Citizens Insurance Agency is an independent, full service insurance agency that has been providing insurance solutions to Minnesotans since 1934. From personal policies for your auto, home or life, to commercial and farm policies to protect your livelihood, we have the experience and expertise to make certain your assets are protected. Because we are an independent agency, we can find you the best value in insurance and can provide high risk insurance when others can’t.
Our values hold us to the highest customer service standards. We believe in treating people with honesty and respect, getting to know our customers, and forming lasting relationships based on mutual trust. No one likes buying insurance, so you may as well buy from someone you can trust, someone who will be there for you.
Scott A. Decker
Executive Vice President
Employee Since: 1998
Scott joined Citizens Insurance Agency in 1998, licensed since 1982. He manages the day to day operations of the agency. He continually strives to find new companies to work with to ensure customers are getting the best coverage for their dollar.
A Hutchinson, Minnesota native, Scott graduated from Hutchinson High School. He continued his college career at Wahpeton, North Dakota and Willmar, Minnesota. When he is not in the office he enjoys Ice fishing, hunting, and golf. He also volunteers at Meals on Wheels and for Disabled American Veterans (DAV).
"It’s all about working with great Companies that care about you insured’s. In today’s complex world, not one policy fits all! We need to customize policies for all insured’s needs and wants. We are problem solvers."
At Citizens Insurance we strive to give the best customer service to each and every one of our insured’s.
Please give us a call to review your insurance needs.
Joyce L. Cripps
Employee Since: 2010
Joyce joined Citizens Insurance Agency in January of 2010, licensed in Property & Casualty since 1996. She specializes in commercial and bond service. In 2008, Joyce successfully attained her Certified Insurance Counselor (CIC) designation from the National Alliance for Insurance Education and Research. The CIC designation is to communicate the experience, professionalism, and commitment to those she serves. Joyce is a past President and board member of the Hutchinson Area United Way and an active church member if New Journey, UCC.
Joyce was born in Litchfield and grew up in Plato. She is a graduate of Glencoe High School. She had previously worked in the banking business for 15years before becoming an insurance agent. She has three children and has been married to Scott Cripps since 1988. Outside of the office, she enjoys her two granddaughters, family time, hockey, the sport of motocross and traveling.
“I truly enjoy the ever changing world of insurance and it is exciting to be part of this knowledgeable team of insurance professionals here at Citizens Insurance Agency. It is my mission to provide people with the best insurance products and outstanding customer service.”
Charlie joined Citizens Insurance Agency in January of 2010. Charlie has more than 43 years of Insurance experience. He is licensed in property, casualty, and life insurance for personal and commercial markets. Charlie’s specialty lies in Ag/Farm Insurance.
Charlie grew up on a farm near Slayton, Minnesota which is in the southwest corner of the state. He graduated from Slayton High School and went on to Granite Falls Vo-Tech. After Vo-Tech he went back into farming. In 1974 he started in the Insurance industry.
In 1984 Charlie and his family moved to Lester Prairie where he still resides with his wife. When not working Charlie enjoys working with wood, golfing, gardening with his wife, but mostly spending time with any of his 4 children and 9 grandchildren.
Charlie is a member of the Lester Prairie Lions Club, he is on the Prairie Days committee as well as the Music in the Park committee, both in Lester Prairie. Charlie and his wife are members of the Parish of Holy Trinity Catholic Church in Winsted where he is also an over 50-year member of the Knights of Columbus.
“I love working with people and helping them with their insurance needs. I enjoy helping them figure out what their insurance needs are. With my farming and insurance background, I am qualified to advise them on the insurance program that will best fit their needs."
Employee Since: 2021
Justin joined Citizens Insurance Agency in January of 2021, licensed in Property & Casualty and Life Insurance, specializing in Personal Lines.
Justin was born and raised in Hutchinson, MN and graduated from Hutchinson High School. He attended the University of Minnesota – Twin Cities. While at the University of Minnesota he worked in the Athletic Department, primarily with Football, in the Athletic Training and Equipment Rooms. Eventually earning a letter and membership into the “M Club.”
He and his significant other, Anna, reside in Hutchinson. He is involved with Crow River Golf Club as a member and an officer on the Board of Directors. He is also the Tournament Director for the Barrick Charity Golf Classic, a local golf tournament raising funds for mental health research and awareness he founded with his brothers.
In his spare time, he spends a lot of time at his grill and smoker or on the golf course.
Betty has been with Citizens Insurance since 2013.
Responsible for transacting personal insurance lines, organizing, filing, daily mail, making the requested changes to policies and quoting personal line policies.
In June of 2016, Betty became a licensed Insurance agent.
Betty was born and raised in Cokato, MN and graduated from Dassel-Cokato High school. Married to Paul since 1996 and has 3 children. Currently residing in Silver Lake, Betty is a member of the Pool and Parks Committee and Holy Family Catholic Church.
In her spare time, she enjoys walking, biking, camping, and attending her children's activities and family time.
Employee Since: 2016
Juli was born and raised in Hutchinson and graduated from Hutchinson High School, she continued her education at St. Cloud State University, graduating with a Bachelor's degree in accounting. She has worked in various industries as an accountant for over 25 years.
In Juli's spare time, she enjoys working in the yard and volunteering with the Heart Of Minnesota Animal Shelter.