Insurance FAQ’s

Click Question to See Answer

What does an Independent agency mean?
Independent means that we have many companies we are able to write business with and are not restricted to just one. 

How long does it take to get a personal line quote? A commercial quote?
 A Personal line quote will take 24-48 hours depending on the products needed and a Commercial quote can be more time consuming and take longer depending on the type and size of business we are quoting.

What products does your agency offer?
 We are a full line agency offering all Personal and Commercial Insurance, Life, Health, Long Term Care, Disability, Critical Illness, Annuities, Bonds, Identity Theft/Legal Shield products, Special Events, and more.

How long have you been in business and what qualifications do the agents have?
 We have over 35 years of combined insurance experience. Our agency specializes in both personal and business insurance, as well as financial products. To learn more go to our Insurance Agents” page.
What states can you write business in?
MN & WI 

Are your companies’ price and quality competitive?
Because we are independent, we have many more options than “Captive agents” since we can quote with multiple companies, finding the best product at the most competitive price.

How involved is your agency within the community?
We are involved in networking groups and the Woodbury Chamber of Commerce. As Ambassadors of the chamber, we attend new business ribbon cuttings to welcome new business owners into the community. We love volunteering! Some past opportunities we have been involved with are food drives, Woodbury Days, The Woodbury Community Foundation, we raised $50,000 for the Woodbury YMCA for under privileged youth, Knights of Columbus as well as supporting local school sports teams.

How can I pay my premiums?
We make it easy! You can call our office, send in a payment directly to the Insurance Company, pay online or have your payments automatically withdrawn each month.

Scenario: I only have one policy with the agency. Could I still come into the office and hold an annual or semiannual review with an agent so I feel comfortable with my coverage?
 Absolutely! Big or small, we welcome each and every customer to come in and meet with us to go over policies and ask any questions so they feel comfortable and have peace of mind when they leave knowing they are covered! 

How is Ostrowski Insurance different than other agencies and what value added services are offered?
 We represent our clients, not the insurance companies. We are not “part time agents” and for your convenience we are available 24/7, when not in the office you can reach us on our personal cell phones for emergencies. We pride ourselves in educating our clients on the products we are selling, NOT just trying to sell the lowest priced product. We also offer many valuable resources including a blog, a Facebook page, resources on our website, materials to send home with customers and a quarterly newsletter. We are an interactive agency with unique experience to ensure our customers are happy and well taken care of. In addition, we offer a few key products that many agencies do not such as an exclusive Identity Theft and Legal Shield product.