About Us

The Harmoning Agency was started in 2000 and moved to the present location on Main Street in Franklin, in August of 2005. Since deciding to enter the insurance business we have strived to assist our insureds in understanding their coverage and what is available. We pride ourselves on explaining and educating our clients on what is available to them for coverage. Our motto is "You will understand what you are buying."

Our agency handles many coverages that are as diverse as the area we are from. We specialize in Farm coverage's - Property, Liability, Vehicles, Health, Workers Compensation and Crop.

Another specialty is taverns, sports bars, restaurants or bar and grills, that require liquor liability, which we can package with the property and general liability coverages.

Agency Staff

Joel Harmoning

• Joel uses the lessons learned, both on the family farm in Northwestern Minnesota as well as during his years in the U.S. Marine Corps, daily in his business.
• Minnesota certified Farm Risk Management Consultant since 2001.
• Proud member of CIC (Certified Insurance Counselor) since 2006.
• Member NFIB (National Federation Independent Business).
• Member MFU (Minnesota QBE Farmers Union).
• 3 Time Mile High Summit Qualifier - National Sales Honor Award.
• 2008 Minnesota Agent of the Year recipient.

Jennifer Moritz

• Customer Service Representative since 2006.                                  
• Licensed agent since 2006.
• Certified Insurance Service Representive (CISR) since 2009.
• Member of Society of CISR

  Jody Wertish

   Agent - Life Accident & Health specialist

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To have us provide a quote for any of these services, please call us directly at (507) 557-7000 or you can use the online quote request form and we will get right back with you.