Crop Insurance - Bennett Houglum Agency- Home

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

The agency is co-owned and operated by John Germolus, Wayne Lee, Marisa Carlsrud, and Austen Germolus. John and Wayne have worked extensively with fellow agents and commodity groups, intent on preserving and improving the crop insurance program. Austen has been a part of many agricultural boards and is knowledgeable in many farm and government related topics.

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, and continues to 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, and continues to farm with his son, Austen.

Marisa Carlsrud started at the Bennett Houglum Agency in 2005. As both a licensed agent and office manager, she is able to address most of our clients' questions and concerns. She became a partner in the Bennett Houglum Agency in 2025. Marisa resides in Ada, MN, with her husband and kids.

Austen Germolus joined the Bennett Houglum Agency in 2018 as a sub-agent with his own crop insurance company, Austen Germolus Agency. He became a partner in the Bennett Houglum Agency in 2025. Austen resides in Ada, MN, and raises commodity crops and British White cattle with his family in rural Borup, MN.

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 try to keep you up to date on office closings; see our Important News page.

Bennett Houglum Agency

Bennett Houglum Agency is an Equal Opportunity Provider