
Protecting What Matters Most To You
Family-built in 1986 and covering all of Minnesota. You'll work directly with Pat and Spencer Bernauer — the same two people, every time, who'll know you by name rather than by policy number.

Pat Bernauer
Founder · Serving Minnesota since 1986
A Note From Pat
I started this agency in 1986, and I still answer the phone myself.
A lot has changed in nearly forty years. What hasn't is how we work. We're a small office and we're independent, which means we shop your coverage across a number of companies instead of selling you whatever one carrier wants us to move that month. If something isn't worth buying, I'll tell you that too — I'd rather keep a client for twenty years than win one sale.
My son Spencer works with me now, which makes this a second-generation agency — and between us we handle health and Medicare, home and auto, life, and commercial coverage for families and businesses across the whole state of Minnesota. Our offices are in the south metro and Northeast Minneapolis, but we're licensed statewide — you don't have to live down the road from us. You'll deal with one of us directly, every time — no call center, no getting passed around, and you won't have to explain your situation twice.
If you're not sure what you need, just call me. That conversation is free and there's nothing you have to buy at the end of it.
Pat Bernauer
952-457-5894What We Cover
Every one of these has its own page with a quote form that comes straight to our office.
We cover the entire state of Minnesota. Our offices are in Lakeville and Northeast Minneapolis and most of our clients are in Dakota, Hennepin, Scott, Ramsey and Rice counties, but the license is statewide — Duluth, Rochester, St. Cloud and Moorhead included. See every town we cover.
Ready to Get Protected?
Talk directly with Patrick or Spencer Bernauer - our family is here to protect yours. Get personalized advice and a free quote today.


