Business Details
Your Trusted Insurance Partner in Perham, MN
Overland Insurance has served the Perham community for over 40 years, providing comprehensive insurance solutions tailored to individual and business needs. As an independent agency, we represent multiple insurance carriers to offer customized coverage options across property, casualty, auto, home, health, and life insurance. Our commitment to excellence is reflected in our personalized service approach, where clients receive direct support through phone consultations or in-person visits at our local office. We empower clients with online tools while maintaining a strong emphasis on face-to-face relationships. Our team of experienced professionals holds specialized licenses and certifications, ensuring expert guidance for commercial and personal insurance requirements.With deep roots in the community, we combine local market knowledge with industry expertise to protect what matters most to our clients. Our multi-generational family involvement demonstrates long-term dedication to the region's evolving insurance needs. Through partnerships with leading insurers, we deliver competitive policies that address both common and unique risk scenarios. Our focus remains on building trust through transparent communication and reliable claims support. This enduring commitment to service quality has established us as a trusted insurance advisor in the Perham area.
Services
Commercial Insurance
Homeowner Insurance
Auto Insurance
Health Insurance
Life Insurance
Workers Compensation
Personal Umbrella
Farm and Ranch Insurance
Surety Bonds
Disability Insurance
Highlights and features
- We offer 40+ years of local insurance expertise in the Perham community
- Our independent agency model provides access to multiple insurance carriers
- We maintain specialized insurance licenses for commercial and personal lines
- Our team provides personalized service through phone and in-person consultations
- We combine online tools with traditional relationship-based insurance guidance
Services
Commercial Insurance
Our commercial insurance solutions protect businesses against property damage, liability claims, and operational risks. We offer tailored policies including general liability, property coverage, and workers compensation. With specialized expertise in business auto and commercial umbrella policies, we help companies manage risk while maintaining compliance with state regulations.
Homeowner Insurance
We provide comprehensive homeowner insurance covering property damage, personal liability, and additional living expenses. Our policies protect against common risks like fire, theft, and weather damage while offering customizable options for high-value items and specialty coverage needs in Perham's unique climate conditions.
Auto Insurance
Our auto insurance policies cover personal and business vehicles with options for liability, collision, and comprehensive protection. We offer specialized coverage for ATVs, boats, and recreational vehicles while ensuring competitive rates through our multiple carrier partnerships and local market expertise.
Health Insurance
We offer individual and group health insurance solutions including short-term, long-term care, and disability coverage. Our specialists help clients navigate health insurance options while providing personalized guidance to meet diverse medical protection needs for families and businesses.
Life Insurance
Our life insurance products provide financial protection for dependents through term and permanent policies. We help clients determine appropriate coverage amounts based on financial goals while offering competitive options from multiple insurers to ensure long-term security for families.
People
Harold Overland
Owner & President
With over 50 years in insurance since graduating from the University of Minnesota in 1971, Harold has led our agency while serving on multiple community boards. He holds licenses in six states and oversees our strategic direction.
Nate Overland
Commercial Lines Specialist
A 2006 graduate of Minnesota State University Moorhead, Nate specializes in commercial insurance with MN property and casualty licensing. He manages our commercial bonds and business client relationships since joining in 2007.
Mike Overland
Network Administrator
Microsoft-certified since 1996, Mike ensures our technology infrastructure supports efficient insurance services while maintaining secure systems for client data protection and digital operations.
Brenda Wilschewski
Health Insurance Specialist
With over 35 years at our agency since 1986, Brenda combines health insurance expertise with personal lines experience, serving as a trusted advisor for clients' insurance needs and billing specialist.
Jessica Johnsrud
Personal Lines Specialist
A fully licensed producer since joining in 2008, Jessica handles personal lines insurance and coordinates client communications, directing policyholders to appropriate specialists while managing office operations.
Questions
What types of insurance do you offer?
We provide auto, home, health, life, commercial, workers compensation, and specialty insurance including farm, recreational vehicle, and surety bonds coverage.
Are you a local insurance agency?
Yes, we've served Perham since 1971 with three generations of the Overland family maintaining local ownership and community involvement.
How does being independent benefit me?
As an independent agency, we represent multiple insurers to find policies that best match your specific needs rather than being limited to a single company's offerings.
Can I manage policies online?
We provide online tools for policy management while maintaining personal support through phone or in-person consultations at our Perham office.
Do you handle commercial insurance needs?
Yes, we specialize in commercial coverage including business auto, liability, property, and workers compensation with dedicated specialists for business clients.
