About Us

Foley Office


The original home of The Insurance Shoppe, our Foley location has been providing Central Minnesota with personal and specialized insurance for nearly 30 years. In 1987, Ron Zillmer founded The Insurance Shoppe with the vision of being the premier insurance provider in the Foley area. Even though we’ve grown and added locations in Princeton and Milaca, our commitment to providing our community with one-on-one and individual insurance solutions, at the best rates, has never changed. The experienced team at our Foley location has all the tools and know-how to find you the coverage you need. Meet the Foley team:

Ron Zillmer
Email: ronzillmer@the-insurance-shoppe.com

Founder and former president and owner, Ron Zillmer, has over 30 years of insurance industry experience. Although Ron is now technically retired, he still enjoys working with Medicare supplemental lines of insurance.

Ron enjoys spending time with his five children and five grandchildren. Ron’s hobbies include spending time at the cabin, fishing, hunting, and motorcycling.

Karen Garceu
Email: garc@the-insurance-shoppe.com

Since 1995, Karen has been providing The Insurance Shoppe clients with exceptional customer service. In addition to being the Licensed Customer Service Representative at our Foley location, Karen is licensed in both Property and Casualty and also Life and Health insurance lines.

Karen and her husband, Ted, reside in Foley. They have five grown children and eight grandchildren. Karen is very active with her grandchildren and enjoys spending her free time with them.

Scott Beehler
Email: sbeehler@the-insurance-shoppe.com

Scott has been a licensed member of the Foley location team since 2011. A Foley native, Scott attended Southwest Minnesota State University where he earned his Bachelor’s Degree in business administration, along with minors in marketing and financing. Scott was also a member of the football team at SMSU. He is licensed in home, auto, farm, commercial, life, and health insurance. Scott was drawn to the insurance industry because it allows him to combine his sales experience with the enjoyment of helping people on a daily basis.

Scott and his wife, Nicole, are lifelong residents of the Foley area and are the proud parents of two loving children, Caleb and Olivia. Scott now gives back to the Foley community by coaching baseball and football. In his free time, Scott enjoys hunting, camping, and spending time with his family and friends.

Amy Kroska
Email: amy@the-insurance-shoppe.com

Amy joined the Foley office in July 2013 and has been in licensed in Property and Casualty Insurance since August of that same year. Although one of our newest members, Amy brings over 15 years of client and customer service to the table and enjoys meeting and working with our customers.

Amy and her husband, Jared, reside in Foley and have two children, Claire and Jackson. Amy enjoys gardening, singing, and spending time with family and friends.

Princeton Office


The Insurance Shoppe’s Princeton location was opened in 1991. Since then, the Princeton office has become one of the area's largest insurance providers. The office is fully staffed with licensed agents and customer service representatives. Much like our Foley and Milaca locations, the Princeton office provides all lines of insurance. Whether you’re looking for home, auto, recreational vehicle, life, health or commercial insurance, we can do it all. Meet the Princeton team:

Dennis Johnson
Email: insurance1@sherbtel.net

Dennis has been a member of the Princeton team since 2001. In addition to serving as The Insurance Shoppe Vice President, Dennis is licensed in all lines of personal and commercial insurance, specializing in commercial. Dennis has over 16 years of experience in the insurance industry.

Dennis and his wife, Kelley, are lifelong residents of the Princeton area. They have three grown children Erin, Allie & Eric.

Dennis enjoys hunting, fishing, and spending time at their cabin on the lake.

Lynn Gunderson
Email: lynngunderson10@aol.com

Lynn is our Office Manager and licensed Customer Service Representative at the Princeton location. Lynn brought seven years of prior industry experience when she joined The Insurance Shoppe in February 2011.

Lynn and her husband, Brandon, reside in Sauk Rapids along with their three children Alli, Hattie, and Brantley.

Lynn enjoys spending time with her family, shopping, traveling, ice fishing, snowmobiling, and spending time at the lake.

Phil Svihel
Email: philsvihel@hotmail.com

The senior member of the Princeton office, Phil has been a part of The Insurance Shoppe team since October 1997. Although Phil is licensed for your complete auto, home, farm, and commercial insurance needs, he specializes in auto and home lines.

Phil and his wife, Michelle, are lifelong residents of the Foley area. They have three children as well as one son-in-law and one daughter-in-law: Karen and her husband Joel, Jenny, and Danny and his wife, Erin.

Phil enjoys spending time with his family, hunting, fishing, almost any outdoor activity, and going to the cabin to relax with friends and family.

Milaca Office


In 2013, The Insurance Shoppe acquired Safeguard Insurance Agency and welcomed the Milaca community to our family. The insurance professionals at the Milaca office are proud to provide full lines of home, auto, agricultural, commercial, workers compensation and bonds with the same friendly, local, and personal attention you’d expect from The Insurance Shoppe. Walk-ins are always welcome. Meet the Milaca team:

Steve Carlson
Email: scarlson@the-insurance-shoppe.com

Steve Carlson has been a licensed agent since 1980. He is licensed in all lines including life insurance and bonds. Steve works with both personal and commercial lines and is also a public notary. Steve lives in the Princeton area and works in the Milaca office.

Zac Zillmer
Email: zacz@the-insurance-shoppe.com

Being in the family business, Zac has been around The Insurance Shoppe his entire life. Zac officially joined The Insurance Shoppe in 2014 and assumed the role as President when Ron stepped down in January of 2017.

Originally from Foley, Zac now lives in Milaca and is an active member in both communities as a board member of the Milaca Area Chamber of Commerce, a board member at Stones Throw Golf Course, a member of the Milaca Volunteer Fire Department, and as a football coach for the Foley Falcon varsity football team.

In his free time, Zac enjoys golfing, fishing, and spending time with friends and family.

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