Business Details
41 Years
experience
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 team of experienced professionals prioritizes personalized service, leveraging decades of industry expertise to build trust and deliver reliable protection.We maintain strong local knowledge while offering digital tools for convenience, ensuring clients receive both technical accessibility and direct human support. With multi-state licensing and specialized expertise in commercial bonds and risk management, we serve as a trusted advisor for residents and businesses in the region.
Services
Auto Insurance
Home Insurance
Commercial Insurance
Health Insurance
Life Insurance
Workers Compensation
Personal Umbrella
Farm Insurance
Recreational Vehicle Insurance
Surety Bonds
Details
- Year established: 1985
Highlights and features
- We have over 40 years of experience serving Perham's insurance needs
- Our independent agency model offers multiple carrier options
- We provide both digital tools and direct personal assistance
- Our team includes specialists in commercial bonds and risk management
- We maintain multi-state licensing for expanded coverage options
Services
Commercial Insurance
We provide comprehensive commercial insurance packages tailored to protect businesses against property damage, liability claims, and operational risks. Our solutions include general liability, property coverage, and workers compensation, with customizable options to meet specific industry needs while ensuring compliance with state regulations.
Auto Insurance
Our auto insurance policies protect personal and business vehicles against accidents, theft, and weather-related damage. Coverage includes liability protection, collision/comprehensive coverage, and specialized options for commercial fleets, recreational vehicles, and high-risk drivers while maintaining competitive pricing and deductible options.
Health Insurance
We offer individual and group health insurance plans with access to nationwide provider networks. Our solutions include major medical coverage, short-term plans, and long-term care options designed to meet diverse healthcare needs while providing expert guidance through policy selection and claims processes.
Surety Bonds
Our surety bond services ensure contractual obligations are met for businesses and individuals. We provide license and permit bonds, construction bonds, and court bonds with fast processing while maintaining compliance with state and federal requirements through trusted carrier partnerships.
Farm Insurance
We specialize in farm and ranch insurance protecting agricultural operations against crop loss, equipment damage, and liability claims. Our policies cover both small family farms and large agribusinesses with customizable options for livestock, storage facilities, and seasonal risks.
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 since establishing its Perham presence. He maintains licenses in six states and serves as administrating agent for multiple regional insurance associations.
Nate Overland
Commercial Lines Specialist
A dedicated commercial insurance expert since 2007, Nate specializes in business risk management. He holds Minnesota property/casualty licenses and serves as primary contact for commercial bonds and corporate insurance solutions.
Brenda Wilschewski
Health Insurance Specialist
With over 35 years of service since joining in 1986, Brenda combines health insurance expertise with comprehensive knowledge across all insurance lines. She manages client health coverage needs and billing operations with personalized attention.
Jessica Johnsrud
Personal Lines Specialist
A fully licensed producer since 2008, Jessica handles personal insurance lines while coordinating client communications. She maintains dual certifications in property/casualty and life/health insurance to provide holistic service solutions.
Questions
What types of insurance do you offer?
We provide auto, home, health, life, commercial, farm, and recreational vehicle insurance, along with surety bonds and workers compensation coverage.
How do you tailor insurance to specific needs?
As an independent agency representing multiple carriers, we compare options to create customized coverage solutions for both personal and business requirements.
Do you offer online insurance tools?
Yes, we provide digital resources for policy management while maintaining direct agent support for personalized assistance with quotes and claims.
How do I file an insurance claim?
Submit claims through our website or contact our office directly during business hours to initiate the process with our dedicated claims team.
Can you help with commercial insurance needs?
Our commercial specialists offer business auto, general liability, property coverage, and workers compensation policies tailored to Minnesota businesses.
Do you serve areas beyond Perham?
While based in Perham, our multi-state licensing allows us to provide coverage across Minnesota and selected neighboring states.
