copayment.
Motorcycle/ATV Insurance
Motorcycles and ATV’s (all-terrain vehicles) are rising in popularity by the day. These can include street bikes, dirt bikes, four wheelers, and UTV’s. Many bikers and ATVer’s cancel their motorcycle insurance during the winter months, or when the unit is likely to be left unused for a long period of time. Unfortunately, bike thieves also know this and target garages and lock-ups that appear unused. Keeping your insurance policy running protects your unit from fire, theft, and malicious damage (depending upon your level of coverage).
RV/Camper Insurance
RV, or recreational vehicle, and camper coverage can protect anything from pull behind pop-up campers to motor driven large “bus style” campers. Optional coverages can include physical damage, liability damage, total loss replacement, awning replacement, and custom equipment coverage, to name a few.
Watercraft Insurance
Coverage here protects against injury to another person, damage to another’s property, legal expenses incurred when you let someone else use your craft, medical payments for injuries sustained by you and your passengers, and theft. Policies also cover loss of the craft. Optional coverages here include uninsured boater, fishing equipment, other personal items, fuel spill liability, wreckage removal, and associated water sports like skiing or kneeboarding. This is also where you might cover something like a jet ski.
Umbrella Insurance
This is a coverage that basically affords high limit protection in excess of the limits of the primary policies as well as additional liability coverages. These additional coverages are usually subject to a substantial self-insured retention (or deductible). The term “umbrella” is derived from the fact that it is a separate policy over and above any other basic liability policies the insured may have.
Renters Insurance
A form of property insurance that provides coverage for a policyholder’s belongings and liability within a rental property. Renter’s insurance applies to persons renting or subletting a single family home, apartment, duplex, condo, studio, loft, or townhome. In addition, a renter’s policy protects against losses resulting from liability claims, such as injuries occurring on the premises that are not due to a structural problem (building owner’s policy would cover this).
DISCLAIMER
This is by no means an all-inclusive list of insurance lines of business or coverages that can be purchased. Check with one of our agents to further discuss any questions you may have.
Trusted Choice® agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy.
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