We take pride in creating risk management plans that are unique to each farming operation, providing our customers with maximum coverage in All Risk Crop and Hail Insurance for the most affordable premiums.

Contact Us With Harvest Claims

Wayne Lee - Marisa Carlsrud - John Germolus

The Bennett Houglum Agency specializes in All Risk Crop and Crop Hail Insurance, and is fully licensed in Minnesota, North Dakota, and Montana.

The agency is co-owned and operated by John Germolus and Wayne Lee.  Together, they have over 75 years of experience in the crop insurance industry.  John and Wayne have been active politically, working with fellow agents and commodity groups, intent on preserving and improving the crop insurance program.

Wayne Lee signed on with Federal Crop Insurance Corporation (FCIC) in 1979 as an adjuster.  In 1982, he became a sales and adjustment advisement supervisor.  Three years later, he became a partner in the Bennett Houglum Agency.  Wayne resides in rural Perley, MN, with his family and continues to actively farm.

John Germolus started with Federal Crop Insurance Corporation (FCIC) in 1983 as a loss adjustment contractor.  Two years later, he became a partner in the Bennett Houglum Agency.  John resides in rural Borup, MN, with his wife and continues to actively farm with his son.

Marisa Carlsrud joined the Bennett Houglum Agency in 2005.  As both office manager and licensed agent, she is able to address many of our clients' questions and concerns.  Marisa resides in Ada, MN, with her family.

The Bennett Houglum Agency has 2 office locations to serve your needs.  The main office is located in Ada, MN, with a branch office in Moorhead, MN.  We will keep you up to date on office closings; see our Important News page.

John, Wayne, and Marisa are always available by cell phone if there is an emergency, questions, or concerns.

At the end of the day, you can trust that we have provided you with the best option available for your farm operation, while maintaining excellent customer service in a neighborly atmosphere.

Ada Office

Monday-Friday, 8:00am to 4:30pm

211 West Main Street

1-800-784-2106/toll free


Moorhead Office

Monday-Thursday, 8:30am to 4:00pm

705 Hwy 75 N

1-877-233-8139/toll free


701-367-8639/John Cell

701-361-8158/Wayne Cell

houglum@loretel.net/John & Wayne e-mail

aghougl@loretel.net/Marisa e-mail


Bennett Houglum Agency is an Equal Opportunity Provider

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