Untitled (1024 × 743 px) (1200 × 650 px) (3)

Auto Insurance

Auto Insurance provides the state required coverages should your vehicle be involved in a road accident.

Property Insurance

Homeowners Insurance is a combination of insurance for the structure (house), household personal property, limited out building, and personal liability.

Commercial Insurance

Commercial is a group of insurance that takes into account the exposure risks of running a business.

Welcome to Flom Insurance Agency

Flom Insurance Agency is dedicated to providing insurance to our clients with a personal approach. Established by Corey and Cassandra Hoseth in 1999 as a combination of seven smaller agencies, Flom Insurance Agency provides property/casualty insurance to individuals, sole proprietors, partnerships, corporations, and business owners, to all ages. Although the business is located in Flom, Minnesota, it covers a large area including Minneapolis/St. Paul, Fargo/Moorhead, Grand Forks, Grand Rapids, Bismark, and in between. Insurances sold include Homeowners, Renters, Personal Liability, Personal Auto, Boat, Recreational Vehicles, Flood, Agricultural properties, Farms, Business Owners, Commercial Property, Commercial General Liability, Workmans Comp, Commercial Auto, Crop Hail, Errors and Omissions.

Welcome to Flom Insurance Agency

Meet the team at Flom Insurance Agency:

Corey Hoseth

Corey has been in the insurance industry since 1999. He was raised in a farming family and continues to live in the Flom area. For this reason, Corey has a thorough understanding of rural and farm risks, and specializes in homeowners, farm, and crop insurances. He has degrees in electronics and industrial distribution.

Interesting fact: He has a farm machinery brochure collection that dates back 40 years.

Cassandra Hoseth

Cassandra started helping out with insurance back in 1998 and got officially licensed. She was born in Montana and moved to Waubun as a child. Besides insurance, she has over 20 years of experience in education. She started full time at the Flom Insurance Agency in 2020. Cassandra concentrates on vehicle and commercial insurances.

Interesting fact: She can speak Spanish.

Kathy Varty

Kathy joined the team at Flom Insurance Agency in 2020. She is originally from the Twin Valley/Flom area, as well. Kathy has over 20 years of work experience as an administrative assistant. She specializes in customer service and office management tasks on a regular basis, and helps our office processes run smoothly.

Interesting fact about Kathy: She can strike a conversation with ANYONE.

OUR MISSION

It is important to us that our clients have appropriate protection for their interests. We aim to do this by accurately assessing needs and servicing those needs in a friendly and honest manner.

If it is important to you, it is important to us!

Why Choose Us:

Service individuals, sole proprietors, partnerships, corporations, businesses
Serve both urban and rural clientele
Work with all ages, students to retirees.
Service policies by making changes, working with banks, mortgage companies, and insurance carriers
Provide certificates of insurance for commercial customers

Insurance Services

Our company is committed to providing exceptional assistance in determining insurance needs.

Commercial

Commercial is a group of insurance that takes into account the exposure risks of running a business. This type of policy lets the owner purchase the best coverages for the risk. There are several policies that fall into this category: Commercial property, commercial liability, commercial auto, workers comp, and commercial umbrella. Many companies offer package policies for qualifying business that combine property and liability coverages. Commercial auto takes into consideration the specialized vehicles, and specialized transportation and hauling involved in a business. This policy also rates not only the owner of the business, but also the employees that operate the vehicles. Workers comp is an insurance required to provide coverage for employees injured while performing work related tasks. A commercial umbrella offers protection above and beyond the limits of the underlying policies.

Homeowners

Homeowners Insurance is a combination of insurance for the structure (house), household personal property, limited out building, and personal liability. Additional optional endorsements can be purchased such as: fire call coverage, back up of water/sewer, submersible pump coverage, boat and /or recreational vehicle liability, and more. Inland marine can also be purchased to cover high value items like wedding rings or medical equipment. Insured perils can vary from policy to policy depending on the qualifications of the home. This can range from basic fire and wind perils to more comprehensive lists of loss causes such as snow load or vandalism.

Agricultural Properties

Agricultural Properties require insurance tailored to the industry. Farms usually include a house, outbuildings, grain bins, machinery, grain, and livestock. A farm typically owns many acres of land which spreads out a farmers liability. A farm policy allows the insured to purchase coverage on each item. Often an agricultural policy includes a blanket coverage for all of the tools, grain, livestock, and machinery found on the farm’s inventory. Because of the size of the risk, a liability policy that is geared towards agriculture is advisable.

Personal Auto

Personal Auto Insurance provides the state required coverages should an accident occur. At a minimum, this policy gives liability coverages to a car that include Bodily Injury/ Property damage liability, Uninsured/Underinsured Motorist coverage, and Personal Injury Protection. Additional coverages such as Comprehensive, Collision, and Rental Reimbursement can be purchased. Insurance companies can even offer roadside assistance.

Boat and Recreational Vehicles

Boat and Recreational Vehicles Insurance can be purchased as a stand alone in some companies. In others, these vehicles can be covered on a personal auto policy. Many Homeowners policies also offer the ability to cover boats and recreational vehicles for the value and liability of the vehicle. This insurance provides coverage for the value of the item and the liability for causing damage during the operation of the covered transport.

Renters

Renters Insurance is a policy that only covers household personal property and personal liability. This insurance assures that in the event of a covered loss, the renter can replace the damaged personal items. Personal property is covered at predefined sub-limits of the policy. Many of the same endorsements can be added to the coverages that are offered for homeowners policies for a premium.

Flood

Flood Insurance is a stand alone policy that is underwritten by the federal government. No standard homeowners policy covers losses due to flooding. Most properties can purchase flood insurance but properties located within certain flood zones may be required to purchase this insurance. This insurance is very limited in what is covered but provides protection against a catastrophic loss.

Errors and Omissions

Error and Omissions Insurance, also known as professional liability, provides protection for a business should it be found liable for committing a mistake resulting in a financial loss to a client. This includes mistakes such as recommending and or selling an inappropriate product or delivering the wrong product to a client and a financial loss results.

Personal Liability

Personal Liability coverage can be purchased in combination with other policy types such as Homeowners, Dwelling, or Renters. This coverage provides financial protection should the insured be found negligent in the obligations to maintain safe property.

Crop/Hail

Crop/Hail Insurance provides coverage for crops. In our agency it is sold as a stand alone policy. It provides financial protection against reduced yields due to hail damage.

Why you should choose Flom Insurance Agency to protect what you love:

We get to know you and what is important to you.

If it is important to you, it is important to us! We work so that our clients have appropriate protection for their interests by accurately assessing needs and servicing those needs in a friendly and honest manner.