About Us

We realize that some prospects may not agree with the way we do business.  It is something that we understand, and we will respectfully refer that business on to an agency that is more transactional based than relationship based.  We will always enter business relationships with those that agree with our principals.  All parties must share similar goals in any successful relationship, and each party must trust that the other is doing what is in each other’s best interest.

The insurance industry has change quite a bit since we started in 2005, but the client relationship has not.  We will be there for you when you need us the most.  That is our promise to you.

A team of insurance experts that work for you, not the insurance company

We are an independent insurance agency, representing over 30 different insurance carriers. Our allegiance is to the client relationship, not the companies we represent. We put the client’s best interest first, every time and in every situation.

Patrick Kelly


Pat Kelly has been in the insurance industry since 2005 when he started a new agency with a captive company. He grew that agency into one of that company’s largest and most profitable agencies in Minnesota. In his twelve years as a captive agency owner, he won numerous awards and achievements, frequently spoke to new agents on how to develop and grow their agencies, and was asked to consult the company on how to better serve clients throughout their operating territory.

In 2017, he opened up Wexford Harbour Insurance, an independent insurance agency representing multiple different insurance carriers. Pat has always used a consultative approach in his relationship with his clients, and having multiple different carriers allows his agency to use that approach to meet the need of each and every client.

He currently lives in Edina, MN with his wife and three children. He enjoys coaching youth basketball, fishing with his kids, and playing a very amateur round of golf with friends.


In Southeast Ireland lies a town called Wexford.  Wexford sits at the mouth of the Slaney River, which empties into Wexford Harbour.  In its earliest history, Wexford Harbour was a major port, exporting fish, cloth, wool and hides.  Wexford Harbour was difficult to navigate at times, and it created a natural security for the locals.  Large enemy ships could not enter the harbour without running the risk of running aground and sinking.

On March 29, 1929,  a young man from Wexford named Thomas Joseph Kelly wanted a change of scenery so he left Ireland and headed across the ocean, finally settling in St. Paul, MN. He raised 9 children in St. Paul, each that went on to be successful in their chosen walk of life.

The Kelly family grew throughout the years, and Thomas’ grandchildren starting moving throughout the United States.  In 2017, after many years as a captive insurance agent, Patrick Kelly opened up Wexford Harbour Insurance to pay honor to his grandfather and the place where the Kelly family started.

Just as Wexford Harbour protected the people of Southeast Ireland, Wexford Harbour Insurance is ready to protect you from all the different perils you, your family and your business may face daily.   We will be your anchor in the storm.  Reach out to us today and see how we can help you.

Private Client
Personal Insurance
Commercial Insurance

How we work

Our insurance experts will spend some time understanding who you are, personally, professionally and financially, so you feel confident the insurance portfolio being presented meets your needs.   We will constantly reevaluate the insurance market so we can react to any changes or pressures that negatively affect your portfolio.  We also review your financial situation on an annually basis, if not more frequently, to make changes any appropriate changes that are needed.


The Wexford Harbour team are insurance leaders who uphold our commitment to our clients.

Whether you are looking for auto, home or commercial insurance Wexford Harbour is here to help. Get in touch today and let us help you.