We believe great insurance starts with knowing the agents behind the policy. At Ted W. Smith Insurance Services, we’ve built our business on honest advice, reliable service, and a commitment to doing what’s right for our clients—every time. From day one, our focus has been the people we serve in Rochester, MN, and beyond.
Independent means we work for you.
We partner with several top-rated carriers, not just one, so we can find the right coverage and value for every individual, family, or business.
Serving Rochester and beyond.
With decades of experience and deep roots in Rochester, MN, we bring both regional insight and real-world know-how to every policy we write.
From captive to independent—with service top of mind.
Ted W. Smith began his insurance career in Rochester in 1993, originally working within the limitations of a single carrier. But as the industry changed, so did his vision for how clients should be served. In 2006, Ted launched his independent agency—giving clients more options, better pricing, and the freedom to find what fits best.
Putting people first, every step of the way.
Our mission is simple: help clients feel confident, covered, and cared for. We do that by listening first, recommending wisely, and staying present through every stage of life and business.
Meet the agents behind the policy.
We’re not a call center or an algorithm—we’re your neighbors. Whether it’s Ted or anyone on our team, we’re here to build lasting relationships and earn your trust every step of the way.
