Insurance Products

We take pride in our consultative approach; at St. Cloud Reliable Insurance Agency we take the time to understand your changing insurance needs, and will put a personal insurance or business insurance program in place that will deliver economy, superior protection, and risk management assistance.

Personal Insurance Products (Auto and Home Insurance)

• Personal Package
  One policy, one bill equals convenience and enhanced protection. We can combine your auto, home and other coverage in one comprehensive policy. We can start now with just your auto or home and 'package' the other coverage when your current policy expires.

  • Get a Personal Auto Quote Request
  • Get a Homeowner Quote Request
  • Let the Wizard Estimate the Cost to Replace Your Possessions
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Personal Package page
• Home Insurance

  Home Insurance - Protect your home and your belongings

  Homeowners in St. Cloud, Sartell, Waite Park and St. Joseph need the one policy that does a lot.  A home Insurance policy reimburses you for damage to your home from a variety of causes. If your home is totally destroyed or you cannot use it for a period of time, your home insurance policy will cover that. Your home insurance extends to your personal contents and liability for damage to property of others or injury caused to someone by you or a family member.

   

  There are many special situations where you may need to include greater levels of protection for important personal property, home office situations, liability for boat and recreational vehicle ownership, additions and alterations to your residence. 

   

  Choosing the right deductible and coverage for your home insurance can make a difference in your insurance policy rate and premium; so can placing your home insurance with the same company that provides your car insurance.

   

  St. Cloud Reliable can customize your home insurance to fit your needs - we represent five top rated insurance companies and can find you the best combination of protection, claim service, and convenience. 

   

  Call us or request and home insurance quote online. 

  • Get a quote for Home Insurance
  • Let the Wizard Estimate the Cost to Replace Your Possessions
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Home Insurance page
• Car Insurance

  Car insurance options help keep rates down

  Drivers and car owners in St. Cloud, Sartell, Waite Park and St. Joseph need to protect themselves from vehicle damage as well as potentially devastating lawsuits.  Those are just a few of the important car insurance coverages included in a personal auto insurance policy.

  There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.  Choosing the right car insurance deductible can make a difference in your insurance policy rate and premium; so can placing your car insurance with the same company that provides your home insurance.

  St. Cloud Reliable knows the ins and outs of car insurance - we represent seven top rated insurance companies and we can find you the best combination of protection, claim service, and convenience.

  Call us or request a car insurance quote online.

  • Get a quote for Car Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Car Insurance page
• Antique, Classic and Customized Automobile Insurance
  Special autos come in all shapes, sizes and model years. We share your dedication to caring for and protecting your special vehicle. Let us help you care for your classic car by providing the policy that is right for it and you.
  

  • Get a quote for Antique, Classic and Customized Automobile Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Antique, Classic and Customized Automobile Insurance page
• ATV Insurance
  Insurance is not required for your ATV but there are several situations where liability protection you have under other policies may not apply. Some states require insurance for ATVs operated on state-owned land and your homeowner policy may not protect you if you ride off your property. ATV Insurance can fill in these gaps and will reimburse you if your ATV is stolen or badly damaged. ATV Insurance includes Liability, Medical Payments, Comprehensive and Collision coverage, much like an Auto Insurance Policy.

  • Get a quote for ATV Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our ATV Insurance page
• Boat Insurance

  Watercrafts - Boats & PWC's

  Living in MN means living near a body of water no matter what part of the state you live in.  A high percentage of homeowners have some type of watercraft weather it is a boat or a personal watercraft. 

  One policy includes protection against loss to your boat, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators.

  For small boats, and particular for boats without motors, a few simple changes to your home insurance policy may provide all the insurance coverage you need. 

  • Get a quote for Boat Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Boat Insurance page
• Condo Insurance

  One little policy does a lot. A condominium insurance policy reimburses you for damage to your condo, from the walls in, and from a variety of causes. If your condo is totally destroyed or you cannot use it for a period of time, your condo owners policy will also cover that. The insurance extends to your condo's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence.

  • Get a quote for Condo Insurance
  • Let the Wizard Estimate the Cost to Replace Your Possessions
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Condo Insurance page
• Dwelling Fire Insurance
  Dwelling Fire Insurance is designed to insure residences you own or have a financial interest in but do not live in. Common situations calling for this type of insurance coverage include rental homes, homes that are vacant because they are temporarily uninhabitable or are not currently occupied because of a transition caused by a sale or relocation. In these situations insurance protection is needed for the building but typically not for any contents. Liability insurance for the property can sometimes be added or may be handled through alternative approaches.

  • Get a quote for Dwelling Fire Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Dwelling Fire Insurance page
• Flood Insurance
  Even if your home or business is located away from water or is covered by a homeowner or business insurance policy, you may still need Flood Insurance. Groundwater flooding can cause damage to buildings on higher ground many miles from a body of water and over 20 percent of flood insurance claims originate from areas that are not considered to be high flood-risk. Homeowner and business insurance policies generally exclude flood and related losses because of the catastrophic nature of floods. Affordable flood insurance protection is available and is often an important component of a sound insurance program.

  • Get a quote for Flood Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Flood Insurance page
• Home Business
  More and more people are working from home or starting home-based businesses. A standard homeowner policy affords limited protection for property and liability risks arising from home business pursuits. We have a range of options and can pick the one that's right for your business no matter how small, new or established.

  • Get a quote for Home Business
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Home Business page
• Identity Theft
  Abduction of your personal information can result in financial loss ranging from a thief draining your bank accounts to new debt from fraudulently opened credit accounts. Protect yourself before you become a victim by taking necessary precautions and insuring potential loss.

  • FAQs
  • Glossary
  • Request More Information
  • Link to our Identity Theft page
• Motorcycle Insurance

  Motorcycles have a higher rate of fatal accidents than automobiles. United States Department of Transportation data for 2005 from the Fatality Analysis Reporting System show that for passenger cars, 18.62 fatal crashes occur per 100,000 registered vehicles. For motorcycles this figure is higher at 75.19 per 100,000 registered vehicles, four times higher than for cars. Source.

  Motorcycle insurance covers most types of motorcycles including, cruisers, street sport, touring, high-performance bikes and scooters.

  • Get a quote for Motorcycle Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Motorcycle Insurance page
• Personal Umbrella

  For people in St. Cloud, Waite Park, St. Joseph and Sartell, MN sometimes the coverage limits in our auto and homeowner policies are just not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars. An umbrella provides extra protection of $1 million or more.

  Umbrella insurance is also called "excess" insurance because its coverage is not usually triggered until protection provided by an auto, home or other underlying policy is exhausted (runs out).

  St. Cloud Reliable can provide you with the coverage and knowledge to keep your families safe.  We represent five top insurance companies offering $1 million and more in umbrella coverage. 

  Call us or request an umbrella quote online.

   

  • Get a quote for Personal Umbrella
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Personal Umbrella page
• Recreational Vehicle Insurance
  Your RV may be a motor home, travel trailer, fifth wheel or a camper. It's not a house and it's not a car and it needs special insurance protection so you can travel safely. We have products specially designed for the RV lifestyle.

  • Get a quote for Recreational Vehicle Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Recreational Vehicle Insurance page
• Renters Insurance

  One little policy does a lot. A renters policy covers all most all of your personal property in your apartment, and in some cases, out of your rental unit.  The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership.

  • Get a quote for Renters Insurance
  • Let the Wizard Estimate the Cost to Replace Your Possessions
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Renters Insurance page
• Scheduled Personal Property
  Many of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.

  • Get a quote for Scheduled Personal Property
  • Let the Wizard Estimate the Cost to Replace Your Possessions
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Scheduled Personal Property page

Commercial Insurance (Business Insurance)

• Bonds
  Bonds come in several different varieties to fit different needs and situations. In general, bonds are meant to guarantee that one individual or entity will perform according to the specifications of a contract, ordinance or other requirement. Common types are Surety Bonds, Contract Bonds, Judicial and Probate Bonds and License and Permit Bonds.

  • Get a quote for Bonds
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Bonds page
• Business Auto Insurance
  Maybe your business owns vehicles or maybe you rent or lease them. Maybe you or your employees use personal vehicles to conduct business. If so, you need Business Auto Insurance. A Business Auto Insurance Policy protects your business against injury to others and damage to property as a result of business use of vehicles.

  • Get a quote for Business Auto Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Business Auto Insurance page
• Business Owners Policy
  Think of it as homeowner insurance for your business. This type of policy is appropriate for many small and medium sized businesses. It conveniently includes many types of coverage like liability, building, business property and loss of income.

  • Get a quote for Business Owners Policy
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Business Owners Policy page
• Commercial General Liability
  Your business faces exposure to loss from legal liability from a number of sources. The CGL provides broad protection from risks arising from your premises and operations, independent contractors and product liability, to name a few.

  • Get a quote for Commercial General Liability
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Commercial General Liability page
• Commercial Package Policy
  A Commercial Package is a type of business package policy that bundles coverage together for several things including liability, property, boiler and machinery, crime and other optional coverage. The options available create flexibility that allow a Package to be customized for most kinds of business.

  • Get a quote for Commercial Package Policy
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Commercial Package Policy page
• Commercial Property Insurance
  This type of policy provides protection from loss, due to a variety of perils, to all kinds of business property including: building structures, furniture, inventory, equipment, and supplies, money and securities and business records. If you have a larger or more complex business you may need the flexibility of insuring your business property through a Commercial Property Policy.

  • Get a quote for Commercial Property Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Commercial Property Insurance page
• Commercial Umbrella Insurance
  Commercial Umbrella Insurance is sometimes used interchangeably with Excess Liability Insurance. The two are really different; an umbrella insurance policy will 'reach down' to provide coverage in gaps between other business insurance policies while a true excess insurance policy is intended to provide extra limits of insurance on top of coverage provided by other business insurance policies that are in place.

  • Get a quote for Commercial Umbrella Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Commercial Umbrella Insurance page
• Contractors Bonds (Contractors Surety Bonds)
  There are several types of Surety Bonds for contractors: Bid Bonds, Performance Bonds, Payment Bonds, License Bonds and Supply Bonds are a few. In general, surety bonds assure a project owner that they can rely on contractor performance, ability to make payments to certain other parties (sub-contractors, e.g.), good faith bid submissions and so on. The issuer of sureties, usually an insurance company subsidiary, investigates the abilities of a contractor and, in the event of a valid claim, will make reimbursement for non-performance according to the terms of the surety.

  Information Needed for General Agreement of Indemnity:

  1. Federal ID Number of each corporation
  2. Full Name and Social Security Number of each stockholder and their spouses
  3. Home Address of each stockholder and their spouses
  4. Legal Name and Address of Corporation.
  5. For Bid Bond Purposes - State(s) of Incorporation

  • Get a quote for Contractors Bonds (Contractors Surety Bonds)
  • Request More Information
  • Link to our Contractors Bonds (Contractors Surety Bonds) page
• Contractors Liability
  Contractors have liability insurance needs unique to the building trade. We understand those needs and can find insurance protection to fit the budget of your business.

  • Get a quote for Contractors Liability
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Contractors Liability page
• Directors and Officers Liability Insurance
  D & O Insurance, as it is commonly called, is essential to attracting, retaining top business management talent. Lawsuits against a business and its management for negligent or wrongful acts can be brought by any number of constituents like shareholders, customers or regulatory bodies. D & O Insurance will fill in gaps in primary business liability insurance and will protect the personal assets of the directors and officers.

  • Get a quote for Directors and Officers Liability Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Directors and Officers Liability Insurance page
• Employment Practices Liability Insurance (EPLI)
  This kind of insurance provides insurance against liability for, as the name implies, employment practices. Protection, which will vary from policy to policy, covers a broad range of claims or lawsuits that might be brought by current or former employees or employment candidates. Just a few examples include sexual harassment, wrongful termination or discipline, wrongful failure to promote or hire, emotional distress, discrimination and invasion of privacy. Recent growth in employment practice litigation makes review of employment practices and insurance protection a necessity for most businesses today.

  • Get a quote for Employment Practices Liability Insurance (EPLI)
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Employment Practices Liability Insurance (EPLI) page
• Errors and Omissions Insurance
  Errors and Omissions Insurance is basically a type of Professional Liability Insurance. This insurance protection pays for liability claims resulting from damages due to failure to perform some duty for which the insured was trained or even just represented some specific expertise. Architects and insurance agents need Errors and Omissions Insurance as do information technology companies. The kind of Errors and Omissions protection needed vary greatly from business to business so insurance policies are often designed for specific business pursuits.

  • Get a quote for Errors and Omissions Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Errors and Omissions Insurance page
• Fidelity Bond
  A Fidelity Bond protects bondholder clients from theft by employees of the bond holder. This type of bond is very close to traditional insurance - in this case it protects the employer/bond holder from employee dishonesty. Fidelity Bonds are often purchased by businesses employing high risk employees.

  • Get a quote for Fidelity Bond
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Fidelity Bond page
• License Bond
  A License Bond guarantees the the bond holder will comply with the statutes and license requirements of the granting state. Contractors often need to secure License Bonds as do mortgage brokers (Mortgage Broker Bonds). Damages resulting from deliberate license and statutory non-compliance may be filed against the bond by any person 'damaged'.

  • Get a quote for License Bond
  • FAQs
  • Glossary
  • Request More Information
  • Link to our License Bond page
• Payment Bond
  Payment Bonds are provided to the project owner by the contractor after a contract has been awarded. The Payment Bond is a guarantee that the contractor will cover bills for specific project labor and material.. A Payment Bond also acts as a guarantee to subcontractors and suppliers for payments due from the project owner.

  • Get a quote for Payment Bond
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Payment Bond page
• Performance Bond
  Performance Bonds are provided by contractors to project owners after a contractor is awarded a bid (Performance Bonds are often preceded by Bid Bonds). The Performance Bond is a guarantee that the contractor will perform according to the project contract's terms and specifications. The amount of the bond will vary but in many cases it will equal the full contract amount.

  • Get a quote for Performance Bond
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Performance Bond page
• Product Liability
  You don't have to manufacture a product to be liable for damages due to injury or loss related to that product. If you are in the business of supplying, selling, or even providing a repair service. There are also 'products' that we don't normally think of as 'products', like the food served in a restaurant, that expose a business to product liability claims. Product Liability Insurance covers all kinds of businesses engaged in making, delivering , selling, or supporting almost any kind of product.

  • Get a quote for Product Liability
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Product Liability page
• Professional Liability Insurance
  Any professional in any field is expected to possess skills and knowledge resulting from specialized training and experience. When a client or customer believes you have not conducted yourself according the standards of your profession or that you have been negligent in some way you can be sued. Standard business liability policies do not cover these situations. To supplement general liability protection you may need a specialty coverage known as Professional Liability Insurance or sometimes Errors and Omissions Insurance.

  • Get a quote for Professional Liability Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Professional Liability Insurance page
• Workers' Compensation Insurance
  This type of insurance pays for medical and rehabilitation expenses for workers injured on the job. Lost wages are also covered. Each state governs the compensation details, including the amounts paid. This is often a mandatory type of insurance.

  • Get a quote for Workers' Compensation Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Workers' Compensation Insurance page

Individual Health & Financial Products

• Disability Insurance (Individual)
  A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.

  • Get a quote for Disability Insurance (Individual)
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Disability Insurance (Individual) page
• Health Insurance (Individual)
  There are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget.

  • Get a quote for Health Insurance (Individual)
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Health Insurance (Individual) page
• Life Insurance (Individual)
  Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.

  • Get a quote for Life Insurance (Individual)
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Life Insurance (Individual) page

Group Benefits

• Group Health Insurance
  Health insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation program. In fact, many people who would otherwise be qualified to run their own businesses may work for yours because of access to your benefits program. Let us help you find the best program for you.

  • Get a quote for Group Health Insurance
  • FAQs
  • Glossary
  • Request More Information
  • Link to our Group Health Insurance page