North Dakota
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.
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.
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.
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
Vernon Krause
Vernon Dale Krause, 93, of Fargo, ND, formerly of Wahpeton, ND, passed away peacefully on Friday, July 10, 2026, at Heather’s House in Fargo, ND, under the care of HIA Hospice.
A Celebration of life will be held on Monday, July 20, 2026, at Vertin-Munson Funeral Home, Wahpeton. Visitation will be from 9:30 a.m. to 10:00 a.m., followed by a service at 10:00 a.m., with burial immediately following at Fairview Cemetery in Wahpeton.
Vern was born on February 16, 1933, in rural Wyndmere, ND, one of eleven children born to Theodore and Ella (Rohl) Krause. He grew up in Wyndmere and attended Wyndmere Public School, where he left his studies behind to volunteer for the United States Army. Vern proudly served from 1953 to 1956 before transferring to the Army Reserves. He was awarded the National Defense Service Medal and, throughout his life, carried great pride in his years of military service.
He married Jean (Carey) Krause, and together they built a life and raised their family in Wahpeton, where he would spend most of his years. They were blessed with two children. In his later years, after developing severe dementia, Vernon moved to Fargo so he could receive the care he needed and be closer to family.
For 41 years, he worked for the City of Wahpeton Water & Sewer Department, where he was highly regarded and known for knowing every inch of the city like the back of his hand. Even after retirement, he continued to volunteer his time and expertise whenever the City needed him. Among the accomplishments he was most proud of were his early years helping develop the Chahinkapa Zoo.
Above all, he cherished his family. He loved anything to do with his grandchildren — from crafting chairs out of tree trunks and splitting wood, to watching their sporting events and helping them grow into who they were meant to be. His great-grandchildren were a true blessing to him — even if their energy made him a little nervous, he always looked forward to their visits. His nieces and nephews brought him great joy as well especially in his later years and he loved being an uncle to them. When his brother Leyone “Spud” moved to town, Vern couldn’t wait to deliver him the daily newspaper and share a chat. He loved tinkering in the garage, always engineering new ways to drain water, and he was the biggest Green Bay Packers fan around — proud to call himself a team shareholder. After moving to Fargo, Vernon was grateful for the time he was able to spend with his sister, Carole Jean, who had always been his protector.
Vernon will be remembered for his steady hands, his quiet devotion to family and community, and the example he set of showing up — for his country, for his city, and most of all, for the people he loved. He will be deeply missed.
Vern is survived by his son, Mark Krause, Fargo; two sisters-in-law, Priscilla Krause and Donna Krause; two brothers-in-law, Ron Carey and Don Carey; eight grandchildren, Carey, Danielle, Margo, Jodi, Nikki, Kevin, Brad and Tracee; 13 great-grandchildren; and many nieces and nephews.
He was preceded in death by his parents; his wife, Jean Krause; his daughter, Deb Christopher; five brothers, Alfred, Donald, Willard, Kenneth and Leyone Krause; five sisters, Dorothy Peterson, Loretta Dable, LaVelle Odegard, Lucille Kruchek and Carole Jean Johnson-Bohlken; sisters-in-law, Viola Krause, Marleen Krause, Amy Carey and Linda Carey; brothers-in-law, Elroy Odegard, Robert Johnson, Willis Bohlken, Pete Peterson, Johnny Kruchek and Frank Dable; granddaughter, Robyn Krause; and grandson, Jack Bollman.
North Dakota
‘I think I was cheated’: Men speak out after birth switch discovery
GRAFTON, N.D. — Two North Dakota men are speaking out about a 38-year-long alleged mistake that altered their entire lives.
The men and their families are suing Unity Medical Center in Grafton, saying the hospital is responsible for
switching them at birth in 1988
. The hospital denies the allegations.
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North Dakota
Neighbors, not competitors
There are moments that remind us exactly who we are as a community, and the recent fire at Antelope Creek Bar and Grill in Mooreton was one of them. Many already know the awful loss that unfolded. It was a brutally hot day, the kind where the sun feels heavy and the air is so thick, and social media quickly filled with photos, videos, and comments documenting the devastation. Heartbreaking. Gut‑wrenching. A place that held memories for so many suddenly only visions smoke and charred remains.
But even in the middle of all that loss, something else rose up, something that always seems to show itself around here when life gets hard. Kindness. Pure, steady kindness.
The volunteer firefighters were the first reminder. They never cease to amaze me. They drop everything … work, family, whatever they were in the middle of and suit up in layers of gear despite the heat and humidity. They’re regular people with regular jobs, yet they show up like it’s the most natural thing in the world. No spotlight. No applause. Just service. Just heart.
Then came the folks who arrived with water, Gatorade, and anything they could think of to help ease the burden of those battling the blaze. Nobody organized it. Nobody asked. They simply showed up because that’s what people do here. That alone would have been enough to warm my heart.
But it didn’t stop there.
As the day went on, I saw posts from other regional businesses, specifically other bar and grills, reaching out with messages of support. These are places that could easily be seen as competition, yet there they were, offering help, extending care, and standing shoulder to shoulder with the owners who had just watched their livelihood disappear. “We are here. How can we help?” they wrote. No rivalry. No hesitation. Just neighbors being neighbors.
If you ever need a reminder of what makes this valley special, it’s moments like that. People who could have stayed quiet choosing instead to lift someone else up. Businesses that could have focused on themselves choosing instead to stand with another in their darkest moment. It’s the best of us. The part of small town life that doesn’t make headlines but makes all the difference.
We talk a lot about community, but this, this right here is what it looks like. It looks like firefighters sweating through their gear on a 90‑degree day. It looks like strangers handing out cold drinks. It looks like business owners reaching across the aisle to say, “You’re not alone.” It looks like compassion showing up before anyone has time to think twice.
Loss has a way of revealing character. And what I saw in the wake of that fire was a valley full of people who still believe in showing up, still believe in helping, still believe in each other. In a world that can feel divided and loud, this quiet, steady goodness is worth noticing. Worth celebrating. Worth holding onto.
Because when the smoke clears and the debris settles, what remains is the strength of a community that refuses to let anyone face hardship alone. And that, more than anything, is the story worth telling.
That is the true Best of the Valley. The people.
Bobbi Steffens resides in the Southern Valley and discovered her passion for writing through an unexpected path.
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