Frequently Asked Questions

How does getting a quote work?

Fill out the free quote request on our website. It takes about 2 minutes. A licensed agent reviews what you sent and follows up personally to confirm details and go over your options.

Is there any cost or obligation?

No. Quotes and coverage reviews are free, and there is no obligation to buy.

What kinds of insurance do you offer?

Home, auto, condo, renters, lake homes and cabins, boats and watercraft, motorcycles, umbrella liability, landlord and rental property, flood, business and commercial insurance (general liability, commercial property, commercial auto, workers' compensation, errors and omissions), plus life, health, Medicare, dental and vision through our licensed life and health team.

Who will I be working with?

David Olson, a licensed Minnesota insurance producer (MN License #40937238), and his licensed team. Intrinsic Insurance was founded in 2020 and is part of an independent insurance agency, so we can compare options instead of selling one company's policy.

What should I have ready?

Your current declarations page if you have one, the property address, the vehicles and drivers in your household, and any recent updates to your home such as a new roof or remodel. Our checklist page lists everything.

Can I upload my current policy?

Yes. After you submit a quote request you can upload your current declarations page. Files are encrypted, scanned for viruses and seen only by our licensed team. Please do not upload Social Security, bank or card numbers.

Where do you write insurance?

We serve all of Minnesota, including the Twin Cities, Lake Minnetonka, the Brainerd Lakes and the Whitefish Chain. Ask us about property or coverage in other states.

How do I file a claim?

For emergencies, make sure everyone is safe first and prevent further damage. Then call your insurance company's claim line, which is printed on your policy and ID cards, and let us know so we can help. Our claims guide walks through each step.

How do I make a change to my policy or get a certificate of insurance?

Call or text 952.314.9446 or use the Call me back button. Common requests include adding a vehicle or driver, changing an address or lender, and certificates of insurance for contractors and landlords.

Is coverage in place when I submit a quote request?

No. A quote request does not bind or start coverage. Coverage starts only when a policy is issued and confirmed by the insurance company.

Do you help with Medicare?

Yes. Our licensed life and health team helps people turning 65 and people reviewing their current plan. See our Medicare page for the key enrollment dates.

How do you protect my information?

Our website uses encrypted connections, uploaded files are virus-scanned and stored privately, and only our licensed team can see your request. Read our privacy policy for details.

More help

Get your free quote

Tell David what you want to protect. It takes about two minutes, there is no obligation, and a licensed agent follows up personally.

Start my free quote   or call 952.314.9446

David Olson is a licensed Minnesota insurance producer (MN License #40937238). Intrinsic Insurance was founded in 2020 and is part of an independent insurance agency. Coverage is subject to underwriting and availability. This page is general information, not a coverage decision; your policy wording controls.

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Our Story

Our story begins with a simple goal: to provide top-quality insurance coverage and exceptional customer service to individuals and businesses throughout the state. Our founder, David Olson, saw a need for a different kind of insurance company. He believed that insurance should be about more than just selling policies; it should be about building relationships and providing peace of mind to our customers on what matters most. With this vision in mind, David started Intrinsic Insurance, and the company has been growing ever since.

At first, we focused on providing personal insurance, such as auto, home, and life insurance, to individuals and families throughout Minnesota. But as we grew, we saw an opportunity to expand our services to businesses of all sizes. Today, we offer a full range of commercial insurance products, including liability, property, workers’ compensation, and more.

One of the things that sets Intrinsic Insurance apart is our commitment to our customers. We believe that insurance should be easy to understand and easy to use, and we strive to make the process as smooth and stress-free as possible. Our agents take the time to get to know our customers and their unique needs, so we can provide personalized coverage that meets their specific requirements. Over time, we’ve earned a reputation for exceptional customer service and expertise in the insurance industry, real estate, and construction. We’re proud to have a team of experienced agents who are dedicated to providing our customers with the highest level of service and support. Our agents are knowledgeable, friendly, and always available to answer questions or help our customers file a claim.

Intrinsic Insurance is also committed to giving back to the communities we serve. We support a variety of local organizations and initiatives, including schools, nonprofits, and community events. We believe that being a good neighbor and giving back is an essential part of being a successful business. As we look to the future, we’re excited to continue growing and expanding our services to meet the evolving needs of our customers. We’re always exploring new technologies and insurance products to provide the best possible coverage and service. But one thing that will never change is our commitment to our customers and our community.

We’re proud to be a Minnesota-based insurance company, and we’re honored to serve the people and businesses of our great state. Thank you for choosing Intrinsic Insurance as your insurance provider, and we look forward to continuing to serve you for many years to come.

Questions? Call David Olson 952.314.9446 or email: David@IntrinsicInsurance.com

Get Started

Thank you for choosing Intrinsic Insurance to protect what matters most. We will review your application and be in touch with you shortly to discuss your coverage options.