The best insurance coverage at an affordable rate

At Bell Insurance, located in Fargo and Grand Forks, N.D., and Detroit Lakes and Minneapolis, Minn., you'll work with employees who go the extra mile for you. Whether you need home, auto, life or business insurance, we’ve got you covered, so when the worst-case scenario happens, you can expect the best – in both coverage and service.

Personal Insurance

When the Worst Happens, Expect the Best

With Comprehensive Insurance for Protection & Peace of Mind

Why settle for a cookie-cutter insurance plan, when you could work with a company known for providing award-winning customer service? By getting to know you and working with you to figure out an insurance policy that gives you the right coverage at the best rate, we’ll help you protect what matters most – your health, family, home and belongings.

Whether you need a car insurance quote or affordable personal health insurance, homeowners insurance or life insurance, we’ll help you protect what matters with coverage options in your best interest, competitive pricing, stress-free claims, and the high-quality service you can expect from Bell.

Auto Insurance

Unfortunately, accidents happen. Personal liability arising from injury or loss suffered by others – as well as the cost of repairing or replacing a damaged vehicle – can be high, but auto insurance helps pay for those costs. At Bell Insurance, we’ll help make sure you find the right coverage for the drivers and vehicles you have.

Homeowners Insurance

Your home is often your single biggest investment. Homeowners and renters insurance protect that investment and the belongings inside it, giving you a feeling of security and peace of mind. If you need flood insurance or want to add coverage for collectibles such as art, jewelry or guns, we can help with that, too.

Life & Health Coverage

One of the best things you can do for yourself and your family is to make sure you have comprehensive health coverage. A good health insurance plan can help minimize financial pressures when you and your family need health care. Life insurance can also help care for your loved ones – even if you’re no longer able to do so – by helping pay off debts, cover funeral expenses and supplement their income for ongoing living expenses.

Insurance is all about preparing for the unexpected so you can protect your assets, family and finances as much as possible should the worst-case scenario happen. When you work with Bell Insurance, you can relax knowing we’ll take care of you. As experienced agents who’ve dedicated our lives to helping others, we know insurance, and we care about what happens to you.

Business/Commercial Insurance

Reduce Your Risk & Manage Around What You Can’t Control

We understand one of your biggest challenges is managing around the things you can’t control. We can help you by building an insurance plan based on what you need to address the unique risks your operation faces.

Why settle for a cookie-cutter insurance plan when you could work with a company known for providing award-winning customer service? Here’s how we can help your business:

  1. Founded in 1911, we have the experience, analytics and resources to provide you with the right coverage to best protect your business.
  2. We conduct competitive benchmarking (comparing rates against your peers) to ensure you are getting a great price.
  3. We get to know you and your business personally, and we work to portray your business in the best way possible in the insurance marketplace to help drive down your insurance costs.
  4. During a claim, our staff is right there with you, walking you through the process and advocating to make certain you get the payment you’re owed.
  5. Being backed by one of the largest privately owned banks in the nation means decisions are made at the local level, and we can prioritize people and long-term growth over immediate profits.

By getting to know you and your business and working with you to figure out an insurance policy that gives you the right coverage at the best rate, we’ll help you protect what you’ve worked so hard to build.

Whether you need small business insurance or coverage for a large, niche operation, we’ll help you protect what matters with commercial insurance coverage options in your best interest, competitive pricing, stress-free claims, and the high-quality service you can expect from Bell.

Business Insurance

We’ll help you find the right coverage with comprehensive policies to fit your business, protect against losses and ensure continuing operations. With general business plans that cover property and vehicles, employees, workers compensation, liability and more, we also offer specialized coverage for a variety of industries.

Life & Health

One of the best things you can do to attract and retain quality employees is to offer competitive benefits, such as group health, life insurance, short- and long-term disability, dental and voluntary insurance. We’ll help you take care of your team with the insurance benefits they’re looking for.

Risk Management

Learning programs developed for your business around topics such as antidiscrimination, driver improvement and workplace safety can help you manage risk in your operation. Our high-quality risk management and training materials can help.

Find an Insurance Agent

To find out if you have the right coverage – or if you could save money on the coverage you have – work with an insurance agent who will put your best interest first – always.

Independently owned, we have unparalleled experience and expertise on policies designed to serve you, your family and your business in the best way possible.

We’re happy to provide free, no-obligation personal or business insurance quotes and tell you how much you could save – or increase your coverage – by switching to Bell Insurance.

Get a Quote