Home
Sign In
Guide > Independent insurer agency in Minnesota

Independent insurer agency in Minnesota

406 results found

Search for local businesses, places and services near you

Choose your location:
Minnesota
  • United States
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
  • Australia
  • France
  • Germany
  • Ireland
  • Italy
  • New Zealand
  • Poland
  • Spain
  • Ukraine
  • United Kingdom
View Map
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • ...
  • 14
  • 5 31
    #1

    Gerardo Obregon Farmers Insurance Agent

    ● Closed
    3049 S Service Dr, Red Wing, MN 55066, United States
    507-461-7321
    sites.google.com

    Gerardo Obregon Farmers Insurance Agent is an insurance agency located at 3049 South Service Drive in Red Wing, Minnesota. They offer a wide range of insurance services to meet the needs of individuals and businesses in the area.

    Photo of Gerardo Obregon Farmers Insurance Agent - 3049 South Service Drive, Red Wing, MN 55066, USA Photo of Gerardo Obregon Farmers Insurance Agent - 3049 South Service Drive, Red Wing, MN 55066, USA Photo of Gerardo Obregon Farmers Insurance Agent - 3049 South Service Drive, Red Wing, MN 55066, USA
    Insurance Agency
    Details
  • 4.9 100
    #2

    Abbott Insurance Agency, LLC

    ● Closed
    317 W 46th St, Minneapolis, MN 55419, United States
    612-824-1160
    abbott-insurance.com

    Abbott Insurance Agency, LLC is a reputable insurance agency located at 317 West 46th Street in Minneapolis, Minnesota. Our dedicated team of professionals is committed to providing personalized insurance solutions to meet the unique needs of our clients.

    Photo of Abbott Insurance Agency, LLC - 317 West 46th Street, Minneapolis, MN 55419, USA Photo of Abbott Insurance Agency, LLC - 317 West 46th Street, Minneapolis, MN 55419, USA
    Insurance Agency
    Details
  • 5 4
    #3

    Andy Muellner-Independent Insurance Agent

    ● Closed
    7031 20th Ave S, Centerville, MN 55038, United States
    651-797-4744
    andy-muellner-independent-insurance-agent.business.site

    Andy Muellner is an independent insurance agent located at 7031 20th Avenue South in Centerville, Minnesota. As a trusted insurance agency, Andy Muellner helps clients find the best insurance coverage for their needs.

    Photo of Andy Muellner-Independent Insurance Agent - 7031 20th Avenue South, Centerville, MN 55038, USA Photo of Andy Muellner-Independent Insurance Agent - 7031 20th Avenue South, Centerville, MN 55038, USA Photo of Andy Muellner-Independent Insurance Agent - 7031 20th Avenue South, Centerville, MN 55038, USA
    Insurance Agency
    Details
  • 5 1
    #4

    Solidity Insurance Group - Minneapolis

    ● Closed
    7964 Brooklyn Blvd #168, Minneapolis, MN 55445, United States
    612-567-6075
    solid.insure

    Solidity Insurance Group in Minneapolis, located at 7964 Brooklyn Boulevard, is your go-to insurance agency for all your coverage needs.

    Photo of Solidity Insurance Group - Minneapolis - 7964 Brooklyn Boulevard, Minneapolis, MN 55445, USA Photo of Solidity Insurance Group - Minneapolis - 7964 Brooklyn Boulevard, Minneapolis, MN 55445, USA Photo of Solidity Insurance Group - Minneapolis - 7964 Brooklyn Boulevard, Minneapolis, MN 55445, USA
    Insurance Agency
    Details
  • 5 3
    #5

    Schenck Insurance Agency | A Farmers Union Agency

    ● Closed
    2901 S Frontage Rd, Moorhead, MN 56560, United States
    218-236-1966
    agents.fuainsurance.com

    Schenck Insurance Agency, a Farmers Union Agency, is a trusted insurance provider located at 2901 South Frontage Road in Moorhead, Minnesota, United States.

    Photo of Schenck Insurance Agency | A Farmers Union Agency - 2901 South Frontage Road, Moorhead, MN 56560, USA Photo of Schenck Insurance Agency | A Farmers Union Agency - 2901 South Frontage Road, Moorhead, MN 56560, USA Photo of Schenck Insurance Agency | A Farmers Union Agency - 2901 South Frontage Road, Moorhead, MN 56560, USA
    Insurance Agency
    Details
  • 5 5
    #6

    Whitmore-Slater Insurance Agency

    ● Closed
    711 Black Oak Ave, Montevideo, MN 56265, United States
    320-269-7787
    whitmore-slater-insurance.business.site

    Whitmore-Slater Insurance Agency is a trusted insurance agency located at 711 Black Oak Avenue in Montevideo, Minnesota, United States. We specialize in providing personalized insurance solutions to meet the needs of our clients.

    Photo of Whitmore-Slater Insurance Agency - 711 Black Oak Avenue, Montevideo, MN 56265, USA Photo of Whitmore-Slater Insurance Agency - 711 Black Oak Avenue, Montevideo, MN 56265, USA Photo of Whitmore-Slater Insurance Agency - 711 Black Oak Avenue, Montevideo, MN 56265, USA
    Insurance Agency
    Details
  • 5 8
    #7

    State Insurance

    ● Open
    11620 77th St NE, Otsego, MN 55301, United States
    763-691-9515
    state-insurance-llc.business.site

    State Insurance is a reputable insurance agency located at 11620 77th Street Northeast in Otsego, Minnesota, United States. We offer a wide range of insurance products and services to meet the needs of individuals and businesses alike.

    Photo of State Insurance - 11620 77th Street Northeast, Otsego, MN 55301, USA Photo of State Insurance - 11620 77th Street Northeast, Otsego, MN 55301, USA Photo of State Insurance - 11620 77th Street Northeast, Otsego, MN 55301, USA
    Insurance Agency
    Details
  • 4.5 15
    #8

    Kozlowski Insurance & Financial Services

    ● Closed
    401 8th Ave SE, Pipestone, MN 56164, United States
    507-825-3366
    kozlowski-insurance.com

    Kozlowski Insurance & Financial Services is a reputable insurance agency located at 401 8th Avenue Southeast in Pipestone, Minnesota, United States.

    Insurance Agency
    Details
  • 4.2 11
    #9

    Xeng Insurance Services

    ● Closed
    1088 Payne Ave, St Paul, MN 55130, United States
    651-772-4849
    progressiveagent.com

    Xeng Insurance Services is a trusted insurance agency located at 1088 Payne Avenue in Saint Paul, Minnesota. We are dedicated to providing personalized insurance solutions to meet the unique needs of our clients.

    Insurance Agency
    Details
  • 4.2 5
    #10

    MN Insurance LLC

    ● Closed
    3455 4th Ave S, Minneapolis, MN 55408, United States
    952-215-6021
    aibme.com

    MN Insurance LLC is a reputable insurance agency located at 3455 4th Avenue South in Minneapolis, Minnesota. Our experienced team is dedicated to providing personalized insurance solutions to meet the unique needs of our clients.

    Photo of MN Insurance LLC - 3455 4th Avenue South, Minneapolis, MN 55408, USA Photo of MN Insurance LLC - 3455 4th Avenue South, Minneapolis, MN 55408, USA Photo of MN Insurance LLC - 3455 4th Avenue South, Minneapolis, MN 55408, USA
    Insurance Agency
    Details
  • 4 4
    #11

    Klocow Insurance Agency | A Farmers Union Agency

    ● Closed
    1220 E College Dr, Marshall, MN 56258, United States
    507-532-0418
    agents.fuainsurance.com

    Klocow Insurance Agency, located at 1220 East College Drive in Marshall, Minnesota, is a full-service agency that specializes in providing Home & Auto, Life, Business, Farm & Crop, and Health insurance coverage in Minnesota and South Dakota.

    Photo of Klocow Insurance Agency | A Farmers Union Agency - 1220 East College Drive, Marshall, MN 56258, USA Photo of Klocow Insurance Agency | A Farmers Union Agency - 1220 East College Drive, Marshall, MN 56258, USA Photo of Klocow Insurance Agency | A Farmers Union Agency - 1220 East College Drive, Marshall, MN 56258, USA
    Insurance Agency
    Details
  • 5 25
    #12

    Town & Country Insurance

    ● Closed
    202 Main St E, Hinckley, MN 55037, United States
    320-384-7423
    townandcountry-ins.com

    Town & Country Insurance is a trusted health insurance agency located at 202 Main Street East in Hinckley, Minnesota. We specialize in providing comprehensive insurance coverage for individuals and families in the area.

    Photo of Town & Country Insurance - 202 Main Street East, Hinckley, MN 55037, USA Photo of Town & Country Insurance - 202 Main Street East, Hinckley, MN 55037, USA Photo of Town & Country Insurance - 202 Main Street East, Hinckley, MN 55037, USA
    Insurance Agency Medical Services
    Details
  • 5 46
    #13

    Mike Theisen - State Farm Insurance Agent

    ● Closed
    707 Bielenberg Dr Ste 102, Woodbury, MN 55125, United States
    952-225-5452
    insurancemnquote.com

    Welcome to Mike Theisen - State Farm Insurance Agent in Woodbury, Minnesota!

    Photo of Mike Theisen - State Farm Insurance Agent - 707 Bielenberg Drive, Woodbury, MN 55125, USA Photo of Mike Theisen - State Farm Insurance Agent - 707 Bielenberg Drive, Woodbury, MN 55125, USA Photo of Mike Theisen - State Farm Insurance Agent - 707 Bielenberg Drive, Woodbury, MN 55125, USA
    Insurance Agency
    Details
  • 5 33
    #14

    Insurance Group of Minnesota LLC

    ● Closed
    445 Minnesota St #1500, St Paul, MN 55101, United States
    763-233-6405
    insurancegroupmn.com

    Insurance Group of Minnesota LLC is a leading insurance agency located at 445 Minnesota Street in Saint Paul, Minnesota. We offer a wide range of insurance products, with a focus on Auto, Home, Life, and Business insurance.

    Photo of Insurance Group of Minnesota LLC - 445 Minnesota Street, Saint Paul, MN 55101, USA Photo of Insurance Group of Minnesota LLC - 445 Minnesota Street, Saint Paul, MN 55101, USA Photo of Insurance Group of Minnesota LLC - 445 Minnesota Street, Saint Paul, MN 55101, USA
    Insurance Agency
    Details
  • 5 47
    #15

    Team Smith Agency LLC American Family Insurance

    ● Closed
    5790 Blackshire Path, Inver Grove Heights, MN 55076, United States
    651-450-6006
    amfam.com

    Team Smith Agency LLC American Family Insurance is a reputable insurance agency located at 5790 Blackshire Path in Inver Grove Heights, Minnesota.

    Photo of Team Smith Agency LLC American Family Insurance - 5790 Blackshire Path, Inver Grove Heights, MN 55076, USA Photo of Team Smith Agency LLC American Family Insurance - 5790 Blackshire Path, Inver Grove Heights, MN 55076, USA
    Insurance Agency
    Details
  • 5 22
    #16

    Trusted Insurance Agency North Branch

    ● Closed
    38877 10th Ave #6999, North Branch, MN 55056, United States
    651-674-6286
    trustedinsurance.com

    Trusted Insurance Agency North Branch is a finance and insurance agency located at 38877 10th Avenue in North Branch, Minnesota, United States.

    Photo of Trusted Insurance Agency North Branch - 38877 10th Avenue, North Branch, MN 55056, USA Photo of Trusted Insurance Agency North Branch - 38877 10th Avenue, North Branch, MN 55056, USA Photo of Trusted Insurance Agency North Branch - 38877 10th Avenue, North Branch, MN 55056, USA
    Financial Service Insurance Agency
    Details
  • 5 23
    #17

    Mundt & Associates, Inc. - Independent Insurance Agency

    ● Closed
    1249 Whitewater Ave, St Charles, MN 55972, United States
    507-932-8950
    mundt-associates.com

    Mundt & Associates, Inc. is an independent insurance agency located at 1249 Whitewater Avenue in Saint Charles, Minnesota. We provide a wide range of insurance services to meet the needs of individuals, families, and businesses in the area.

    Photo of Mundt & Associates, Inc. - Independent Insurance Agency - 1249 Whitewater Avenue, Saint Charles, MN 55972, USA Photo of Mundt & Associates, Inc. - Independent Insurance Agency - 1249 Whitewater Avenue, Saint Charles, MN 55972, USA Photo of Mundt & Associates, Inc. - Independent Insurance Agency - 1249 Whitewater Avenue, Saint Charles, MN 55972, USA
    Insurance Agency
    Details
  • 5 24
    #18

    Jessica Noble - State Farm Insurance Agent

    ● Closed
    1244 Oxford St, Worthington, MN 56187, United States
    507-372-2141
    jessnoble.com

    Jessica Noble - State Farm Insurance Agent is a trusted insurance agency located at 1244 Oxford Street in Worthington, Minnesota.

    Photo of Jessica Noble - State Farm Insurance Agent - 1244 Oxford Street, Worthington, MN 56187, USA
    Insurance Agency
    Details
  • 5 84
    #19

    Beaudry Hometown Insurance

    ● Closed
    5850 Barthel Industrial Dr NE Ste#102 Suite 102 B, Albertville, MN 55301, United States
    763-312-1638
    beaudryhometown.com

    Beaudry Hometown Insurance is a trusted insurance agency located in Albertville, Minnesota. Our experienced team is dedicated to providing personalized insurance solutions to protect you and your loved ones.

    Photo of Beaudry Hometown Insurance - 5850 Barthel Industrial Drive Northeast, Albertville, MN 55301, USA
    Insurance Agency
    Details
  • 5 463
    #20

    Variant Insurance Group

    ● Closed
    5159 Main St E Suite 200, Maple Plain, MN 55359, United States
    763-333-2533
    variantinsurance.com

    Variant Insurance Group is a reputable insurance agency located at 5159 Main Street East in Maple Plain, Minnesota, United States. We specialize in providing a wide range of insurance products and services to meet the unique needs of our clients.

    Photo of Variant Insurance Group - 5159 Main Street East, Maple Plain, MN 55359, USA Photo of Variant Insurance Group - 5159 Main Street East, Maple Plain, MN 55359, USA Photo of Variant Insurance Group - 5159 Main Street East, Maple Plain, MN 55359, USA
    Insurance Agency
    Details
  • 5 105
    #21

    Nate Matousek - State Farm Insurance Agent

    ● Closed
    568 Cherry Dr, Waconia, MN 55387, United States
    952-442-2877
    natesfarm.com

    Nate Matousek - State Farm Insurance Agent is a family-run insurance agency located at 568 Cherry Drive in Waconia, Minnesota.

    Photo of Nate Matousek - State Farm Insurance Agent - 568 Cherry Drive, Waconia, MN 55387, USA Photo of Nate Matousek - State Farm Insurance Agent - 568 Cherry Drive, Waconia, MN 55387, USA Photo of Nate Matousek - State Farm Insurance Agent - 568 Cherry Drive, Waconia, MN 55387, USA
    Insurance Agency
    Details
  • 5 191
    #22

    South Lake Agency - Insurance Brokers

    ● Open
    7915 Stone Creek Dr Suite 220, Chanhassen, MN 55317, United States
    952-856-5500
    southlakemn.com

    South Lake Agency is a reputable insurance brokerage located in Chanhassen, Minnesota. Our dedicated team of insurance brokers provides personalized insurance solutions to meet the unique needs of our clients.

    Photo of South Lake Agency - Insurance Brokers - 7915 Stone Creek Drive, Chanhassen, MN 55317, USA Photo of South Lake Agency - Insurance Brokers - 7915 Stone Creek Drive, Chanhassen, MN 55317, USA Photo of South Lake Agency - Insurance Brokers - 7915 Stone Creek Drive, Chanhassen, MN 55317, USA
    Insurance Agency
    Details
  • 5 27
    #23

    Dornbusch & Associates LLC American Family Insurance

    ● Closed
    2160 Wayzata Blvd, Long Lake, MN 55356, United States
    952-473-1848
    amfam.com

    Dornbusch & Associates LLC American Family Insurance is a trusted insurance agency located at 2160 Wayzata Boulevard in Long Lake, Minnesota.

    Photo of Dornbusch & Associates LLC American Family Insurance - 2160 Wayzata Boulevard, Long Lake, MN 55356, USA Photo of Dornbusch & Associates LLC American Family Insurance - 2160 Wayzata Boulevard, Long Lake, MN 55356, USA Photo of Dornbusch & Associates LLC American Family Insurance - 2160 Wayzata Boulevard, Long Lake, MN 55356, USA
    Insurance Agency
    Details
  • 5 31
    #24

    Greener Insurance

    ● Closed
    23306 Cree St NW #106, St Francis, MN 55070, United States
    763-421-9957
    greenerins.com

    Greener Insurance is a reputable insurance agency located at 23306 Cree Street Northwest in Saint Francis, Minnesota, United States.

    Photo of Greener Insurance - 23306 Cree Street Northwest, Saint Francis, MN 55070, USA Photo of Greener Insurance - 23306 Cree Street Northwest, Saint Francis, MN 55070, USA Photo of Greener Insurance - 23306 Cree Street Northwest, Saint Francis, MN 55070, USA
    Insurance Agency
    Details
  • 5 184
    #25

    Hemgren Family Insurance

    ● Closed
    15219 Bluebird St NW, Andover, MN 55304, United States
    763-208-6196
    hemgrenfamilyinsurance.com

    Hemgren Family Insurance is an insurance agency located at 15219 Bluebird Street Northwest, Andover, Minnesota, United States. Our mission is to provide the people in our community with the protection they deserve.

    Photo of Hemgren Family Insurance - 15219 Bluebird Street Northwest, Andover, MN 55304, USA Photo of Hemgren Family Insurance - 15219 Bluebird Street Northwest, Andover, MN 55304, USA Photo of Hemgren Family Insurance - 15219 Bluebird Street Northwest, Andover, MN 55304, USA
    Insurance Agency
    Details
  • 5 29
    #26

    Randy Fulsaas Insurance

    ● Closed
    20960 Holyoke Ave, Lakeville, MN 55044, United States
    952-469-0411
    randyfulsaasinsurance.com

    Randy Fulsaas Insurance is an insurance agency located at 20960 Holyoke Avenue in Lakeville, Minnesota. They offer a wide range of insurance products for individuals, families, and businesses.

    Photo of Randy Fulsaas Insurance - 20960 Holyoke Avenue, Lakeville, MN 55044, USA Photo of Randy Fulsaas Insurance - 20960 Holyoke Avenue, Lakeville, MN 55044, USA Photo of Randy Fulsaas Insurance - 20960 Holyoke Avenue, Lakeville, MN 55044, USA
    Insurance Agency
    Details
  • 5 178
    #27

    Pete Peterson - State Farm Insurance Agent

    ● Closed
    7702 160th St W, Lakeville, MN 55044, United States
    952-683-9933
    quotemepete.com

    Pete Peterson - State Farm Insurance Agent is a reputable insurance agency located at 7702 160th Street West in Lakeville, Minnesota.

    Photo of Pete Peterson - State Farm Insurance Agent - 7702 160th Street West, Lakeville, MN 55044, USA Photo of Pete Peterson - State Farm Insurance Agent - 7702 160th Street West, Lakeville, MN 55044, USA Photo of Pete Peterson - State Farm Insurance Agent - 7702 160th Street West, Lakeville, MN 55044, USA
    Insurance Agency
    Details
  • 5 54
    #28

    Julie Drommerhausen American Family Insurance

    ● Closed
    2970 Rice St, Little Canada, MN 55113, United States
    651-482-1598
    amfam.com

    Julie Drommerhausen American Family Insurance is a trusted insurance agency located at 2970 Rice Street in Little Canada, Minnesota.

    Photo of Julie Drommerhausen American Family Insurance - 2970 Rice Street, Little Canada, MN 55113, USA Photo of Julie Drommerhausen American Family Insurance - 2970 Rice Street, Little Canada, MN 55113, USA Photo of Julie Drommerhausen American Family Insurance - 2970 Rice Street, Little Canada, MN 55113, USA
    Insurance Agency
    Details
  • 5 24
    #29

    Ideal Insurance Agency Inc

    ● Closed
    601 Carlson Pkwy # 1050, Minnetonka, MN 55305, United States
    952-479-0047
    siginsgroup.com

    Ideal Insurance Agency Inc is a trusted insurance agency located at 601 Carlson Parkway in Minnetonka, Minnesota, United States.

    Insurance Agency
    Details
  • 5 158
    #30

    Joe Breen - State Farm Insurance Agent

    ● Closed
    6001 Shady Oak Rd Suite 260, Minnetonka, MN 55343, United States
    612-255-1923
    joebreensf.com

    Joe Breen - State Farm Insurance Agent is a reputable insurance agency located at 6001 Shady Oak Road in Minnetonka, Minnesota.

    Photo of Joe Breen - State Farm Insurance Agent - 6001 Shady Oak Road, Minnetonka, MN 55343, USA Photo of Joe Breen - State Farm Insurance Agent - 6001 Shady Oak Road, Minnetonka, MN 55343, USA Photo of Joe Breen - State Farm Insurance Agent - 6001 Shady Oak Road, Minnetonka, MN 55343, USA
    Insurance Agency
    Details
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • ...
  • 14

Nearby cities:

Albertville Alexandria Andover Anoka Apple Valley Arden Hills Belle Plaine Big Lake Blaine Bloomington Brooklyn Center Brooklyn Park Buffalo Burnsville Cambridge Champlin Chanhassen Chaska Cloquet Coon Rapids Delano Detroit Lakes Duluth Eagan Eden Prairie Edina Elk River Excelsior Farmington Fergus Falls Forest Lake Fridley Glenwood Golden Valley Ham Lake Hastings Hopkins Inver Grove Heights Lake Elmo Lakeville Luverne Maple Grove Marshall Mendota Heights Minneapolis Minnetonka Montevideo Monticello Moorhead New Brighton New Hope New Prague North Branch Northfield Oakdale Osseo Otsego Perham Pipestone Plymouth Prior Lake Ramsey Red Wing Redwood Falls Rochester Roseville Saint Michael Saint Paul Savage Shakopee Shoreview St. Louis Park Stillwater Thief River Falls Waconia Wadena Wayzata White Bear Lake Willmar Winona Woodbury Worthington

People also searched for:

Car Insurance Companies in Minnesota Life Insurance Companies in Minnesota Home Insurance Companies in Minnesota Health Insurance Companies in Minnesota Travel Agency in Minnesota Financial Advisor in Minnesota

More Categories:

Building Materials in Minnesota Clothing Store in Minnesota Pizza & Sushi in Minnesota Auto Parts in Minnesota Grocery Store in Minnesota Hotel & Motel & Hostel in Minnesota Notary & Lawyer in Minnesota Cleaning Services in Minnesota Finance & Loans in Minnesota Restaurant in Minnesota Theater & Cinema in Minnesota Dentistry in Minnesota Flower Store & Florist in Minnesota Audit & Consulting in Minnesota Visa Support in Minnesota Household Appliances in Minnesota Pharmacy in Minnesota Baby & Pregnancy Stores in Minnesota Jewelry in Minnesota Furniture in Minnesota Public Pools & Water Park in Minnesota Hospital in Minnesota Nightclub in Minnesota Manicure & Pedicure in Minnesota Pets in Minnesota Beauty Salon in Minnesota Sporting Goods in Minnesota Pawnshops in Minnesota Children's Entertainment in Minnesota Vacation House Rentals in Minnesota Sport & School & Kindergarten in Minnesota Cafe & Coffee Shop & Pub in Minnesota Travel Agency in Minnesota Car Service in Minnesota Handyman Services in Minnesota Taxi & Freight Transport in Minnesota

List of local businesses, places and services in Minnesota

⭐ business help 🔍 services ☎️phones ⌚️opening times ✍️reviews 📍 addresses, locations 🖼️ photos

© 2025 Guide.in.ua Privacy Policy