Founded in 1979, Cartier Agency has grown into a leading independent insurance agency because of our commitment to provide our clients with friendly, personal service and expertise in all areas of the insurance industry. While we're located in Minnesota, we can service clients throughout the United States. Currently we have customers in 35 states. Our team of professionals represents many years of experience in personal, commercial, life and health insurance. We work hard to build strong relationships with our insureds so they will have confidence in our management of their insurance plans. Cartier Agency has built a reputation of trust and integrity. We believe in becoming an integral part of our community. As a group we have served on many community boards and committees, belonged to numerous service organizations and contributed to the betterment and well-being of the Duluth area. We are a family-based business and look forward to providing insurance plans to our clients well into the future.
The Cartier Agency provides home, auto, farm, life, health, recreational vehicle and trucking insurance along with workers compensation
What if I can't go back to work or my employer fires me or won't take me back after I have healed?
If your doctor says your injury has caused permanent restrictions (like restrictions on lifting, bending or standing), then you receive additional benefits based on the amount of disability the doctor states. If your employer has a job within those permanent restrictions, it must offer that job to you or be subject to a penalty. But if there is no work within your restrictions, the employer does not have to take you back. You may also be entitled to more benefits because you cannot go back to your job or you may get retraining benefits to send you back to school so that you can get a job that pays as much as the job you lost.
How do I know my loved one needs nursing home care?
The first step is to have an assessment of their care needs. Our admissions coordinator will complete this assessment and walk you through the steps of placement. This will allow us to understand the individual care needs and personalize the services.
From Cartier Agency
How can I get questions answered about the Affordable Care Act?
We recommend that people start with speaking to a trained professional. Trained insurance professionals or a navigator with MN Sure can help you determine if you are eligible for a variety of programs which have become available because of the Affordable Care Act. There are a lot of factors to take in consideration; like monthly premiums, deductibles, out-of-pocket expenses, co-pays and most importantly, which doctors one may see. A trained insurance professional may help you navigate through all of the changes of the Affordable Care Act and find a plan that works for you.
How do I choose a rehabilitation facility?
Finding a place for a family member after a hospitalization, injury or illness can be a difficult task. They may be unable to live independently and require inpatient care in the short or long term. The most important thing to do is take a tour of the facility. Ask questions of the staff and Admissions Coordinator and be sure to address any special needs. We suggest you tour more than one place to find the best one for you.
From Cartier Agency
How can I save money on my auto insurance premiums?
By getting your defensive drivers certificate, you not only become a more attentive driver, you will also receive a discount on your insurance premium. Another way to save money on your annual auto premiums is to look at raising your deductibles on comprehensive and collision coverage. The higher the deductible means the lower the premium. Again, insuring your home and auto together with one company will save you money on your annual insurance premiums” multi-policy discount.