North Lakes Insurance

Here For You When

Life Happens

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Competent Coverage

A man kissing his wife on the cheek

Insurance is about protecting you from the unexpected. That requires knowing your risks before developing a plan. We get to know our clients so we can make better coverage recommendations.

Protecting your family and/or business is of the utmost importance: it deserves more than a faceless voice on the phone or an AI chat bot on the web.

Unbiased Guidance

Unlike many insurance agents, we don’t work for any particular brand of insurance. As an independent agency, we have access to over 30 insurance companies, but we hold no obligations to any of them. Instead, we try to focus on what’s best for you. And if that changes over time, we’re happy to move your insurance to a different carrier. We remain committed to a higher standard of professional integrity in all that we do.

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Insurance Services

About Us

North Lakes Insurance was founded in Wyoming, MN in 2012 by Craig & Patricia Cold. After over a decade as a “captive” agent (working for a specific insurance brand), Craig felt he could offer more by opening an independent agency: More robust coverage for clients, more flexibility in covering unique situations, and more savings by comparing rates from competitive insurance companies. For more than a decade now, Craig & Patricia have built a successful, local company, focused on helping families and businesses in MN plan and protect their future.

Craig & Patricia Cold or North Lakes Insurance

Craig & Patricia Cold

Craig has been a licensed insurance agent since 1987. He owns and operates North Lakes Insurance, providing cost-effective and comprehensive insurance solutions for auto, home, life, health and business insurance in Minnesota, Wisconsin, and Illinois. Craig feels satisfaction being able to help his clients by corresponding their insurance needs to an insurance company with the right product, underwriting and price.
Craig passionately studies wildlife of the Upper Great Lakes; enjoying fishing, hiking, canoeing, camping, and all things wildlife. Craig is a terrifically playful “Boppa” to his five grandchildren.

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 Operations Manager/Customer Service Representative for Craig since 2005.
Patricia enjoys learning about and engaging with the natural world along with gardening, cooking, reading, hiking, canoeing, mindfulness practices, yoga, hand drumming, and being an active “Moonma” to her five grandchildren.

Life Happens

Let’s Prepare for It

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