HFS Insurance Serving Rice Lake, Wisconsin
HFS Insurance is a family-owned, independent insurance agency in Barron — about 15 minutes down Highway 8 from Rice Lake. Because we're independent, we compare coverage from multiple insurance carriers instead of offering one company's options. If you'd rather sort out insurance with a local agent who knows Barron County than with an 800 number, that's exactly what we're here for.
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Why Rice Lake Businesses and Families Work With HFS
Rice Lake is the biggest city in Barron County, and a lot of our clients live or run businesses there. Working with an independent agency nearby means a few practical things: you can compare options from more than one carrier, you talk to the same local people each time you call, and when something changes — a new vehicle, a new building, a new employee — updating your coverage is a phone call, not a phone tree.
Business Insurance for Rice Lake Companies
Rice Lake is the commercial hub of the county — retail and restaurants downtown, manufacturers and contractors around the edges, and seasonal businesses that live off lake traffic in the summer. Different businesses carry very different risks, which is why business policies are built from pieces: general liability, commercial property, coverage for vehicles and equipment, and more. What your business actually needs depends on your industry, your size, and what you own — that's a conversation, not a checkbox. Learn more about business insurance in Barron County, or request a quote and we'll walk through it together. Wondering what coverage runs? We broke down what drives business insurance costs in Wisconsin — and if you're in the trades, what insurance a contractor needs.
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Health Insurance Help for Rice Lake Families and the Self-Employed
Health insurance is confusing for almost everyone — especially if you're self-employed, farming, or running a small business without a big-company benefits department. Our licensed agents help Rice Lake families and business owners understand their options for individual, family, and supplemental coverage, and which direction fits their situation. Which plans are available and what they cost depends on your household and circumstances, so the most useful first step is a conversation. Start with our health insurance services or call the office.
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Home, Auto, and Everything Else
Most of our Rice Lake clients don't stop at one policy. We also help with home and property insurance , auto insurance, life insurance, farm and crop coverage, and recreational vehicles — and in lake country, that last one matters: boats, pontoons, ATVs, and snowmobiles all have their own coverage questions. Bundling policies with one agency keeps everything in one place with one set of people who know your situation.
Serving Rice Lake From Our Barron Office
Our office is at 31 S 3rd St in Barron — about 15 minutes from Rice Lake. Most of what we do together happens by phone or email, so you rarely need to make the drive. But if you'd rather sit down across a desk and go through your coverage in person, the door's open.
FAQ
Do you have an office in Rice Lake? — Not currently. Our office is in Barron, about 15 minutes away, and we work with clients throughout Barron County. Most everything can be handled by phone or email, and you're always welcome to stop by the Barron office.
Which insurance companies do you work with? — We're an independent agency, which means we represent multiple insurance carriers rather than just one. That lets us compare options and find coverage that fits, instead of making your situation fit one company's products.
How do I get a quote? — Call the office or use the quote request form on this page. It helps to have your current policy information handy if you have it, but it's not required to start the conversation.
Do you work with small businesses in Rice Lake? — Yes. We work with retailers, contractors, restaurants, farms, and other small businesses around Rice Lake and Barron County. Coverage needs vary a lot by industry, so we'll start by learning how your business works.
Ready to talk it through? Request a free quote online or call our Barron office at 715-455-1968. No pressure, no jargon — just straight answers about your coverage options.
Talk With a Local Health Insurance Agent
With decades of combined experience and a deep understanding of health insurance options for individuals, families, and small businesses, our team is here to guide you with care. At HFS Insurance, we help you feel informed, protected, and confident—because you're not just choosing a plan, you're choosing people who truly care.
