Employment Practices Liability Insurance

Two ladies working in a coffee shop

As a small business owner in the greater Duluth, Superior, Cloquet, and Hermantown region, you have a lot on your plate. From hiring and onboarding new employees to managing payroll, scheduling, and daily operations, your focus is often on the immediate needs of your business. However, safeguarding your business with the right Commercial Insurance is […]

Inflation and Increasing Replacement Costs

A couple stands together looking at damaged buildings. Text reads: "Have increased building costs put your personal insurance at risk of underinsurance?" The Reliable Insurance Agency logo is in the lower right corner.

There is one important question any property owner should be asking themselves every year. “Am I still properly insured?” Inflation and increasing replacement costs put you at risk of being underinsured! We take a look at this issue and hopefully steer you away from making this potentially very costly mistake. “Will insurance cover all costs […]

Stopping Elder Abuse

A younger hand gently holds an older hand, conveying care and support, with a soft, blurred background. This warm scene reflects the compassionate protection offered by Duluth Insurance Agency’s personal insurance.

Our agency’s Core Values direct us to be empathetic and involved in our community. For our Benefits Department, that means they strive to earn their trust by displaying empathy while laying out their options. Unfortunately, not everyone cares for our senior population the same way. Too often elderly individuals fall victim to maltreatment. Our agents […]

Decades of Successful Business

Banner for Reliable Insurance Agency featuring photos of a man in a suit labeled “Steve Micke” and a woman in glasses labeled “Val Wojtysiak,” with text: “Several Successful Decades of Personal & Business Insurance Service.”.

Reliable Insurance has been in business for nearly 50 years! In fact, 2024 will mark our 50th year of providing top-notch insurance to Cloquet, Hermantown, Duluth/Superior and surrounding communities. Our co-owners, Steve Micke and Val Wojtysiak, sat down recently to share what helped them with decades of successful business. They also shared some memories of […]

Our First Blog

Wooden hearts in pastel colors sit on a rustic wooden surface. Text reads, "Hello and welcome to our first blog! Reliable Insurance Agency—your trusted source for Business Insurance," with the company logo visible.

Hello and welcome to our first blog! Who is Reliable Insurance Agency? Ted Micke established our first office in Cloquet, MN in 1974. Since then, we have expanded our reach to serve more people in the Northland by adding two more offices – one in Hermantown, MN and another in Superior, WI. We have many […]

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.