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Synergy Insurance Group is dedicated to helping you protect what matters.

All About Synergy Insurance Group

We are independent, we are family-owned, we are experienced, and we are glad you’re here. For nearly 20 years, we have provided our clients with outstanding insurance options, and it’s only going to get better.

Following our core values of trust, sincerity, innovation, and generosity, we strive to help protect our clients and community. We work with you to help you identify the unique risks you face so you can find the protection you need.

Navigating insurance can be boring, complicated, and time-consuming, but oh-so-necessary. That’s where insurance nerds like us come in. We take care of the drudgery, so when the inevitable time comes that your insurance transitions from a tedious to-do to an actual lifesaver, you know you will be looked after. You know we will be right there with you.

So, do you need insurance? Yeah, we thought so. Trust us—we’ll take it from here.

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At Synergy Insurance Group we exceed expectations.

The Solution to Your Insurance Needs

Synergy Insurance Group offers a variety of personal insurance and business insurance solutions to help you protect what matters most.

Your Local Agencies

With three convenient office locations, Synergy Insurance Group proudly serves clients throughout Minnesota, Wisconsin, and more.

Red Wing, MN

Coon Rapids, MN

Gay Mills, WI

Our Partner

Partner - Trusted Choice

The Independent Agency Advantage

What makes our independent insurance agency different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

An Independent Agency Gives You Options

We proudly represent Nationwide, Progressive, and more!

Auto
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

Solution

Medical payments coverage can help cover reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

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Manage Your Policies

Already a Synergy Insurance Group client? Visit our Service Center to pay a bill, request a certificate, report a claim, and more.

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Our Clients Rave About Us

Check out our reviews and see why you should switch to Synergy Insurance Group.

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