Sandy Girtz AGT
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We are a local, independent Bemidji agency offering insurance products and services from a variety of companies to suit your needs. Our friendly staff wants to get to know you and your family to understand your growing needs for Life, Health, Homeowners, Business, Automobile and Recreational Vehicle insurance. Our top priority is establishing a personal relationship with each customer.

In the aftermath of a fender-bender, home fire or office break-in, trust you local neighbors to stand with you through the crisis and walk with you through recovery. We are a full-service agency, offering coverage for all aspects of life and all stages of life. We also represent a variety of insurance companies, so you are not locked in to one group.

We can create an umbrella of coverage for you so you don't have to piece-meal your coverage with several agencies. We talk with you, get to know you, and choose products and services to offer you. Statements on this web site as to policies and coverages provide general information only.
Services
Steve North started the agency with himself and one employee, Suzy Goltz, representing one insurance company and only one client.
Within a short time, Northway Insurance Services was able to expand its portfolio to include several companies and operate as an independent agency.
In 1986, Auto-Owners, a Fortune 500 company, gave Northway Insurance a contract to sell their insurance.
Since that date, Northway has grown considerably.
In 2001, Northway Insurance was the 4th largest Auto-Owners agency in Minnesota.
As an independent agency, we are able to provide comprehensive insurance coverage for both individuals and families at competitive prices.
We can create a package just for you and your family that suits your exact needs.
Auto insurance is required by law, and provides property, liability and medical coverage in the event of an accident or theft.
As an independent agency we can compare a number of insurance companies and offer you the best rates and coverage.
Discounts are available with some companies when you pair your auto insurance with your homeowners.
As an independent agency, we offer solutions for business insurance needs.
Whether the business is large or small, we have products that many customers don't even know exist.
As a business ourselves, we understand the special protection businesses need.
Each business and industry is unique and its insurances needs are varied.
Give us a call to set up an appointment to go over what coverage you are looking for.
Often packaged together providing protection for physical assets of a business (office space, equipment, records, and more) and protection from claims that business caused injury or property damage to someone else.
Statements on this web site as to policies and coverages provide general information only.
Insurance coverage cannot be bound nor changed via submission of any online form/application provided on this site or otherwise, e-mailed, voice mail nor facsimile.
No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.
Any proposal of insurance we may present to you will be based upon the information you provide to us.
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