Insurance That Is Tailored to Your Needs

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At Harms Insurance Group, we value your business and continued trust. We represent a diverse selection of industry-leading insurance companies.

What does that mean? It’s simple. It means you get the right coverage for the right price. Why? Because we have more choices of auto, home, business, life, and health insurance coverage than others in the area.

A Trusted Choice

Trusted Choice® agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products, and unparalleled advocacy. As a Trusted Choice® agency, we are dedicated to you and are committed to treating you as a person, not a policy.

boy jumping in to his fathers arms. Car and Health Insurance at Harms Insurance Group in Sun Prairie & Lake Mills, WI

Our Products

PERSONAL INSURANCE

Our personal lines department is dedicated to providing professional advice and individual service. We focus on building a relationship with our clients so that we may custom tailor your insurance products to your specific needs.

We select companies to partner with that share our commitment to protect what’s important to you. The companies we partner with are all financially strong, provide local claim services, and offer the most competitive prices in the business.

Products:

Auto
Home
Boat
Motorcycle
Snowmobile
Renters
Condo Unit Owners
Rental Properties
Personal Umbrella
Flood Insurance
Recreational Vehicle

BUSINESS INSURANCE

Our business lines department is dedicated to providing professional advice, personal service, and tailored insurance offerings for our clients.

Our partner companies all have the following characteristics: they’re financially strong, offer local claim services, and continually strive to offer the best insurance products so they can meet our customers’ ever-changing needs.

Products:

General Liability
Property
Workers Comp
Automobile
Umbrella
Directors & Officers
Professional Liability/Errors & Omissions
Employment Practices Liability
Bonds
Cyber Liability
Business Owners (BOP)
Excess & Surplus Lines,
Special Event Coverage

LIFE INSURANCE

You can count on our life insurance department to provide professional advice and personal service. Our caring, patient staff will make sure that your family is protected at all times and will still be able to reach your financial goals and dreams even if you aren’t there.

The first step is to help you determine the right amount of life insurance coverage you need and the policy that best fits your unique situation.

Your needs will change, however, and we will be there for you every step of the way, making sure your life insurance coverage reflects your current lifestyle.

Products:

Annual Renewable Term
Term (10-15-20-25-30 year plans)
Guaranteed Whole Life
Whole Life
“Second to Die” Policies
Personal and Business Estate Planning
Business Perpetuation
Key Person
Mortgage Protection
Family Protection

INDIVIDUAL BENEFITS

If you or a family member doesn’t have group health insurance through an employer, choosing an individual plan is essential.

Your healthcare needs and preferences will dictate the type of plan that is best for you and your family. There are a variety of health coverage types from which to choose, including PPO, HMO, and Health Savings Accounts (HSA).

INDIVIDUAL DENTAL PLANS

Both Momentum Insurance Plans, Inc. and Delta Dental offer innovative plans that help individuals and families control their dental care costs.

Click to learn more about each

Delta Dental
Momentum Insurance Plans, Inc.

SHORT TERM HEALTH INSURANCE PLANS

This type of insurance is perfect for people that are in a transitional period, such as college graduates, newly hired employees, and those between jobs.

MEDICARE SUPPLEMENT PLANS

Turning 65? A Medicare Supplement Plan will help fill the gaps in coverage that Medicare doesn’t fulfill.

Products:

Individual Health
Short Term Health
Medicare Supplements
Dental
Vision
Individual Disability

GROUP BENEFITS

An attractive and competitive employee benefits program is an excellent way to draw and retain great employees. Programs must be structured so that they are beneficial to both the employee and the employer. If you succeed in doing just that, you will find yourself retaining good employees and recruiting the best new ones.

Products: