Coverage when standard insurance just isn’t enough.

Specialty Insurance for Unique Needs

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Unique or high-value properties

Niche or higher-risk businesses

Special liability needs or events & Policies declined by the standard market

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Some risks are too unique for traditional coverage, but that doesn’t mean they should go unprotected. Specialty insurance steps in where standard policies stop, giving you peace of mind that your property, business, or livelihood is still covered.

No Iowan should be left without protection. Whether you’ve been declined elsewhere or your needs require a custom solution, we’ll search every option until we find coverage that works for you.

With the right specialty policy you gain confidence that even the unexpected is accounted for.

Bear Creek Insurance believes in small business.

Because not every risk fits the standard mold.

Specialty Insurance for Unique Needs

Specialty insurance is designed for the unique situations that standard policies don’t cover. It’s not about being complicated — it’s about making sure you still have the protection you need, no matter how specific your circumstances.We design coverage that keeps your business strong today and safeguards the future you’re building for tomorrow.

Protecting the risks that don’t fit the standard policy.

Specialty Insurance for Unique Coverage Needs

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Thank You For Choosing Bear Creek Insurance

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Rick • Brooklyn, IA

“The employees at Bear Creek Insurance are actively engaged members of our community and they have my full trust to keep my family and property insured against any and all disasters.”

Jason • Brooklyn, IA

“The entire team consistently ensure their customer’s assets stay well protected! It’s been incredible to have them as our insurance for our restaurant, and all our personal belongings.”

Christian • Brooklyn, IA

“Within the next day they had multiple quotes ready from different providers so I could choose what was best for me.”

Paul • Brooklyn, IA

“It is great having peace of mind that both my home and business are protected by people that I work with and see everyday.”

Tanner • Brooklyn, IA

“It’s hard to beat small town service. The people at Bear Creek insurance take the time to make sure you are accounted for and your policies are correct.”