Mason City All Risk Insurance will provide you with the specialized coverage you need, whether it is for your auto, home, business, life, health, crops, recreational vehicles or most any other insurance need you may have. Mason City All Risk Insurance can help you. We work with over 20 different companies to provide you with the best coverage at the best price.


Mason City All Risk Insurance, Inc., offers a wide variety of coverage to provide you with the protection you need for the vehicles you own or operate. We offer competitively priced auto insurance for those drivers with perfect driving records, as well as those with not so perfect driving records. We also have various outlets for those drivers that are in need of SR-22. Not to mention we have a very strong commercial auto department. We can cover anything from semis to golf carts and everything in between.


Our office provides policies designed to specifically meet your needs as a homeowner. Having your home insured with us means protection for your dwelling, garage, and any other structures on your property. It also covers your personal property, provides medical payments to people injured on your property, and protects you against many types of liability lawsuits.


Owning a business means making important decisions about your operations and protecting your assets is one of the most crucial. Mason City All Risk Insurance, Inc. has a variety of carriers who have developed insurance programs to protect you and your business from the many risks you face in your daily operation. We also offer work comp to help protect you and your valued employees. We can assist you from A to Z with your commercial insurance needs.


Let us help your business attract quality employees with a benefits package to include major medical, dental, vision, disability, and group life coverage. Top it off to with supplemental health and life coverage at no direct cost to the business. Looking for identity theft protection? We offer that, too!


Mason City All Risk Insurance offers life and health coverage for individuals and families. As an independent agent, we compare insurance companies to find affordable coverage to fit your needs. Confused about your health plan or Medicare? We can help.


Dave Bernhardt, owner of the agency, has twenty-four years of crop insurance experience, including crop adjusting, sales and service. We have six licensed crop insurance agents with over 100 years of combined experience in the crop insurance industry. Our emphasis is on YOU and your needs as a farmer. As an added value to our customers, we offer G.P.S. maps of your farm fields free of charge to help you better determine exact locations and acres.


We represent companies that offer protection for your boat, jet ski, motorcycle, motor home, travel trailer, ATV, as well as snowmobiles. These recreational vehicles provide great means of escape on weekends and vacations, but they also create a need for special insurance to protect you, your passengers, and others.


At Mason City All Risk Insurance we offer numerous companies for Farm Insurance, covering both large and small operations. Don’t forget, umbrella coverage is also available! Remember, if you have employees we can also take care of all your work comp insurance needs! And to keep you running strong, make sure you ask about our equipment breakdown coverage.