No two businesses are the same. Why settle for insurance that treats them that way?
Allow us to help you protect the business you’ve worked so hard to build.
Different businesses have different insurance needs. That’s why you need an agent who is experienced with commercial insurance and knows how to help you navigate through all the options. Citizens Insurance Agency has been helping businesses since 1934, and we have the agents with the expertise you need to protect your company.
From ‘mom and pop’ shops to large corporations, we know commercial insurance. We offer a complete range of commercial insurance products, including:
- Commercial Property
- Loss of Income
- Worker’s Comp
- Electronic Data Processing
- Commercial Automobile
- Commercial Umbrella Insurance
Contact one of our agents today to discuss your commercial insurance needs.
Deal with an agent who has the knowledge and experience to protect your livelihood.
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.”
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.