Across America

Alloy Insurance serving the community

Alloy Insurance, a privately owned company, started its dedicated journey of providing insurance options to clients over 100 years ago. Allan Karki, agent and owner, took the business into his own hands in 2003.

“Our agency was founded in 1909 in Gaylord, Minnesota, where one of our locations is now,” Karki said. “We now have four locations.”

With offices in Gaylord, Norwood Young America, Sartell and, most recently, Eden Prairie, along with nine licensed agents between the locations, the agency provides help to many Minnesotans. In addition, their services are used by clients in seven other states.

“We have about 3,800 clients currently, including from the surrounding five states as well as Colorado, Arizona and Texas,” Karki said.

They serve both personal and commercial clients as a result of their technology utilization, Karki said.

“We strive to be the leader in the insurance business when it comes to our technology use,” Karki said. “It allows us to serve people well. Many people still want that local representation

– a reason why we are growing our physical locations. But these days with texting, emailing and e-signatures, we are not limited to serving people just around the local area.”

In addition to the enhanced communication modern technology allows, Alloy Insurance offers website services such as instant insurance quotes from multiple carriers. They also offer a customer portal where a wide variety of options like requesting auto ID cards and certificates of insurance are made available at clients’ fingertips.

“We have tried to build the online portion of our business to make it easy for people to do business with us,” Karki said. “We sell a broad range of products – home, auto, life, business, work comp, liquor liability, professional liability, special event coverages, pet, farms and crops.”

Complimentary insurance reviews is another service Alloy Insurance offers.

“We are an independent agency, so more of a broker,” Karki said. “We don’t just sell for one company, which is how we find savings for people and better coverages than what they might have. We represent a boarder range of companies which we can check with to find people the right policies.”

Because each client has a unique situation, Alloy Insurance values its ability to find the carrier with the best coverages at competitive premiums, Karki said.

“Alloy as a name is a concept of what we do for people with insurance,” Karki said. “We blend in the right mixture of coverage and rate to find a sweet blend of coverage and price. We try to find that balance for our clients.”

Being community-based means many of Alloy Insurance’s licensed agents live in the towns where they work. The agency also invests heavily into youth and school programs as well as civic organizations.

“We sponsor athletic teams and other extracurriculars,” Karki said. “We try hard to be an active community member in the communities we serve locally.”