Recommended elite-level agency with higher expertise to match insurance coverage. Recommended Local Agency
Solutions Insurance Agencies
  • Business
  • Home
  • Auto
  • Life

Solutions Insurance Agencies

Independent Insurance Agent in Duluth, MN

About us

Experience makes a difference.

Solutions Insurance Agencies is a midsized Commercial Insurance Agency with offices in Duluth, St Cloud, Savage and International Falls, Mn. Our average employee experience in insurance is 19 years. Our agency manages small, medium and large customers including self-insured and captive programs. We also handle group health insurance programs including self funded programs. In the last 3 years we've opened up personal lines and are seeing double digit growth in that area. Staffed with experienced representatives, we expect this division to continue to grow rapidly. In addition to managing insurance programs, we offer HR consulting, Legal consulting for employee issues, internet resources, and loss control to our commercial customers.

Personal and Commercial Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

Request an automobile insurance quote

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request an umbrella insurance quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Why choose Solutions Insurance Agencies

States we serve

  • Arizona
  • California
  • Colorado
  • Florida
  • Iowa
  • Kansas
  • Louisiana
  • Maine
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • North Dakota
  • Oklahoma
  • South Dakota
  • Texas
  • Wisconsin
  • Wyoming

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Home
  • Identity Fraud
  • Landlord
  • Mobile Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • RV / Motorhome
  • Renters
  • Snowmobile
  • Travel Trailer
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Life & Annuties coverage

  • Annuities
  • Life

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Mining, Quarrying, and Oil and Gas Extraction
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

AIG Insurance Company, Gerber Life, Pacific Indemnity Company, RPS, US Assure, Vindati

Solutions Insurance Agencies Team

Tom Bergum
Tom Bergum
Mike Bergum
Mike Bergum
Sonja Jones
Sonja Jones
Heidi Nessa
Heidi Nessa

Solutions Insurance Agencies Reviews

Average based on 4 reviews Leave a review

Customer Reviews

March 3, 2023

Got my latest insurance bills for house and autos. They went waaaaay up. Called Maggie Nylund and she had ideas to bring down the costs. Not only did she cut my auto insurance in half, she also found a way to increase my coverage. Plus lowered my house insurance. In addidtion, she gave me permission to get rid of the massive amounts of insurance related paperwork I had been saving over the years. Way to go Maggie!!!

July 9, 2020

Amanda always gets back to us in a very timely matter. She is easy to get in contact with and very friendly! We appreciate her excellent customer service and highly recommend working with her.

July 9, 2020

I've worked with Tom Bergum for over 20 years and his professionalism and integrity are unquestioned. Tom's creative approach to employee benefits has helped us control our costs while always providing good benefits for our employees. Our property/Casualty program is very complex but Tom and his team make sure everything runs smoothly and we're properly protected at a fair premium. Amy, Armen and Stephanie do a fantastic job of servicing our account and quickly reacting to our many needs. I highly recommend Solutions Insurance for your business insurance, employee benefits as well as personal lines which I have with Sonja Jones.

July 9, 2020

have been working with Tom Bergum for over 25 years and he currently manages our employee benefit program and self-insured workers compensation program in MN. Tom provides excellent service while also managing our large benefit program with minimal increases in premium. This has allowed us to continue to provide an excellent health program for our employees at an affordable cost. His creativity in setting up the financial structure has really worked to keep our costs down. What I have always appreciated about Tom is his integrity and honesty. If he makes a promise, he delivers. I am happy to recommend Tom and his team at Solutions Insurance.


Solutions Insurance Agencies

Experience makes a difference.

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