Guardian Insurance Services MN, LLC

Guardian Insurance Services MN, LLC Protecting families and businesses with affordable insurance plans.

03/20/2026

Home insurance rates in Minnesota increased 34% in 2025, the largest increase of any state, according to a report released Wednesday by insurance comparison website Insurify. The increase of nearly $900 has brought the state’s average annual premium to $3,530 at the end of 2025. The upside: a bett...

Home Insurance Wasn't Designed for the Age of Wildfires - Bloomberg
01/19/2026

Home Insurance Wasn't Designed for the Age of Wildfires - Bloomberg

Many home insurance policies don’t cover the full cost of rebuilding after a disaster, a problem that’s set to grow along with the impacts of climate change.

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12/31/2025

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This is always a busy week on the ice.

If you’re heading out, please remember to check the ice thickness frequently and for yourself, wear your safety equipment (ice picks and a life jacket or float coat/suit), and avoid pressure ridges, heaves, cracks, and areas of moving water.

This week’s conservation officer reports show ice conditions vary widely not just across the state, but also on the same body of water:

🧊 In the Perham area, CO Andrew Goodman responded to multiple reports of a vehicle floating in open water. The driver, who was found dry and safe, had attempted to go from one access to another but instead entered open water.

🧊 CO Felicia Znajda was patrolling Lake Osakis when she came across a pressure ridge with open water. There was a mostly submerged snowmobile, but nobody around. Thankfully, the snowmobile’s owners showed up a few minutes later, having changed out of their wet clothes. Nobody was, and they credited their ice picks and float suits with helping them out of their situation.

🧊 Tower-area CO Aaron Larson was among those who responded to an incident on Lake Vermilion where six people riding snowmobiles fell through the ice near a pressure ridge. Five of the six people were transported to the hospital and treated for exposure.

🧊 At least two ATVs have broken through the ice on Big Stone Lake in western Minnesota in recent days.

Ice safety tips: https://www.dnr.state.mn.us/safety/ice/index.html

The Essential Guide to Surety Insurance in 2026 » Guardian Insurance Services MN
12/21/2025

The Essential Guide to Surety Insurance in 2026 » Guardian Insurance Services MN

Discover the ultimate guide to surety insurance in 2026. Learn key types, industry trends, and Minnesota regulations to protect your business confidently.

When you need commercial insurance, make Guardian Insurance your first choice. We go beyond the ordinary by partnering n...
12/17/2025

When you need commercial insurance, make Guardian Insurance your first choice. We go beyond the ordinary by partnering not only with Progressive, but with over 26 additional top-rated carriers. This means our general contractors and subcontractors always get the coverage they need—at rates that protect your bottom line. Let Guardian Insurance be your competitive edge in the industry.

12/17/2025

Hey everyone, welcome to our FB page. We’re an independent insurance broker offering commercial & personal coverage from over 35 insurance companies. We are locally owned and operated and look forward to working with you.

We invite you to share our page with friends, family and businesses. We look forward to earning your business.

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571 Railroad Avenue
Albany, MN
56307

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