Insurance in Ellsworth, WI
Your Community Insurance Experts in Ellsworth, WI
Let's Talk About Your Future
Reliable, Personalized Insurance
At Musty-Barnhart Agency Inc., we’re proud to offer reliable, personalized insurance in Ellsworth, WI. As your local independent agency, we’ve built our reputation on trust, experience, and outstanding service—right here in the communities we call home. Whether you need protection for your home, business, health, or future, our knowledgeable team is here to help you find insurance that truly fits.
With an office conveniently located in Ellsworth and three others across the region, Musty-Barnhart brings a hometown approach to a wide range of insurance solutions. You’ll always get straightforward advice, responsive service, and policies designed around your life, not a cookie-cutter plan from a national brand.


Personal Insurance in Ellsworth, WI
Your life, your home, and your vehicles are valuable, and they deserve coverage that’s dependable. At Musty-Barnhart, we offer tailored personal insurance in Ellsworth, WI, to help you protect what matters most. From standard policies to unique specialty coverage, our agents work with you to provide peace of mind and financial protection.
Explore our personal insurance offerings:
- Homeowners and Renters Insurance
- Flood, Umbrella, and Condo Coverage
- Landlord and Vacant Property Insurance
- Mobile Home and Builder’s Risk Insurance
- Auto Insurance (including motorcycles, antique vehicles, trailers)
- ATV/Snowmobile, RV, and Boat Insurance
- Pet Insurance
- Jewelry, Fine Arts, and Valuables Coverage
Because we’re an independent agency, we partner with multiple top-rated insurance providers. That means you get access to the most competitive rates and comprehensive coverage, not just the one option a captive agent might offer. Our team takes the time to understand your lifestyle and risks to ensure your protection makes sense.

Business Insurance in Ellsworth, WI
If you own a business in Ellsworth or the surrounding area, you know how important it is to have proper protection. We offer customized business insurance in Ellsworth, WI, to help you manage risk and safeguard your operations, employees, and customers.
Whether you run a small family business, manage rental properties, or lead a growing enterprise, we offer solutions designed for your unique needs:
- General Liability and Commercial Property Insurance
- Hospitality: Resorts, Motels, Hotels
- Adventure and Outdoor Business Coverage (Guides, Outfitters, etc.)
- Contractors: General, Electrical, HVAC, Plumbing, Landscaping
- Builder’s Risk and Contractor E&O
- Restaurant and Food Industry Coverage (food trucks, cafés, catering)
- Manufacturing (metal fabrication, cabinet shops, food production)
- Med Spas and Professional Liability
- Nonprofits: D&O Liability, Event Coverage, Fundraising Protection
Our team helps you identify the specific exposures in your industry and create a strategy to reduce risks and avoid costly setbacks. With Musty-Barnhart, you gain a long-term partner in protection.

Health and Life Insurance in Ellsworth, WI
Your health and your future deserve careful planning and protection. That’s why we offer a full suite of health and life insurance in Ellsworth, WI. From individual health plans to life coverage for your family, we provide options that meet your stage of life, health needs, and budget.
Our services include:
- Health, Dental, and Vision Insurance
- Hospital and Major Medical Expense Coverage
- Medicare Supplement Insurance
- Travel and Short-Term Health Plans
- Life Insurance: Term, Whole, Universal
- Children’s Life and Disability Insurance
- Long-Term Care and Annuities
We work with respected carriers to offer policies that deliver value and peace of mind. Our agents explain each plan clearly—no jargon, no pressure—so you feel confident about your choices.

Medicare Part D RX & Medicare Cost Plans in Ellsworth, WI
Navigating Medicare can be complicated, but Musty-Barnhart makes it easier. We offer guidance and plan comparison for Medicare Part D RX and Medicare Cost Plans in Ellsworth, WI.
We’ll walk you through your available options, helping you choose a plan that covers your prescriptions and fits your financial situation. Whether you’re enrolling for the first time or reviewing your current plan, our team provides friendly, local expertise you can trust.
Why Musty-Barnhart is the Right Choice for Insurance in Ellsworth, WI
- Locally Rooted: We live and work in your community and care about your well-being.
- Independent Access: More carriers, more choices, more savings.
- Real People, Real Help: Call anytime and speak with a real local agent.
- Community Involvement: We proudly support the Ellsworth Chamber of Commerce.
- Experienced Team: Owners Bob Kubes and Dee Whipple lead a highly dedicated and knowledgeable staff.
Let’s Talk About Insurance in Ellsworth, WI
Whether you’re protecting your family, your health, or your business, Musty-Barnhart is here to help. Get in touch with us today at 715-941-1125 or online to request a free quote and schedule an appointment with one of our agents. We look forward to working with you and helping protect what matters most.