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North Dakota

Fargo insurance agent fined by state disputes giving kickbacks

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Fargo insurance agent fined by state disputes giving kickbacks


BISMARCK — A Fargo insurance agent facing the largest fine ever imposed by the North Dakota Insurance Department says the state agency misrepresented what led to the fine.

Tyler Bjerke, a representative for Midwest Heritage Insurance and Valley Crop Insurance, has been fined $136,500 and his license to sell insurance in North Dakota has been placed on probation for four years for violating a law that limits gifts to clients and potential clients, according to the order finalizing the penalties.

The per person limit means insurance agents can give a gift of $200 to a client couple, said Insurance Department spokesperson Jacob Just.

The Insurance Department said Bjerke gave 182 pub-style tables to clients and potential clients valued at $213.95.

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Bjerke doesn’t dispute the cost but contends that he originally ordered the tables from China in July 2022 at a price of $199.95 per set. He said in September 2022, he was told that the price had gone up to $213.95 due to port fees and tariffs.

He said he tried to cancel the order but would have lost a $20,000 deposit.

“I made a business decision based on $14.95 over the gift allowance and thought that no one would care about $14.95,” he said in the email. “This was $2,720.90 over the limit and I was fined $136,500, $750 per violation.”

Insurance Commissioner Jon Godfread said in a statement that licensed insurance agents aren’t allowed to give high-value gifts to consumers “because it essentially boils down to bribing clients for business.”

“Insurance should only be sold based on the competitive coverage options and premiums offered by an agent, not by those who can offer kickbacks in exchange for business,” Godfread said.

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Bjerke said the pub tables were for clients with “man-caves, shops, lake homes, etc.” as a way to thank clients he considers family members.

“For the insurance commissioner to mention that gifts are kickbacks in exchange for business is a gross misrepresentation of what occurred,” Bjerke said.

The Insurance Department also found that Bjerke hosted a concert by the band Sawyer Brown in February 2023 with free admission to clients and potential clients, with the value also exceeding the $100 limit. Prosecution of that case was deferred as a condition of Bjerke’s license being placed on probation.

Bjerke said the band was booked as part of a company and client celebration after a day of training sessions that included updates from the U.S. Department of Agriculture, which administers crop insurance programs, and U.S. Sen. John Hoeven, R-N.D., a crop insurance advocate. He said there were no tickets to the event.

Bjerke said he tried multiple times to meet with the Insurance Department and complied with their request for four years of company records.

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He said the Insurance Department has a vital role to play in creating an equal playing field for North Dakota insurance agents, but he said he believes his agency was targeted.

Jeff Kleven, executive director of Independent Insurance Agents of North Dakota, said these kinds of violations should be taken seriously and can hurt the reputation of the industry.

Kleven said every licensed insurance agent is aware of the rules on gifts.

“It’s part of the test,” he said.

This story was originally published on NorthDakotaMonitor.com

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North Dakota

Morton County did not violate North Dakota’s open records law when the County Auditor, within a reasonable time, informed the requester that the requested records were not in the County’s possession.. – North Dakota Attorney General

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Morton County did not violate North Dakota’s open records law when the County Auditor, within a reasonable time, informed the requester that the requested records were not in the County’s possession..

February 27, 2026

Media Contact: Suzie Weigel, 701.328.2210

BISMARCK, ND – Karen Jordan requested an opinion from this office under N.D.C.C. § 44-04-21.1 asking whether Morton County violated N.D.C.C. § 44-04-18 by failing or refusing to provide records.

Conclusion: It is my opinion that Morton County’s response was in compliance with N.D.C.C. § 44-04-18.

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Link to opinion 2026-O-06

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ND Supreme Court Justice Daniel Crothers retiring, stepping onto new path

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ND Supreme Court Justice Daniel Crothers retiring, stepping onto new path


BISMARCK, N.D. (KFYR) – The North Dakota Court System threw a reception for a retiring member of the state Supreme Court.

Justice Daniel Cothers is leaving after serving for more than 20 years.

He plans to step down on Feb. 28.

Before Crothers became a judge, he served as a lawyer and as president of the State Bar Association of North Dakota.

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Mark Friese is set to replace Crothers starting March 9.

“He knows what is important and what to keep focused on. Justice Friese will be an exceptional replacement to me on the bench,” said Crothers.

Crothers plans to keep up on teaching gigs and spend time at his family’s farm as he steps into retirement.



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North Dakota ambulance providers losing money on every run, according to survey

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North Dakota ambulance providers losing money on every run, according to survey


By: Michael Achterling

FARGO (North Dakota Monitor) – North Dakota ambulance service providers lost nearly $500 on average for every patient transported to a medical facility last year, according to a survey.

The recent survey of three dozen providers in the state, conducted by PWW Advisory Group, was the result of a study created by House Bill 1322 passed during the 2025 legislative session.  The group presented the results to the Legislature’s interim Emergency Response Services Committee on Wednesday.

The average revenue generated from an ambulance transport was about $1,100 during 2025, but the expenses were nearly $1,600, said Matt Zavadsky, an EMS and mobile health care consultant with PWW, based in Pennsylvania.

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“They are losing money every time they respond to a call,” Zavadsky said during the meeting. “That financial loss has to be made up, typically, by local tax subsidies, fundraisers, bake sales, or all too often, service reductions to try and match expenses with the revenue they can generate.” 

He said the problem cannot be fixed by billing reform alone because the revenue generated isn’t enough to fund the cost of readiness, such as personnel, equipment and supplies, among other items.

The survey highlighted 74% of ambulance provider expenses went to personnel costs, but equipment costs have also increased in recent years.

Zavadsky said survey respondents plan to invest about $12.9 million into vehicle and equipment purchases over the next five years, averaging to about $358,000 per provider. However, the cost of a new ambulance has risen to between $275,000 to $480,000 per vehicle. Prior to the COVID-19 pandemic, a new ambulance could cost up to $250,000, he said.

There are more than 100 ambulance service providers in North Dakota. The 36 survey respondents represented a diverse group of providers from city and county services to district-owned, hospital-based and private providers, he said. The average patient transport distance is 34 miles, according to the survey.

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Zavadsky said the survey respondents reported 53% of their total revenue was generated from fees for service with the remaining 47% coming from local tax subsidies, state grants and other fundraising.

“What you guys are experiencing in North Dakota and what is happening in the local communities … is not the fault of the local communities, not the fault of the state, this is just our new normal,” Zavadsky said.

Rep. Todd Porter, R-Mandan, owner of Metro-Area Ambulance Service which serves Morton and Burleigh counties, said Medicare patients reimburse ambulance providers at a much lower rate than private insurance and Medicaid patients. He added Medicare patients make up about 60% of the call volume in the Bismarck-Mandan area.

“If we’re being underpaid for 60% of our call volume, then we have to make it up some place,” Porter said.

He said some providers can make up that difference in reimbursement with tax dollars, but not all providers have that option.

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“We do other contracted work for nursing homes, hospitals, funeral homes in order to make up that difference,” Porter said. “This is a federal government problem. This is a CMS (Centers for Medicare and Medicaid Services) problem that we’ve known about for years.”

Porter also said ambulance services are not reimbursed for responding to a call with a Medicare patient that doesn’t require a transport to a hospital. According to the survey, about 17% of all ambulance calls don’t require transport to a medical facility.

The survey also showed about 2,300 of the nearly 33,600 patient transports billed last year ended up in collections after being more than 90 days delinquent, totalling $2.7 million, Zavadsky said. The average total of a claim sent to collections was about $1,100.

Zavadsky estimated the total of unpaid claims for more than 100 providers across North Dakota was about $5.8 million in 2025. Some providers don’t have procedures to pursue delinquent billing in collections, he said.

Rep. Jim Grueneich, R-Ellendale, chair of the committee, said the committee will take a deeper look at the data presented on Wednesday and may have recommendations, and possible draft legislation, to address the issue in the 2027 legislative session.

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