Why National Insurance Brokers – Hice Agency Stands Out

1. Understanding Independent Brokers vs. Captive Agents

In Minnesota, insurance agents may represent a single insurer or act independently. Independent brokers, such as National Insurance Brokers – Hice Agency, represent multiple carriers, offering unbiased advice and customized coverage selection for your unique needs. This flexibility allows greater access to competitive rates and tailored policies—especially important for families and businesses.

2. The Hice Agency Difference — Minnesota-Based & Client-Focused

Operating out of Baxter, with branches in Grand Rapids, Clearwater, and Bloomington, National Insurance Brokers serves Minnesotans with over 40 top-rated insurance companies. Their team emphasizes education and empowerment—helping clients understand the true cost and value of each policy, not simply pushing the lowest price.

3. Comprehensive Coverage for Every Life Stage

Auto Insurance

Customizable plans based on vehicle use, driving habits, and lifestyle—covering liability, collision, comprehensive, rental car, and more.

Home Insurance

Protection for houses, personal belongings, liability, and loss of use. Add-ons available for flooding, high-value items, or supplemental cover like water backup and identity theft.

Life & Health

Term, whole, and universal life products tailored to family needs, plus health coverage including individual plans, Medicare supplements, and short-term options.

Business & Professional

Liability, commercial property, workers’ comp, group health, errors & omissions, umbrella policies, and industry-specific protections for Minnesota businesses.

Recreation

Coverage for boats, ATVs, lawn equipment, RVs, and other gear—from hobby hatchbacks to high-end lake toys.

4. Why Independent Brokers Give You More

This is the value offered by Hice Agency—they analyze your situation and offer coverage that fits, rather than pushing pre-packaged solutions.

5. Local Licensing & Ethical Standards

All agents with National Insurance Brokers maintain active Minnesota insurance producer licenses. They comply with continuing education and MNsure certification, upholding the state’s high standards. Hice Agency’s practices also align with Minnesota’s Department of Commerce licensing requirements.

6. How It Works: Your Engagement Process

1. Discovery Call or Form Submission
   Explain your current policies or goals—auto, home, business, health, life.
2. Quote Comparison
   The team gathers customized offers from over 40 carriers to compare pricing and coverage.
3. Proposal & Planning
   Review options with your agent—aligning features, premiums, and any policy gaps.
4. Policy Activation
   Seamless enrollment, digital forms, and key coverage confirmed—minutes or weeks before effective dates.
5. Ongoing Reviews
   Periodic check-ins help adjust policies to reflect life changes (new vehicles, estate updates, business growth).

Hice Agency also provides post-close support—for claims, billing changes, or mid-policy reassessments.

7. Real Client Feedback & Presence

National Insurance Brokers maintains strong local ties and consistently receives praise for service quality and transparency:

“Tom and Hayden made us feel informed and confident every step of the way.”
Many clients mention the firm’s responsiveness, clarity, and policy reviews that saved money.

Their blog further showcases practical resources—from “Auto Insurance 101” to wellness of policy bundles.

8. External Resource: Minnesota Insurance Overview

For impartial comparison of Minnesota insurance regulation, agent licensing, and consumer protections, the Minnesota Department of Commerce Insurance Division provides official guidance on choosing licensed brokers, renewals, and consumer complaint processes.

Whether you’re evaluating your existing coverage, exploring policy bundling, or need tailored business or recreational insurance, feel free to contact our team anytime—we’re here to help Minnesotans feel confident and protected.