C&H Insurance. Since 2002.

C&H Insurance was founded in 2002 with the goal of building an agency with the highest of principals, personalized attention and service. This concept remains to be the priority today. We strive to give everyone who walks through our doors special attention and the best customer service possible. Our agents have over 50 years of combined insurance experience.

As an Independent Agency (licensed in both Minnesota and North Dakota) we have many companies available to us to find the insurance that meets your needs and your budget. We offer insurance services for Farm, Crop, Multi Peril, Crop Hail, Commercial, Bonds, Home, Auto, Collector Car, Motorcycle, Recreational Vehicles, Flood, Health and Life.

Contact Justin Hecht, Jodi Schumacher or Tami Kuznia today. »

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C&H Insurance
1427 Central Ave NW
East Grand Forks MN 56721
(218) 773-0287

Insurance Services


Thinking of buying a new home? We provide various forms of property insurance designed to protect your home against damages to the house itself or to possessions in the home. We also provide liability coverage for accidents in the home or on the property.
C&H Insurance has many options for auto insurance to provide property coverage for damages or theft of your car, as well as liability and medical coverage in the event of an accident.
Whether you're renting a single family home, apartment, duplex, condo, studio, loft or townhome, C&H Insurance can provide you with coverage for your belongings as well as liability within your rental property.
Motorcycle insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage. Motorcycle insurance includes liability coverage in case you are responsible for another person's injuries or property damage. Please contact us for motorcycle insurance options.
Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways: Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.
Looking to insure your all terrain vehicles, dune buggies, golf carts, mini-bikes, motor homes, motorcycles, recreational vehicle trailers, snowmobiles, trail-bikes, off-road vehicles, antique and classic autos, and various watercraft including jet skis? Call Us!
C&H Insurance can provide protection against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. Please contact us for more information.
C&H Insurance provides coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. For more information, please contact us.


Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy.
A "BAP" is an insurance policy that covers a company's use of cars, trucks, vans and other vehicles in the course of carrying out its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for business purposes.
A commercial umbrella policy is designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers liability coverage.
Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Bond Insurance is a type of insurance whereby an insurance company guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond or security.
Professional Liability is a form of liability insurance that helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.


Like homeowner's insurance, farm and ranch insurance covers damage to a dwelling and personal property inside, as well as mishaps on the property. However, farm and ranch insurance is also designed to offer a combined level of commercial liability insurance. Please contact us for more information.
The Federal Crop Insurance Corporation (FCIC) is a wholly owned government corporation managed by the Risk Management Agency of the United States Department of Agriculture. C&H Insurance provides Federal Crop Insurance to farmers big and small across the Red River Valley. Please contact us for more information.
Crop insurance is purchased by agricultural producers, including farmers, ranchers, and others to protect themselves against either the loss of their crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities. C&H Insurance provides Crop Insurance to farmers big and small across the Red River Valley. Please contact us for more information.

Contact Us

C&H Insurance
1427 Central Ave NW
East Grand Forks MN 56721
(218) 773-0287


Justin Hecht


Jodi Schumacher


Tami Kuznia


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C&H Insurance Staff