Work hard, play hard.
Give Generously.

Reliable Insurance Agency is an independent agency designing personal and commercial policies to fit the unique needs of our clients.

We only represent the best insurance carriers and provide superior service to the Twin Ports and surrounding areas. Find us at our offices in Cloquet and Hermantown, MN, and Superior, WI.

We're Hiring

Enriching the Communities We Serve by Building Relationships

At Reliable Insurance Agency, we strive to provide our clients with the very best insurance products and financial services available. We proactively adapt to shifting market conditions, employing strategies to help our clients achieve desired protection and financial success.

Our Values

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Loyalty

When a client is overwhelmed and in need, we are the wind in their sails to get  them back on track.

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Synergy

We’re not a team because we work together, but because we respect, trust, and care for one another.

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Empathy

We put ourselves in our client’s shoes when addressing their concerns.

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Humbly Passionate

We relentlessly hone our craft to the benefit of our clients.

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Involved

We strive to be a valuable asset to the communities we serve through active engagement.

Decades of
experience

The early days

Established in 1974, Reliable Insurance Agency adheres to the highest professional standards of integrity, with fair and ethical dealings in our clients’ interactions. As an independent insurance agency, clients can rely on us to assist them in all aspects of their financial lives. We are committed to building and sustaining lasting, valuable relationships in and around Duluth, MN, and Superior, WI. Several clients have been with us since 1974 and some are carrying into their 2nd generation.

Reliable Insurance Agency added two offices to accompany our main office in Cloquet, MN. The insurance office in Hermantown, MN, opened in 2011, and the agency office in Superior, WI, opened in November, 2014. With our expansions, we are equipped to better serve our clients across the Northland! Whether clients have a question, need to sign documents, or just pay a bill, every office coordinates to conveniently meet their needs.

Our promise: “We’re True To Our Name.” We offer individuals and businesses a full breadth of highly responsive services. This includes all forms of insurance, financial planning, long term care, medicare supplement, wealth management, estate planning, and annuities and IRAs.

The Future

Reliable Insurance plays an integral part in our clients’ lives and business’s. Business and community leaders seek us out. We will be known throughout the state as a leader in the insurance marketplace. Reliable will have the best and most educated staff in the business. Our employees are dedicated and committed above and beyond all expectations. All who contribute to the success share the financial rewards.

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Half a Century
of Showing Up

For five decades, our crews have answered the call—day or night, rain or shine. This milestone belongs to them, and to every client who trusted us to get it done right.

Team Stories

Five people stand smiling behind a blue table with a “Northern Lights Foundation” banner at an outdoor event, promoting a children’s charity. A Duluth Insurance Agency flyer about Personal Insurance and a donation box are displayed on the table.

41st Annual BIG i MN North Region Golf Classic

Ellie, Karen, Kristen, and Kara joined Dr. Ken Larson of the Northern Lights Foundation at the 41st Annual BIG i MN North Region Golf Classic. Proud to support this amazing organization dedicated to helping families of children with life-threatening illnesses.

Two groups pose for photos. The top group from Reliable Insurance Agency holds a large check for ,046.24 made out to United Way of Carlton County. The bottom group stands indoors, smiling and holding an envelope for the camera.

Reliable Gives Back: Supporting United Way’s Mission

Our Cloquet office staff members proudly presented a check to the United Way of Carlton & Pine Counties, reflecting the generosity of our annual workplace campaign. Together, we can do so much more!

A collage of group photos showcases people smiling at a celebration, most wearing black “Reliable Insurance Agency” t-shirts. With balloons, a green backdrop, and some outdoor shots, everyone appears happy and friendly.

50th Anniversary!

Collage of photos from a golf event, featuring Duluth Insurance Agency, large group shots, smaller groups posing, a banner listing sponsors for BIG I Minnesota, and participants engaged in various golf activities outdoors.

41st Annual BIG i MN North Region Golf Classic

The 41st Annual BIG i MN North Region Golf Classic was another huge success, and we’re proud to be at the heart of this incredible event! From organizing the tournament to supporting the Northern Lights Foundation, this day exemplifies how we combine fun, teamwork, and community impact. Our involvement goes beyond the office—giving back and creating connections is at the core of who we are. It’s just one of the many ways we’re redefining what it means to be a truly Reliable agency.

Two people stand behind a table covered with a green cloth that reads "Reliable Insurance Agency. We're true to our name." The pair is smiling, representing your local insurance agency, and a basket with items sits on the table.

Steve & Val at Hermantown Summer Days

Reliable Insurance Agency is celebrating 50 years while Steve and Val celebrate 40 years at the agency! They stopped by our Hermantown office as we celebrated Hermantown Summer Days and handed out ice cream sandwiches to all who stopped by!

People gather outdoors at a park event under tents near a building. A banner in front reads "Senior Day in Cloquet," hosted by a local insurance agency. Tables with green bags are set up on the grass under a blue sky with trees in the background.

Senior Day in Cloquet

Every June, we team up with Northwoods Credit Union to host Senior Day in Cloquet, bringing the senior community together with dozens of local agencies offering support and assistance tailored to their needs. With delicious food trucks and live music from WKLK, it’s the perfect recipe for a fun and meaningful day

Choices You Can Trust

As an independent insurance agency, we have access to multiple insurance companies. So, we can offer our clients competitive pricing, multiple options, and unparalleled advocacy. We analyze and recommend programs that meet the unique needs of our clients.

We are dedicated to you and committed to treating you as a person, not a policy. 

Certified Insurance Counselor

The Society of CIC is a not-for-profit organization dedicated to professional insurance education. The Program provides an in-depth practical approach to education for insurance agents and other insurance practitioners. The CIC Program is designed to meet the practicing insurance professional’s need for technical knowledge in all areas of the insurance industry.

Certified Insurance Service Represent

The Society of CISR is a not-for-profit organization committed to filling the need for quality insurance education and training geared toward customer service representatives. CISR courses stress the understanding and analysis of risks and exposures.

Company Partners

We work with a vast array of company partners to market insurance policies and find the best option for you.

Disclaimers

Minnesota (MN)

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 99 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Wisconsin (WI)

Please be advised, we do not offer every plan available in your area. Currently we represent 6 organizations which offer Medicare products in this area. Please contact 1-800-MEDICARE, medicare.gov, or your local State Health Insurance Program to get information on all of your options.