Heinz Insurance | Insurance Since 1941
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“Dave -
Good afternoon. I am sending you an email to let you know about the Excellent Customer Service I received from your staff at Heinz Insurance and your Associates.

My wife Sue and I were heading home this morning from St. Paul on some very slippery roads and ended up rear-ending a pickup in front of us that had stopped to avoid hitting a van that had just jackknifed in front of us. I was switching lanes and got caught on the slippery part between the two lanes and was unable to stop. We were going about 20 miles per hour.

Upon impact, both of the airbags went off and there was heavy damage to the front end of our 2012 Hyundai Santa Fe. After pulling over to the side of the road, all three vehicles exchanged information and the other two vehicles proceeded on their way with very minimal damage.

I contacted your office and spoke with Pam who immediately reported the accident to Progressive. In less than two minutes from her getting off the phone with them, we received a call from their agent, but lost our connection. Less than two minutes after our lost connection, Missy from Progressive called me and said she was going to help me and wanted to know where we would like our car repaired. I told her Kappy's in Owatonna, MN and less than 30 seconds later, we were on a conference call with Al at Kappy's. She asked him if he could arrange to have our vehicle towed to their shop and he said he could, but asked if she wanted to get someone from the Metro area to tow it to Owatonna. She said she would prefer that he do it and that Progressive would pay for the towing. Al said he would contact Sweet's Towing in Owatonna and have them come get it.

She then asked me if I had a preference of a rental car company or if Enterprise would be OK. Because we have a local Enterprise office near our home, I said that would be fine. She proceeded to make those arrangements as well.

In the meantime Sue called our daughter to come get us and take us to Owatonna. About five minutes later, Tom from Sweet's Towing in Owatonna called and said he was on his way to get our vehicle and wanted to confirm its location. He asked me to contact the Highway Patrol to let them know that we were leaving our vehicle but had a tow in route to get it. We did and they towed it to Kappy's without incident.

When we got home, about an hour later, Mario from Enterprise called to ask me when I was coming to get the car they had ready for me. Sue took me to their office and I picked up the car and went to work.

Quite honestly, Sue and I were very impressed and thankful for the Fast & Friendly Service we received from everyone involved in our "Not So Fun Experience". Thanks to all of their assistance in such a timely and professional manner, our day was much less dramatic than it could have been.

Please share this with Your Wonderful Staff at Heinz Insurance and Great Group of Associates. Sue and I are Truly Grateful!!!!”

- Sue & Steve Kath
(Owatonna, MN)

Meet Our Licensed Insurance Agents

As an independent insurance agency in Owatonna, Minnesota our business revolves around people – having the right people to serve the needs of you, our clients. At Heinz Insurance Agency, we employ some of the best people in the insurance business. Our licensed agents enjoy what they do and have strong customer and community ties.


David OttersonDavid M. Otterson

Agent / President / Owner

Lic. #20123989


My primary goal as your insurance agent is to give you exceptional service and dedication.  My professional and ethical way of doing business will ensure that your insurance needs are taken care of.  I work hard to build long-term relationships with each of my clients as well as insurance carriers.  Along with day-to-day management responsibilities of the agency, I also focus on sales and account development for commercial and personal insurance for the agency.


I have expertise in all areas of home, auto, farm, individual healthcare, and Medicare coverage’s.  I look forward to reviewing current clients and prospective customers home, auto, and farm insurance looking for ways to improve their coverage at the most affordable price.  I am up-to-date on the legislative changes to the health care industry and can offer individual coverage with different carriers and several different plans to meet each client’s needs.  I am informed on any recent Medicare changes and have the ability to offer different supplement plans, along with advantage, cost plans, and Coverage D (prescription drug coverage).


My knowledge of commercial lines is second to none and I insure customers that range from large, multi-state businesses to small, local businesses, and entrepreneurs.  I work to customize insurance packages to manage the risks to fit all needs.  It is important to identify and handle risk within each customer’s situation and to present insurance options that will help reduce their exposure and have them properly covered when it comes to claim time.  My group health plan customers enjoy access to the three largest health insurance companies in the state and always the best plan available to fit their needs.


My insurance career started in 1990 out of college going to work for Westfield Insurance Companies, a company that Heinz Insurance represents.  After 8 years on the company side working in several different position’s I purchased the Heinz Insurance Agency in 1998.  The best part of my job is to use my 24 years of insurance experience to advise you of your insurance options. From there we make educated choices to meet your specific needs.


My professional designation of CIC (Certified Insurance Counselor) certification was earned in 1995 and keeps me current in the insurance industry.  I was named by the MN Independent Insurance Agents Association as “Company Representative of the Year” in 1993 and “Young Agent of The Year” in 2000.  I have served on various insurance company Advisory boards and Presidents Club’s.  I believe in working to make our community a better place.  I am a past president of Owatonna “Early Edition” Rotary Club, active chairperson at Trinity Lutheran Church and Steele County Ducks Unlimited to name a few.  I have coached several youth basketball and baseball teams over the years.


My strong work ethic comes from being raised on a farm in North Dakota.  I have a double major in Business Administration and Marketing from Moorhead State University. I have been a resident of Owatonna since 1997 with my wife Sheila and three children. In my free time you can find me with my kids at their games, concerts, and outings. I am an avid outdoorsman.


I look forward to the opportunity to assist you with your insurance needs.

Pam Elisabeth

Elisabeth Wadman

Office Manager


Bio coming soon.

Colleen Waugh

Colleen M. Waugh

Personal Lines Manager


As personal lines manager, I am here to help you with a smile! I specialize in:

  • Homes
  • Automobiles
  • Motorcycles
  • Mobile Homes
  • Boat
  • Renters / Landlord
  • Umbrella
  • Recreational Vehicles (camper, ATV)

Because we represent many insurance companies, it's great to be able to quote all of them to find you the best coverage and rates until we find the right fit for you. I will ask lots of questions so I can make sure there are no gaps or overlaps in your coverage.


My experience in the insurance industry started in 1997. Not only have I been a licensed agent since 2002, I quickly earned my CPIW (Certified Professional Insurance Woman) designation in 2004. The designation I am most proud of is my CISR (Certified Insurance Service Representative) designation that I earned in 2007. For me, it all comes down to serving the Heinz Insurance customer.


We all know that things happen, so let me make sure that you are covered so your bad day, doesn't turn into your worst day.


My husband Wayne and I live in Owatonna. We have two grown children, in my spare time I enjoy spending time with my family, especially our four grandchildren. I also enjoy camping in the summer and am an avid scrapbooker and card maker.

Jennifer Fisher

Jennifer Fisher

Commercial Lines Manager, Insurance Agent

Lic. #20453790


Commerical Lines Insurance is my specialty. Simply stated, I take pride in giving you my personal attention and assisting you with your Business Insurance needs, no matter how large or small.


We believe in having a well-rounded staff at Heinz to handle any request you may have. I can help with just about any question or concern you might have. I may not know the answers, but I will know who to ask.


It is important to me to provide competitive quotes, issue your new Business policies and process your renewals and in a timely manner. One of my true passions is to educate you about that bundle of papers we call your insurance policy. I feel that you should definitely know and understand what you are paying your premiums for. It can be difficult to understand some of the technical verbage of the policies, but that is where my years of experience will come in handy. I am here to make sure you have everything you need for your business insurance needs.


I began in the Insurance industry in 1995. When I earned my Insurance Producer Licenses in 2004, I found my home at Heinz. I love everything about being in an Independent Agency. Since we work with many carriers, it gives us the flexibility to find the right one that can tailor to your needs.


I am a native of Owatonna, have two grown sons, and currently live in Owatonna with my husband Todd and our golden retriever Beckett. Outside of work, I enjoy photography, snowmobiling, spending time with family and friends, and traveling to new destinations.