A Veteran-Owned Insurance Agency in Monticello, Minnesota
We're 5 Star Insurance Protectors, a veteran-owned independent agency with business insurance at the center of what we do. We compare carriers for businesses and families across the northwest Twin Cities, and we offer personal, face-to-face guidance that a call center can't.
Veteran-owned and Monticello-based
30+ years of combined team experience
Independent access to multiple carriers
Face-to-face meetings and a real handshake
Local Insurance Guidance Built on Service and Trust
We help business owners, families, and individuals review their coverage and make confident decisions about it. Commercial insurance is our primary focus: workers' comp, liability, property, vehicles, bonds, and the specialty coverages local businesses need. We also handle home, auto, and the boats, snowmobiles, fish houses, and classic vehicles that come with Minnesota life.
Our goal is simple. We want to give you clear guidance, responsive service, and an insurance relationship you can rely on as your life or business changes.
You May Know Us as 5 Star Insurance Professionals
On January 1, our agency became 5 Star Insurance Protectors. The name is new, but the people, the office, and the way we take care of clients are the same. If you found us through an older listing or a past referral, you're in the right place.
Veteran-Owned, With Service in Our DNA
Service, accountability, and follow-through shape how we do business. As a veteran-owned agency, we believe clients deserve honest conversations, thoughtful recommendations, and personal attention. You won't get a one-size-fits-all policy or an anonymous call center experience from us.
That same mindset is why we still value the handshake. So much of life happens online now, but we think a face-to-face conversation is still one of the best ways to understand what someone needs.
"So much is done online now, and I feel like that personal relationship is something we want to stand for. We still prefer to meet our clients. We like that handshake. It means a lot."
–
Cole Peterson, Owner
Our Promise: Experienced Guidance, Modern Tools, and a Personal Touch
After years in the insurance industry, we believe clients deserve a better relationship with their agency. Everything we do is built around three commitments.
Personal Guidance You Can Count On
We take time to understand your business, your family, and what matters most to you. We communicate clearly and make sure you always know someone is looking out for your best interests.
Recommendations Built Around You
We don't push products. We learn your needs, compare coverage across multiple carriers, and recommend the options that balance coverage and value for your situation. For business owners, that starts with a consultation, not a quote form.
Technology That Supports the Relationship
We use digital tools to gather information, share documents, and compare quotes efficiently. That makes working with us faster and more convenient, while a person on our team still guides every recommendation.
Commercial Insurance First, With Strong Personal Coverage Too
Most of our work is helping businesses get their coverage right. We work with contractors and tradespeople, professional service firms, nonprofits, retail and service businesses, and property owners, including people with vacant buildings or short-term rentals that standard policies don't handle well. Every commercial relationship starts with a conversation about how your business actually operates.
We also take care of families and individuals with home, auto, and recreational coverage. That includes snowmobile and fish house insurance in Minnesota, Wisconsin, and South Dakota, and classic car, motorcycle, and boat coverage. Explore our
commercial insurance and
personal insurance pages to see everything we offer.
The Advantage of an Independent Insurance Agency
Because we're independent, we aren't limited to one insurance company or one product. We compare multiple carriers and explain the differences in coverage, limits, deductibles, and cost, so you can choose with confidence instead of settling for whatever one company offers.
We work for you, not for a single insurance carrier.
We compare options side by side and explain them in plain language.
We can review your business, home, and recreational coverage together.
We stay with you after the sale for changes, renewals, and claims questions.
You can see the carriers we work with on our carriers page.
The People Behind 5 Star Insurance Protectors
We're a small team, which means you'll know the people handling your account.
Cole Peterson
Owner & Commanding Officer
Jayne Brinkman
Contact Manager
MyHanh Nguyen
Agency Producer
Bob Mock
Agency Producer
Clay Wallace
Life and Health Broker
Customer testimonials on Google
Visit Us in Monticello or Meet Us in Ham Lake
Our main office is at 261 East Broadway in downtown Monticello. We serve businesses and families in Elk River, Buffalo, St. Michael, Albertville, Rogers, and throughout the northwest Twin Cities. Clients in the Ham Lake and Anoka County area can also meet us at our Ham Lake satellite office, by appointment only.
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
Questions People Ask About Our Agency
Is 5 Star Insurance Protectors veteran-owned?
Yes. We're a veteran-owned independent agency based in Monticello, Minnesota. The values of service, accountability, and follow-through guide how we treat every client.
Is 5 Star Insurance Protectors the same agency as 5 Star Insurance Professionals?
Yes. Our agency changed its name to 5 Star Insurance Protectors on January 1. The team, the Monticello office, and our approach to service stayed the same.
Does 5 Star Insurance Protectors have an office in Ham Lake?
Yes. We have a Ham Lake satellite office for clients in the Ham Lake and Anoka County area, with meetings by appointment only. Our main office is at 261 East Broadway in Monticello.
Why work with an independent insurance agency?
An independent agency can compare coverage from multiple carriers, while a captive agent represents one company. That means more options, clearer comparisons, and an agent who works for you rather than for one insurer.
Can I meet with an agent in person?
Absolutely, and we encourage it. You can meet us at our Monticello office or in Ham Lake by appointment. If it's easier, we also work by phone, video, and email.
Let's Start With a Conversation
Whether you're reviewing business coverage, insuring a new home, or just want a second opinion on what you have, we'd be glad to meet you. Business owners can schedule a consultation, and families can request a quote for personal coverage.
Prefer to talk now? Call us at
(763) 432-2645.
