Disability insurance companies in Minnesota play a crucial role in financial protection, catering to the needs of individuals and families facing work-related challenges. These firms offer protection through various products, including short-term and long-term disability insurance, health and life insurance, and job-related coverage. With an increasing awareness of income protection and financial security, the industry anticipates growth driven by a rising workforce and emerging solutions tailored for specific industries. This focus on innovation is likely to enhance customer experiences and drive competition among insurers, as providers strive to meet unique demands.

The companies listed here span a range of sizes, from small boutique firms to larger agencies, each headquartered in Minnesota. Founded between 1934 to 2019, they specialize in various insurance offerings, focusing particularly on disability coverage. The workforce of these companies varies significantly, providing insights into their operational scopes and commitment to client needs, underscoring the robust nature of Minnesota's disability insurance sector.

Continue reading to learn about the top disability insurance companies in Minnesota.

Top 19 Disability Insurance Companies in Minnesota

1. Capitas Financial

• Website: capitasfinancial.com
• Ownership type: Private
• Headquarters: Minneapolis, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2001
• Headcount: 201-500
• LinkedIn: capitas-financial

Capitas Financial Inc., founded in 2001 and based in Minneapolis, Minnesota, operates as an insurance brokerage and financial advisory firm. The company specializes in a range of insurance products, including life insurance, annuities, and notably, disability insurance. Capitas Financial serves financial institutions, brokers, and advisors, providing them with the tools and support necessary to enhance their service offerings. Their Disability Insurance Desk is a key feature, facilitating a comprehensive suite of services that includes quotes, underwriting, and policy management. This structured support is designed to assist clients in navigating the complexities of disability insurance, ensuring that their financial goals remain protected in the event of unforeseen circumstances. With a workforce of approximately 188 employees, Capitas Financial maintains a strong presence in the insurance market, focusing on advanced planning and case management to meet the evolving needs of their clientele.

2. Hallett Financial Group

• Website: hallettfinancial.com
• Ownership type: Corporate
• Headquarters: Minneapolis, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: January 2022
• Founded year: 1990
• Headcount: 11-50
• LinkedIn: hallett-financial-group

Hallett Financial Group, known as Highland Capital Brokerage, is a financial services firm based in Minneapolis, Minnesota, founded in 1990. The company specializes in life insurance, annuities, longevity planning, and notably, disability insurance. With a team of around 20 employees, they focus on providing innovative solutions and comprehensive support to financial advisors and agents. Their services include advanced planning, case management, and marketing resources, all aimed at helping advisors navigate complex financial products. Highland Capital Brokerage emphasizes the importance of disability insurance, recognizing it as a critical component of financial planning for working Americans. They partner with various carriers to ensure that they can offer tailored solutions that meet the unique needs of their clients. Their commitment to education and support further solidifies their role in the industry, making them a relevant player in the disability insurance market.

3. CBS Brokerage

• Website: cbsbrokerage.net
• Ownership type: Private
• Headquarters: Shakopee, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2007
• Headcount: 11-50
• LinkedIn: cbs-brokerage

CBS Brokerage, founded in 2007 and based in Shakopee, Minnesota, is a private insurance brokerage firm that provides a range of financial services. The company specializes in life insurance, annuities, disability insurance, and long-term care solutions. They cater primarily to institutional and independent advisors, offering advanced planning and risk management strategies to help clients achieve financial security. CBS Brokerage emphasizes collaboration and expertise, working closely with agents and advisors to design tailored disability insurance solutions. Their focus on case design and product selection, along with their advocacy in underwriting, showcases their commitment to effectively managing the financial risks associated with disability events. With a team of 22 employees, CBS Brokerage has established itself as a knowledgeable resource in the insurance industry, particularly in the area of disability insurance.

4. North Star Resource Group

• Website: northstarfinancial.com
• Ownership type: Corporate
• Headquarters: Minneapolis, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: $42.0M, September 2019
• Founded year: 1908
• Headcount: 201-500
• LinkedIn: north-star-resource-group

North Star Resource Group, founded in 1908, is a financial services firm based in Minneapolis, Minnesota. The company provides a wide array of services, including financial planning, investments, and various types of insurance, such as life and disability insurance. With a workforce of approximately 382 employees, North Star serves individuals, families, business owners, and specialized professionals like physicians and lawyers. Their approach is centered on helping clients achieve financial security and manage their financial health effectively. The firm has also received significant funding, amounting to $42 million in 2019, which underscores its growth and operational capabilities. North Star's commitment to community involvement is evident through its charitable foundation, which has contributed millions to various causes. This blend of financial services and community engagement positions North Star as a notable entity in the financial services industry.

5. Aris Group

• Website: arisbenefitgroup.com
• Ownership type: Private
• Headquarters: Bloomington, Minnesota, United States (USA)
• Founded year: 2014
• Headcount: 11-50
• LinkedIn: aris-benefit-group

Aris Group, operating under the name Aris Benefit Group, is an insurance agency based in Bloomington, Minnesota. Founded in 2014, the company specializes in a wide array of employee benefits and individual insurance products. Their offerings include health, dental, vision, life, and notably, disability insurance. Aris Group aims to streamline the benefits administration process for businesses, helping them enhance their employee benefits packages. They work closely with clients to provide tailored coverage options that meet specific needs. The company prides itself on its consultative approach, ensuring that both employers and employees understand their options and receive ongoing support throughout the insurance process. With a team dedicated to optimizing benefits solutions, Aris Group has established itself as a relevant player in the insurance industry, particularly in the area of disability insurance.

6. Aris Group

• Website: ag-benefits.com
• Ownership type: Private
• Headquarters: Bloomington, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2014
• Headcount: 11-50
• LinkedIn: aris-benefit-group

Aris Group, operating under the name Aris Benefit Group, is an insurance agency based in Bloomington, Minnesota, founded in 2014. With a team of 11 to 50 employees, the company specializes in a wide array of employee benefits and individual insurance solutions. Their offerings include health, dental, vision, life, and notably, disability insurance. Aris Group aims to assist both businesses and consumers in navigating the complexities of insurance coverage, ensuring that tailored solutions meet the unique needs of each client. The firm prides itself on its consultative approach, working directly with employees to educate them on their benefit options and streamline the enrollment process. This focus on personalized service and support is a key aspect of their operations, particularly in the disability insurance space, where understanding coverage nuances is essential for clients. Aris Group has not reported any funding, indicating they operate as a private entity without external financial backing.

7. Heartman Insurance

• Website: heartman.com
• Ownership type: Private
• Headquarters: Rochester, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1963
• Headcount: 11-50
• LinkedIn: heartman-insurance

Heartman Insurance, established in 1963, is a private insurance agency based in Rochester, Minnesota. With a workforce of 11 to 50 employees, the company serves individuals, families, and businesses across the Upper Midwest. Heartman Insurance offers a comprehensive range of insurance products, including auto, home, life, health, and business insurance. Notably, the agency provides disability insurance under its life and health insurance category, highlighting its commitment to safeguarding clients against unforeseen circumstances that may hinder their ability to work. The agency prides itself on building lasting relationships with clients, ensuring that they receive tailored insurance solutions that meet their specific needs. Heartman Insurance operates multiple offices in Minnesota, enhancing its local presence and accessibility for clients seeking personalized service.

8. Dyste Williams

• Website: dystewilliams.com
• Ownership type: Corporate
• Headquarters: Minneapolis, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: March 2025
• Founded year: 1934
• Headcount: 11-50
• LinkedIn: dystewilliams

Dyste Williams is an independent insurance agency based in Minneapolis, Minnesota, established in 1934. With a family-owned legacy spanning four generations, the agency specializes in providing comprehensive insurance solutions tailored to both business and personal needs. Their offerings include business insurance, employee benefits, life insurance, and disability insurance. Dyste Williams prides itself on delivering responsive service and competitive pricing, working with a range of premier insurance carriers. The agency has built a strong reputation in the Upper Midwest, particularly among sectors such as healthcare, technology, and non-profits. Their commitment to customer service is evident in their proactive approach to risk management and insurance planning, ensuring clients receive the best possible coverage for their unique situations.

9. Ross Nesbit Agencies, Inc

• Website: nesbitagencies.com
• Ownership type: Family Owned
• Headquarters: Minnetonka, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1974
• Headcount: 51-200
• LinkedIn: ross-nesbit-agencies-inc

Ross Nesbit Agencies, Inc., based in Minnetonka, Minnesota, has been serving clients since 1974. This family-owned insurance agency provides a wide array of insurance solutions tailored to both businesses and individual consumers. Their offerings include business insurance, personal insurance, and employee benefits, with a notable focus on personalized service. The agency operates across multiple states, ensuring that clients receive customized solutions to meet their unique needs. With a team of approximately 65 employees, they pride themselves on their local knowledge and commitment to customer service. Their employee benefits section includes disability insurance, which is part of a broader suite of group health, dental, and vision plans. This agency has built a solid reputation over nearly five decades, emphasizing the importance of understanding the risks and challenges faced by their clients.

10. Minneapolis Financial Group

• Website: minneapolisfinancialgroup.com
• Ownership type: Private
• Headquarters: Minneapolis, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2008
• Headcount: 51-200
• LinkedIn: minneapolis-financial-group

Minneapolis Financial Group, founded in 2008 and based in Minneapolis, Minnesota, is a private financial services firm that specializes in a variety of financial management solutions. With a team of around 22 employees, the company caters to both individuals and businesses, helping them navigate financial complexities through tailored planning and advice. Their service offerings include retirement planning, wealth accumulation strategies, and various insurance products, notably disability income insurance. This insurance product is designed to provide financial protection in the event of a disability, reflecting the firm's understanding of the importance of safeguarding clients' financial futures. The company collaborates with other professionals, such as tax advisors and attorneys, to ensure comprehensive financial strategies for their clients. While they do not report any recent funding, their sustained operation since 2008 indicates a stable presence in the financial services industry.

11. Insurance Brokers Of Minnesota

• Website: insurancebrokersmn.com
• Ownership type: Private
• Headquarters: Anoka, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1998
• Headcount: 51-200
• LinkedIn: insurance-brokers-of-minnesota

Insurance Brokers Of Minnesota, founded in 1998 and based in Anoka, Minnesota, is a private insurance agency with a workforce of approximately 57 employees. The company operates multiple locations throughout Minnesota, emphasizing personalized service and community engagement. They offer a comprehensive suite of insurance products, including personal, business, and health insurance solutions. Notably, their health and benefits section includes disability insurance, short-term disability coverage, and group health plans. This agency collaborates with over 50 top-rated insurance companies, allowing them to provide tailored insurance solutions to both individual consumers and businesses. Their commitment to risk management and customer service is evident in their 24/7 claims support, ensuring clients receive assistance whenever needed. Insurance Brokers Of Minnesota aims to help clients navigate their insurance needs effectively, making them a notable player in the insurance market.

12. Cartier Insurance

• Website: caduluth.com
• Ownership type: Private
• Headquarters: Duluth, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1979
• Headcount: 11-50
• LinkedIn: cartier-agency

Cartier Insurance, officially known as Cartier Agency, Inc., is a private insurance agency based in Duluth, Minnesota. Founded in 1979, the agency has built a reputation for providing a variety of insurance solutions tailored to both businesses and individual consumers. Their services include business insurance, trucking insurance, home and auto insurance, and employee benefits. The agency prides itself on its commitment to customer service and has a team of professionals with extensive experience in personal, commercial, life, and health insurance. Cartier Insurance serves clients across the United States, emphasizing strong relationships and community involvement. They represent multiple insurance providers, allowing them to offer a range of options to meet client needs. Their employee benefits section includes health, life, and disability insurance, showcasing their capability in this area, although it is not their primary focus.

13. Miller Hartwig Insurance

• Website: millerhartwiginsurance.com
• Ownership type: Family Owned
• Headquarters: Lakeville, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1983
• Headcount: 11-50
• LinkedIn: miller-hartwig-insurance

Miller Hartwig Insurance, established in 1983, is a family-owned insurance agency based in Lakeville, Minnesota. With a team of approximately 30 employees, the agency specializes in providing a wide array of personal and business insurance products. Their offerings include auto, home, and life insurance, as well as commercial insurance solutions tailored for businesses of various sizes. Notably, they also provide individual disability insurance, which is crucial for clients seeking financial protection against loss of income due to disability. The agency prides itself on delivering customized insurance solutions and risk management assistance, ensuring clients have the necessary coverage to protect their assets. Their agents average 15 years of experience, reflecting a depth of knowledge in the insurance industry. Miller Hartwig Insurance operates multiple offices across Minnesota, enhancing their local presence and accessibility to clients.

14. Flagship Insurance Services, Inc.

• Website: flagshipinsuranceservices.com
• Ownership type: Private
• Headquarters: Winsted, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1945
• Headcount: 11-50
• LinkedIn: flagship-insurance-services-inc

Flagship Insurance Services, Inc., based in Winsted, Minnesota, has been operational since 1945. This private insurance agency specializes in a wide array of insurance products tailored for both individuals and businesses. Their offerings include health, life, auto, and notably, disability insurance. The company prides itself on delivering customized insurance solutions, emphasizing customer satisfaction through attentive service. With a team of 11-50 employees, Flagship Insurance Services operates primarily within the United States, focusing on building long-term relationships with clients. They are recognized for their proactive approach in assessing client needs and providing comprehensive coverage options. As an independent agency, they partner with various insurance providers, allowing them to offer competitive plans that align with their clients' financial and coverage requirements.

15. IFC National Marketing

• Website: ifcnationalmarketing.com
• Ownership type: Corporate
• Headquarters: Coon Rapids, Minnesota, United States (USA)
• Employee distribution: United States (USA) 96%, India 4%
• Latest funding: January 2021
• Founded year: 2003
• Headcount: 11-50
• LinkedIn: ifc-national-marketing-inc

IFC National Marketing, based in Coon Rapids, Minnesota, was founded in 2003 and operates as an insurance marketing organization. The company specializes in providing a wide array of insurance products and services to independent agents and brokers. Their offerings include individual health, Medicare, life insurance, long-term care, and disability insurance. IFC National Marketing aims to enhance the business operations of agents by providing expert guidance, marketing tools, and access to over 110 carrier partnerships. This extensive network allows agents to better serve their clients' needs, including those related to disability insurance. The company emphasizes a commitment to supporting agents through personalized service and resources, helping them navigate the complexities of the insurance market.

16. MD Financial (US)

• Website: mdfinancialadvisors.com
• Ownership type: Private
• Headquarters: Chanhassen, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2011
• Headcount: 11-50
• LinkedIn: md-financial-advisors

MD Financial Advisors, based in Chanhassen, Minnesota, is a private financial advisory firm founded in 2011. With a team of around 20 employees, the firm focuses on delivering tailored financial solutions specifically for doctors. Their services include investment strategies, retirement planning, and notably, disability insurance. MD Financial recognizes that a doctor's income is often their most significant asset, and they emphasize the importance of protecting this income through appropriate insurance coverage. The firm aims to simplify complex financial matters for their clients, ensuring that medical professionals can manage their finances effectively and secure their financial future. They have built a reputation for understanding the financial pressures faced by doctors, particularly those related to student loans and income protection, making them a relevant player in the disability insurance market.

17. Ochs, Inc.

• Website: ochsinc.com
• Ownership type: Private
• Headquarters: Saint Paul, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1943
• Headcount: 11-50
• LinkedIn: ochs-inc-

Ochs, Inc. is a private employee benefits provider based in Saint Paul, Minnesota, established in 1943. The company specializes in customized insurance solutions for public employers, offering a range of products that include life, disability, dental, and vision insurance. Ochs, Inc. prides itself on its expertise in pooling insurance, which allows them to leverage buying power and provide better rate stability for their clients. They collaborate with various insurance carriers and brokers to deliver comprehensive services tailored to the needs of their clients. Notably, Ochs, Inc. administers disability products through partnerships with Madison National Life Insurance Company and Kansas City Life Insurance Company. Their commitment to enhancing employee satisfaction while managing costs has made them a trusted resource in the employee benefits sector. Ochs, Inc. is a subsidiary of Securian Financial Group, which further strengthens their position in the market by providing additional resources and support.

18. CURiO Brands

• Website: curiobrands.com
• Ownership type: Private Equity
• Headquarters: Minneapolis, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: December 2014
• Founded year: 2012
• Headcount: 201-500
• LinkedIn: curio-brands

CURiO Brands, founded in 2012 and based in Minneapolis, Minnesota, is a private equity-backed company that specializes in employee benefits. The firm provides a variety of insurance and retirement plans aimed at enhancing employee well-being. Their offerings include medical, dental, and disability insurance, as well as life insurance and retirement plans with employer matching. CURiO's mission is to address the financial security and health coverage needs of employees, making them a relevant player in the employee benefits sector. The company operates entirely within the United States and has a workforce of approximately 113 employees, reflecting a moderate size in the industry. CURiO has not reported any recent funding, indicating a stable operational status since its last funding round in 2014.

19. Excelsior Insurance Brokerage

• Website: excelsiorinsurance.com
• Ownership type: Corporate
• Headquarters: Excelsior, Minnesota, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: January 2016
• Founded year: 2003
• Headcount: 51-200
• LinkedIn: excelsior-benefits

Excelsior Insurance Brokerage, Inc. is an insurance brokerage based in Excelsior, Minnesota, founded in 2003. The company specializes in a wide array of insurance products tailored for both group and individual markets. Their offerings include health, dental, life, and notably, disability insurance, which encompasses both short-term and long-term options. Excelsior is dedicated to delivering customized insurance solutions, ensuring that clients receive the support they need to navigate their insurance requirements effectively. With a workforce of approximately 31 employees, the company prides itself on exceptional customer service and a consultative approach that helps clients make informed decisions. Excelsior operates as an authorized insurance agency in all 50 states and the District of Columbia, showcasing its capability to serve a broad clientele. The company has not reported any recent funding, indicating a stable operational model since its inception.

Disability Insurance Insights: Key Companies in Minnesota

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