Specialty & High Risk Insurance

Have you been turned down by other insurance companies?

As an independent insurance agency, we have more options for high risk and specialty insurance.

Even if your current agent hasn’t been able to offer a policy that meets your needs, it doesn’t mean you or your event are uninsurable. Citizens Insurance Agency has the most options to ensure your assets are protected when others can’t.

Our Full Line of Specialty Insurance Options

High Risk Auto

If you’ve had more than 3 tickets in 3 years, been charged with DUI or Driving without Insurance, or have had multiple accidents, we can find you options for Auto Insurance. Don’t let past mistakes keep you from protecting your assets.

High Risk Commercial

If you’re entering a new or emerging market, if you are a business owner with less than 3 years experience in your market, or if you have a brand new product, you have choices with Citizens Insurance Agency. Learn how to protect your dream.

Events

We have options for: Fairs and Public Events, Grandstand and Spectator Liability, Weddings, and Special Events. Don’t let your special day become an event to forget.

Bonds

Contact our experienced team of insurance professionals for a great service and quality solutions.

Contact one of our agents today.

Scott A. Decker

President

Email: [email protected]

Phone: 320-234-0636

Employee Since: 1998

More About Scott A. Decker

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

Insurance Agent, CIC, CISR

Email: [email protected]

Phone: 320-234-0645

Employee Since: 2010

More About Joyce L. Cripps

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 three 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.”

Justin Barrick

Insurance Agent

Email: [email protected]

Phone: 320-234-0654

Employee Since: 2021

More About Justin Barrick

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.