Minnesota Employers Insurance Services

What Minnesota Employers Insurance Services does

Minnesota Employers Insurance Services (MEIS) is an independent insurance agency headquartered in Maplewood, Minnesota, operating as an LLC with 1-10 employees. The agency is structured as a multi-carrier brokerage, representing 18+ insurance carriers including Travelers, Hartford, Liberty Mutual, Zurich, Progressive, Acuity, AmTrust, Foremost, Hagerty, and SFM Mutual. MEIS distributes roughly 57 insurance products across two segments: 24 personal lines (auto, homeowners, motorcycle, boat, RV, ATV, snowmobile, renters, condo, high net worth, pet, travel, wedding, and various specialty coverages) and 33 commercial lines (general liability, workers' compensation, commercial property, commercial auto, BOP, cyber liability, professional liability, EPLI, D&O, restaurant/bar, hotel/hospitality, contractors, manufacturers, garage, farm, vineyard/winery, and surety bonds). The agency specializes in trade-intensive commercial verticals — contractors, hospitality, manufacturing, retail, and wood products — and also serves individual consumers in Minnesota and Wisconsin.

MEIS generates revenue exclusively through insurance commissions: initial commissions on new policies and renewal commissions on in-force book, paid by the underlying carriers. The agency is BBB-accredited and operates a sales-led GTM model combining in-person service at its Maplewood office, phone-based sales, online quote request forms, a Refer-a-Friend program, and an active content marketing blog covering personal and commercial insurance topics. Distribution is regional across Minnesota, Wisconsin, and surrounding states, with no geographic expansion beyond the Midwest, no mobile apps, no proprietary technology stack, and no APIs or integrations. The technology foundation is standard agency tooling — carrier rating platforms, website CMS, and secure contact forms — with no documented AI/ML, data, or platform capabilities.

The business is bootstrapped with no external institutional investment, no parent company, no subsidiaries, and no disclosed funding history. Customer acquisition is driven primarily by local reputation, referrals, and SEO, serving a long-tail of SMB and individual customers. The agency competes on the breadth of carrier appointments, local service, and in-person claims advocacy rather than on technology or pricing differentiation characteristic of larger national brokerages or digital-first insurers.

Name

Minnesota Employers Insurance Services

Legal name

Minnesota Employers Insurance Services LLC

Website

https://mneis.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Minnesota Employers Insurance Services is an independent insurance agency in Maplewood, Minnesota, representing 18+ carriers to deliver 24 personal and 33 commercial insurance products to SMBs and individuals across Minnesota and Wisconsin. Revenue is generated through carrier commissions on policies sold and renewed.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Workers’ Compensation for High-Hazard & Specialty Trades (FSAJAEAF)

Keywords

• Commercial insurance brokerage
• Personal insurance agency
• Independent insurance agent
• Business insurance coverage
• Personal lines insurance

Headquarters

HQ city

Maplewood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, MEIS earns commissions from insurance carriers for policies sold and serviced. Commission structure includes initial policy commissions and renewal commissions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Minnesota Employers Insurance Services is an independent insurance agency that brokers personal and commercial insurance coverage on behalf of customers. The agency represents multiple national and regional carriers (Acuity, AmTrust, Foremost, Hagerty, Liberty Mutual, Progressive, Travelers, The Hartford, Zurich, and others) and places policies including auto, homeowners, commercial property, general liability, workers' compensation, contractors, hospitality, manufacturing, and many specialty lines. Revenue is generated through initial and renewal commissions paid by the carriers.

Product overview

Minnesota Employers Insurance Services is an independent insurance agency offering a comprehensive portfolio of personal and business insurance products through multiple carrier partnerships. The agency provides 24 personal insurance products including auto, homeowners, motorcycle, boat, ATV, snowmobile, renters, condo, high net worth, pet, travel, and various specialty coverages. For business clients, the agency offers 33 commercial insurance products covering general liability, workers' compensation, commercial property, commercial auto, builders risk, cyber liability, professional liability, restaurant/bar, hotel/hospitality, contractors, and numerous other industry-specific coverages. The company serves as an independent agent representing multiple insurance carriers including Acuity, AmTrust, Foremost, Hagerty, Integrity, Liberty Mutual, Pennsylvania Lumbermens Mutual, Philadelphia Indemnity, Progressive, Travelers, Hartford, Secura, SFM Mutual, Westfield, West Bend, and Zurich American, enabling them to match clients with optimal coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance covering families and corporate fleets, with options for various coverage levels, deductibles, and uninsured/underinsured driver protection.
• Homeowners Insurance Protection for homes and personal property against damage, theft, vandalism, and liability for injuries on the property.
• Motorcycle Insurance Protection for motorcycles including collision/comprehensive damages, medical bills, bodily injury, and coverage for custom parts or classics.
• Boat & Marine Insurance Coverage for watercraft including speed boats, yachts, and sailboats with options like Agreed Hull Value and Actual Cash Value policies.
• ATV Insurance Insurance coverage for all-terrain vehicles protecting against financial loss from damage, theft, fire, flood, bodily injury, and uninsured/underinsured motorists.
• Personal Umbrella Insurance Extra liability coverage above and beyond auto, boat, ATV, and homeowners insurance to protect assets against major claims.
• Renters Insurance Coverage for personal possessions, liability, and additional living expenses for renters of homes, apartments, condos, or duplexes.
• Commercial Property Insurance Protection for business facilities, equipment, inventory, fixtures, and signage against storms, fires, natural disasters, theft, and vandalism.
• General Liability Insurance Protection against claims from bodily injury, property damage, damage to rented premises, medical payments, advertising errors, and reputation harm.
• Workers' Compensation Insurance State-mandated coverage providing medical treatment and partial wage reimbursement for work-related injuries or illnesses.
• Commercial Auto Insurance Coverage for business vehicles including liability, medical costs, comprehensive, collision, and protection for employee-operated vehicles.
• Business Owners Package Insurance (BOP) Bundled policy combining property and general liability coverage designed for small and medium-sized businesses.
• Contractor's General Liability Insurance Coverage protecting contractor business assets, helping ensure business survival, and providing protection against claims from injury or property damage.
• Commercial Umbrella Insurance Additional liability coverage providing $1 million to $5 million in protection above base business policies.
• Cyber Liability Insurance Protection against costs associated with data breaches including customer notification, first-party and third-party coverage, and business interruption from cyberattacks.
• Professional Liability (Errors & Omissions) Insurance Coverage protecting businesses against claims of negligence, mistakes, or failure to deliver services as promised.
• Restaurant & Bar Insurance Coverage for hospitality establishments including liquor liability, property damage, and business interruption.
• Hotel & Motel Hospitality Insurance Package coverage for hospitality businesses including business property, liability, crime, and guest property protection.
• Builder's Risk Insurance Coverage for construction materials and structures during building projects against weather, fire, theft, and vandalism.
• Business Interruption Insurance Protection covering lost business revenue and operating expenses during periods when business operations are halted due to disaster.

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered core.

• Acuity InsurancecoreChannel Partner/ Reseller/ DistributorNational insurance carrier providing professional level of service. MEIS offers Acuity Insurance products to clients throughout Minnesota.
• AmTrust InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier providing competitive pricing and coverage options through MEIS.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorNational/regional carrier offering various insurance products through independent agents.
• Hagerty InsurancecoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier, particularly for collector vehicles and marine coverage.
• Integrity InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier providing coverage options to MEIS clients.
• Liberty Mutual InsurancecoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing comprehensive coverage options.
• Pennsylvania Lumbermens MutualcoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier serving the lumber and wood products industry, relevant to MEIS's wood products client segment.
• Philadelphia Indemnity Insurance CompanycoreChannel Partner/ Reseller/ DistributorCommercial insurance carrier providing liability and property coverage.
• The Progressive CorporationcoreChannel Partner/ Reseller/ DistributorMajor national auto and commercial insurance carrier.
• The Builders GroupcoreChannel Partner/ Reseller/ DistributorInsurance carrier providing products relevant to contractors and builders.
• US AssurecoreChannel Partner/ Reseller/ DistributorInsurance carrier providing various commercial and personal coverage options.
• Zurich American Insurance CompanycoreChannel Partner/ Reseller/ DistributorMajor global insurance carrier providing commercial and specialty coverage.
• Westfield InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier offering commercial and personal lines.
• West Bend Insurance CompanycoreChannel Partner/ Reseller/ DistributorRegional carrier serving Wisconsin and Midwest markets.
• The Travelers Indemnity CompanycoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing commercial and personal coverage.
• The Hartford Insurance Group, Inc.coreChannel Partner/ Reseller/ DistributorMajor national carrier offering business and employee benefits insurance.
• Secura InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier serving Midwest markets.
• SFM Mutual InsurancecoreChannel Partner/ Reseller/ DistributorMutual insurance company providing workers compensation and business coverage.

Scale indicators2 records

Recent moves5 records

Expansion highlights8 records

Direct peers

• Cross Insurance: Regional independent insurance agency serving personal and commercial clients across the Northeast with multiple carrier relationships — a comparable independent agency model with similar SMB and specialty commercial lines orientation.
• Heffernan Insurance Brokers: Independent insurance brokerage providing business and personal insurance through multiple carrier appointments to SMB clients — closely comparable to MEIS in independent agency structure, multi-line product mix, and SMB/contractor specialty.
• Leavitt Group: Network of independent insurance agencies operating across multiple U.S. states with strong commercial and personal lines offerings — directly comparable to MEIS's independent agency model, multi-carrier appointments, and regional SMB focus.

Broad incumbents

• Marsh McLennan: Global insurance brokerage and risk advisory — competes with MEIS in commercial insurance placement for businesses, including construction/contractors and hospitality, though primarily serving larger accounts.
• Hub International: Large global insurance brokerage offering commercial, personal, and employee benefits across North America — a broader incumbent that competes for the same regional commercial accounts MEIS targets but at significantly greater scale.
• Brown & Brown, Inc. National insurance brokerage built largely through independent agency acquisitions — a comparable commercial and personal lines broker with a regional office model that often absorbs agencies like MEIS in roll-ups.
• Arthur J. Gallagher & Co. Major global insurance brokerage and risk management firm — overlaps with MEIS in commercial property/casualty and workers' comp placement for SMB and mid-market accounts, but operates at vastly greater scale and geographic reach.
• Lockton Companies: Largest independent insurance brokerage in the world — competes for commercial accounts in contractors, hospitality, and manufacturing segments that MEIS also serves, though typically at larger account sizes.

Emerging players

• CoverWallet: Digital commercial insurance brokerage targeting SMBs with instant online quotes for BOP, general liability, and workers' comp — directly comparable to MEIS's small commercial book, but delivered via a tech-enabled platform.
• Policygenius: Digital insurance marketplace that automates personal lines quoting across multiple carriers — directly competes with MEIS for entry-level auto, home, and life insurance customers who increasingly prefer self-serve online experiences.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Minnesota-Employers-Insurance-Services-107768139282304
• LinkedInlinkedin.com/company/minnesota-employers-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Minnesota Employers Insurance Services