About Us

Pioneer Heritage Insurance Offers 5 Convenient Locations!

Pioneer Heritage Staff

Pioneer Heritage Insurance LLC, was established in 2003 from the merger of Heritage Insurance and Financial, Pioneer Associates of Spicer, and Green Lake Agency. In 2012, we acquired the Willmar Insurance Agency and then in 2017, PKN of Litchfield. Currently, we have five locations including Spicer, Willmar, Pennock, Raymond, and Litchfield Minnesota, making Pioneer Heritage Insurance one of the largest independent agencies in the area. We represent a variety of highly respected insurance companies to assure you that your policy will be placed with a sound, competitive market. We are proud of our experienced staff who will personally work with you to meet all of your insurance needs.

Jim Tetzloff, President of PHI, is in our Spicer office and has over 28 years of experience in the industry, 24 of them with PHI! He works with commercial and personal lines clients and company relations. Also in Spicer are Lori Holmberg, an agent with over 30 years of experience who specializes in personal and commercial lines and health insurance; Berni Schwaegerl, CSR, with 23+ years of experience handles service work; Jesse Schweiss, Agent, works mainly with personal clients. Karla Ohden, commercial lines CSR and book keeper, handles personal and commercial lines service work as well as all of our accounting and payroll functions. Janine Warner, our newest team member is our new receptionist that handles initial customer contact for all locations.

Our Pennock and Raymond offices are managed by Barb Riley. An agent with more than 24 years of experience, she writes personal and commercial lines and life/health. Kevin Crowley, with over 35 years of experience, is our crop insurance specialist. Danell Johnson, agent/CSR, handles the service work for our crop insurance clients as well as writing personal lines. Nicole Urban CSR, works with personal lines and farm clients.

Sarah Gustafson, our Willmar Branch Manager, has over 20 years of experience as an agent. She specializes in farm, personal lines, and health insurance and also administers our agency management system. Brian Nelson, commercial lines specialist, has over 17 years of experience and works with commercial and personal lines accounts. Michael Mehr, started in December of 2015 and is working on building his personal and commercial lines book of business and helping service current agency clients. Mackenzie Laughlin moved to our Willmar office (from Pennock) in October, 2017 and will continue working as a CSR/Agent with Sarah, Brian, and Michael.

Our Litchfield office is staffed by Crissy Raduenz, Manager and Amanda Duarte, CSR. Crissy and Amanda bring with them a wide range of experience in the insurance industry including personal lines, farm and crop insurance. They’ll continue to service their existing clients and look forward to growing and expanding the office with PHI! Crissy has 9 years of experience, specializing in personal lines, farm, and crop insurance, and will continue to act as office manager and agent. Amanda Duarte has been working in the agency since May of 2013 as a Customer Service Representative and will continue this roll with Pioneer Heritage Insurance.

Pioneer Heritage Insurance, a Trusted Choice Agency, is dedicated to you and committed to treating you as a person, not a policy. All Trusted Choice independent agents agree to a Pledge of Performance, designed to assure quality service that enables them to offer you competitive prices, a broad choice of products and valuable advocacy. You can be sure you’re dealing with a Trusted Choice independent agent when you see the following Trusted Choice logo.


On behalf of Pioneer Heritage Insurance, thank you for visiting our web-site. We hope we can visit with you soon about all of your insurance needs!


For more info, contact our Willmar office at (320) 214-3952, our Spicer office at (320) 796-2169, our Pennock office at (320) 599-4251, or our Raymond office at (320) 967-4241.

Products and services offered through Pioneer Heritage Insurance are not insured by FDIC, are not a deposit or other obligation of, or guaranteed by, the depository institution, and are subject to investment risks including possible loss of the principal amount invested.