Elk River: 763.241.0656

Proudly Serving Minnesota & Wisconsin Since 1999

Home, Auto, Life & Business Insurance | Elk River, MN and Surrounding Areas


Since 1999, Elk Insurance Agency has been managing insurance for businesses and individuals in the Elk River, MN area, and we are licensed in Wisconsin and Arizona. Our team of five agents possesses 60+ years of experience, and are familiar with insurance risks in Elk River and surrounding areas. In fact, Rick Roche, our agency owner, and his daughter, are both local to the Elk River area.

As longtime residents, we’ve spent a lot of time becoming involved in our community. Rick has been a wrestling coach and softball coach for over 20 years. Our agency is also a member of the Elk River Chamber of Commerce, and BNI.  

Home, Auto & Business Insurance for Elk River, MN Area Residents

We work with 15 A-rated insurance companies, including AAA, Travelers, Progressive, Encompass, and Nationwide to offer the insurance essentials, like home insurance, auto insurance, and life insurance.

Our commercial insurance products range from business owners policies (BOP) to commercial general liability, to cyber liability insurance and more. We also offer unique commercial products such as builders’ risk and vacant dwelling insurance.

Award Winning Insurance Service

Excellent service has always been our goal, and our clients recognize that. We’re proud to say that we are a 2016 Star News Reader’s Choice Award Winner.

We have someone that answers the phone every time that you call. We perform Customer Reviews to make sure that they are meeting the needs of their clients. We also welcome all types of clients, including clients with risks that are hard to place, and clients with lower credit.

We encourage you to speak with us about your insurance, or to request a quote today.


Why should you choose an Independent Agent?

Check out the video below to learn about some of the benefits of working with an independent agency.

Additional Resources

Rick is great at his profession. He makes it simple for my family and I to understand what is best for us when it comes to our insurance needs. Rick is honest and sincere, and I would highly recommend Rick for your insurance needs
Terry Gries CRPC
Rick is a very caring, conscientious and hard working person and is interested in looking out for his client's best interest. I highly recommend Rick as an agent.
Mel Rohrer
Rick is a very approachable and friendly business owner. He has helped us get quality insurance for our home and vehicles. Thanks for all you do!
Sandy Martin
Since the day I met Rick I knew he could be trusted. Rick and his staff at Elk Agency are always available for questions and always go above and beyond what is asked. Rick has saved myself and my family money from the time he signed us up. Has even contacted me to tell me that he can save even more money! Within the last 2 years we have switched our business insurance to the Elk Agency and have been very satisfied. Would and have recommended Rick at any time!
Nye McCarty
I have had Rick as my agent for over 15 years now. I would recommend and have recommended him to many over the years. Excellent customer service by Rick and his employees.
Chantal Quigley
Being a Mortgage Banker many of my clients need insurance assistance. I have no problem referring my clients to Rick as I know they will be treated with respect, honesty and will be given the best coverage at the best rates. I as well hold my own personal insurance with Rick and I'm very pleased with the service he provides me. April 16, 2015, Steve was Rick's client
Steve Bushinski
Rick Roche is a terrific business person who is well versed in the insurance industry, and he provides a model that other business people can aspire to. His service is excellent, he does a lot of research on the many product offerings in the insurance business to make sure he is offering you the correct product, and his word holds meaning in a time when what people say doesn't always matter. As a public figure and a business talk show host, I know how important it is to recommend the right people to my listeners. The wrong ones damage my own reputation. That said, I know I can recommend Rick to others with full confidence that you will be taken care of in a professional and timely matter, with great integrity throughout. Go see Rick today, and tell him Kevin Hunter at The Business Forum Show sent you.
Kevin Hunter "The Business Forum Show"
Working with Rick was a blessing. He helped me to arrange my policies for the best program personalized for me. He was a great asset when I needed a hand due to an accident. He made the whole process seem effortless and really saved my sanity. He is a well respected and well admired person. He is a great friend and professional to have on your side. Thanks for all Rick!!!!!
Brett Michalec- Certified Appraiser