Our objectives are simple:

  • To be authentic, honest and fair
  • To create relationships of mutual trust
  • To listen to people and create an insurance plan that fits their needs
  • To remain committed to a higher standard of professional integrity in all that we do

Who We Are

Craig ColdCraig Cold – Agent & Owner

Craig created North Lakes Insurance Agency in 2012 as a partner of Atlas Insurance Brokers to help his clients match their insurance risks to an insurance company with the right product, underwriting, and price. Craig has been a licensed insurance agent since 1987, working with Liberty Mutual and Sentry Insurance. Craig is a member of the Forest Lake Area Chamber of Commerce and currently serves on the Board of Linwood School Forest. Craig passionately studies wildlife of the Upper Great Lakes, enjoying canoeing, camping, and fishing wilderness lakes and rivers of Minnesota and Wisconsin.

Patricia ColdPatricia Cold – Office Manager

Patricia has an extensive background working with personal and commercial insurance, employer/retirement benefits, investment/brokerage, tax accounting, and legal administration. Patricia has worked as the Customer Service Rep for Craig since 2005. Patricia also enjoys learning about and engaging with the natural world, along with gardening, reading, cooking, mindfulness practices, yoga and hand drumming.