WhatsApp Image 2022 04 22 at 1.38.58 PM Individualized service for each client with an industry leading claims service and a hands-on approach.

We specialize in personal products such as home and auto insurance but have the ability to provide you with nearly any product you request.

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Highly certified staff

We make sure to give our clients the right advice with all our skills

From the time they walk in through their training and certification to becoming a member on-site or working towards an advanced degree, all of our staff is highly trained in the field of insurance.

Wide range of products

We offer a wide range of products that covers every individual's needs

Because we’re an independent insurance firm, we have access to a wide range of insurance products to meet the needs and preferences of every client.

Tailored insurance plans

Imagine if your plan was just right for your requirements

There are no one-size-fits-all when it comes to insurance. We know that every person has unique needs and wants which is why our team of experts can create tailored plans just for you!

Educational Approach

Educating is a key factor to getting the right knowledge of your risks

We educate our clients about different insurance concepts rather than force them to buy a financial product. This enables us to build long-lasting high trust relationships with clients.

Innovative Insurance

Innovative Insurance Services, LLC aim to Provide Expert care and Quality Service.

We are a customer-focused agency.

Innovative Insurance Services LLC, based in Shakopee, believes our greatest asset is the relationships we build with our clients & dedicate to being the right choice for all your insurance needs. We’ve built our agency on the idea that relationships make us strong, and we want to be your trusted partner in life. We’ll work hard every day, so when it comes time for you to think about insurance again or decide where best fit into this industry’s ever-changing landscape.

We take pride in our ability to tailor a comprehensive insurance package that maximizes your insurance protection while minimizing money out of your pocket. We work hard every day, so we can help make sure the best options are available at an affordable price point – not one where it doesn’t feel like there’s enough protection or peace of mind.

As an independent insurance agency, we affiliate with multiple industry-leading companies. These partnerships allow us to provide our clients with better coverage at a competitive price. It means we can offer you better coverage at a competitive price, which is what we’ve done for all those who have trusted us over time! When there is a loss, it’s our job to ensure that everything goes fluidly so that your claims get fair, prompt payment and service from start to finish.


You can count on us for high-quality services because our experts have been in the industry long enough to know what matters most to you: good customer service and quality guidance.

Our values

We are experienced, reliable and professional.

We want to help ensure that we have a positive impact on people’s lives by not just ensuring they have a healthy smile but also giving them the confidence they deserve with our expertise!

Local agency right in your backyard

Knowledgeable agents and staff

Wide variety of insurance products and companies

Top-notch claims support

Click & Learn

Home Insurance

Lost Passport Coverage

Risk Factors

While on vacation in Europe, you lose the tote bag that has everyone’s passports.


Your homeowners policy can help with the cost of replacing passports and other valuable papers.

Fire Coverage

Risk Factors

You act quickly and prevent a grease fire from getting out of control, but smoke damages the counters and cabinets in your kitchen.


Property coverage in your policy can help if your house is damaged by fire and/or smoke.

Theft Coverage

Risk Factors

You return from a family vacation to discover thieves have stolen electronic equipment from your media room.


If your possessions are stolen, damaged or destroyed in an insured loss, your coverage can help replace them, up to the policy’s stated limits.

Medical Payments Coverage

Risk Factors

A guest at your annual Fourth of July barbecue trips on your steps and fractures his wrist when he falls against a stone retaining wall.


Medical payments coverage can cover the medical costs if a visitor is hurt on your property, regardless of liability.

Additional Living Expenses Coverage

Risk Factors

You heard the warning sirens and escaped uninjured, but you can’t live in your house while tornado damage is repaired.


Coverage for additional living expenses can help with the extra cost of a temporary relocation caused by a covered event.

Personal Articles Floater

Risk Factors

You mastered the basics of surfing during lessons in Hawaii, but you lost your wedding ring in the ocean.

If you have a personal articles floater covering jewelry, your ring will be replaced up to the policy limit with no deductible.

Property coverage

Risk Factors

You’ve lit several candles — which unintentionally start a small fire in your apartment.


Personal property coverage under your Renters policy will pay to replace the items that are damaged by smoke or fire.’



We are Committed to Protecting Your Dreams

Report A Claim

We'll help through the process of claim from start to finish

Auto ID Card

Need a copy of your auto ID card we can help

Request Certificate

Need your insurance proof, let’s help you get that quickly

Policy Review

Compare your current plans and possibly get more options


Jeremy White
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I have been a customer since 1997. These people are the most professional, courteous, and responsive that I have ever worked with in any industry. I have and will continue to tell everyone I know to switch to them!! Thanks guys!! My insurance is one thing in my life I know I never have to worry about.
Patty O'Reilley
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Switching my insurance with Innovative Insurance has been so easy and saved me a bunch of money while getting better coverage. I highly recommend Scott at Innovative Insurance. You won't be sorry. Give them a try, what do you have to lose? Seriously better coverage and less money.
Nichol Kamholz
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I've always received competitive rates and excellent customer service! Would definitely recommend innovative Insurance to friends! When I needed roadside assistance, my agent got back to me personally and promptly. Happy customer! I highly recommend them.
Nicole Elliott
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Great to work with, we use Innovative for both our business and personal insurance needs. Everyone there is always friendly and super helpful, I would highly recommend them!

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Shakopee, MN

We extend coverage to individuals and businesses in Shakopee, MN and surrounding areas.

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