Insurance « Minnesota American Indian Chamber of Commerce


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About Kraus-Anderson

Core Values:

INTEGRITY– Do the right thing…always be respectful, honest and fair

COMMITMENT– Take ownership, work hard, and keep promises

TEAMWORK– Collaborate to foster trust and success for all

VALUE PEOPLE– Support each other in a safe, positive environment where people are recognized and appreciated for their contributions

Founded in 1897 and privately owned and managed by the Engelsma family for more than 70 years, Kraus-Anderson Construction is consistently ranked by Engineering News-Record among the top 50 Construction Management-at-Risk Firms in the United States. Our Minnesota base of operations is supplemented with regional offices, extending our capabilities coast to coast. Learn more

We take a highly collaborative approach with every commercial building project, working closely with owners, architects, and the rest of the planning team well before ground is broken. Clients are equipped with the right information, from cost analyses to schedules, to help them make informed decisions. Our construction management approach results in on time, on budget projects of the highest quality and the best value.

“The project manager did a fantastic job coordinating with the architect… all the meetings were on time, with the right people attending. We got great bids from subcontractors. In fact, the project came in under budget by $750,000, which allowed us to build a bus garage.” – Steve Scheills, District Administrator, Amery School District, WI


Today’s sophisticated facilities and accelerated business environments place greater demands on delivering projects. Whether optimizing value, controlling costs, or meeting aggressive schedules, success depends on decisions made at the initial stages of a project.

We offer a system of interrelated strategic services, from early conceptual planning to actual management of the construction process. Kraus-Anderson’s construction professionals focus on creating value and eliminating waste at every step of our delivery process in order to save you money and time.

Pre-Project Planning Services

  • Feasibility Studies
  • Site Assessments
  • Conceptual Cost Estimating
  • Lifecycle Cost Analyses
  • Risk Assessments
  • Cash Flow Projections
  • Preliminary Schedule Development
  • Environmental/Sustainability Assessments
  • Construction Phasing Strategies
  • Design/Constructability Review
  • City Review Process Coordination
  • Consultant Selection Assistance

Construction Services

  • Bidding and Subcontractor Selection
  • Subcontractor Coordination
  • Construction Supervision
  • Site Coordination
  • MEP Coordination
  • Document and Change Management
  • Schedule Management
  • Contract Administration
  • Materials/Equipment Procurement
  • Cost Control
  • Quality Control
  • Insurance Administration
  • Affirmative Action/EEO
Pre-Construction Services

  • Scope Development
  • Project Integration Planning
  • Budgeting
  • Cost Estimating
  • Schedule Development
  • Value Engineering
  • Constructability Reviews
  • Disruption Avoidance Planning
  • Virtual Design Coordination and Modeling
  • Environmental Life Safety Planning
  • Sustainability Analyses
  • Quality Control/Quality Assurance
  • Long-Lead Procurement
  • Compliance

Post-Occupancy Services

  • Owner’s Fit-Up/FF&E Coordination
  • Final Cost Accounting
  • Commissioning
  • Warranty


We believe diversity strengthens our organization and allows us to serve clients at the highest possible level.

Kraus-Anderson successfully reaches out to diverse groups when working with subcontractors and suppliers to help them overcome challenges, secure work and build their capacity to thrive. We partner with small businesses, women business enterprises (WBEs), minority business enterprises (MBEs), people with physical and developmental challenges, and active-duty or returning military employees.

We have been repeatedly recognized for our workforce hiring efforts by Opportunity Partners, theMetropolitan Economic Development Association (MEDA), the U.S. Department of Defense Employee Support of Guard and Reserve, and numerous public and private sector clients and partners.

We frequently work with project owners to meet specific project goals. For example, our work with Native American projects since 1990 has resulted in $75.4 million in contracts to American Indian trade contractors, and generated 811,165 hours of work for American Indian individuals.


Market Sectors


First Peoples Insurance Services Inc.
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The theory behind First Peoples Insurance began in 1998 while attending the annual State of the Band Address held by the Mille Lacs Band of Ojibwe. The address was given by Marge Anderson, who at the time was the Tribal Chairwoman of the Mille Lacs Band. She emphasized the need for the Native community to “support” each other; not only supporting each other with what we say, but with what we do. One of Anderson’s suggestions was the need to further the Band’s objective of self-sufficiency. One of the ways to accomplish this was to start, operate, and support non-traditional Native businesses.

insurance agencyThe idea of Indian owned businesses being supported by Indians would create a winning situation for all involved. This was seen as a positive plan for the members and the financial wellbeing of the Tribe. After attending the conference, Gary saw the desire of those in attendance to fulfill Marge’s dream. Roland Hill, who also attended the address and is an enrolled member of the Red Lake Indian Reservation, likewise heard the call from Marge. Through mutual friends, Roland and Gary were introduced. As they discussed Marge’s address, they began exploring what sorts of opportunities were available in the area. Since Gary was already an established agent in the insurance business, he asked Roland who provided insurance for tribal government, tribal residents, and other tribal businesses. From Roland’s knowledge, tribal insurance was provided from venders located in outside cities such as Chicago, Minneapolis, etc. Gary had the idea to somehow from an Indian-owned insurance agency. After a bit of searching, Roland discovered that that sort of business was absent form Indian Country. Gary was optimistic about the idea, while Roland was rather skeptical of the fact that a business like this has never been created before. However, because of the overwhelming details of the business plan, family life, and their other jobs, they were forced to put their business idea on hold until a later time.

insurance agencyAfter 14 years of waiting, the time had come. With rising employee benefit costs, the uncertainty involved with the ACA/PPACA, and having the right employees available, First Peoples Insurance services was formed in 2012. Roland was beginning to realize his dream of starting an Indian-owned non-traditional business. Roland has formed a core team to help guide First Peoples, its staff, and the Indian Nations in which they hope to serve in the next millennia. Please contact us today for individualized service and the new tradition in which we strive to offer in Indian Country.

Roland has formed a core team to help guide First Peoples, its staff and the Nations they serve into the next millennia. Contact us today for individualized service and a new tradition in Indian Country.
insurance agency

This is what makes us different: What you will find in the end is that we bring our service model to you and your employees. With more than just one annual visit, there will be effective communication between us. Our staff will become a vital asset to your organization and its people. Our objective is to take as much work off of your hands

Personal Benefits

Life Insurance

Offering 10, 15, 20, and 30 year guaranteed level premiums, our term life insurance plans are among the most competitive options available.

insurance agencyThe companies we represent are among the industry’s most financially stable and also offer an array of policies that provide us with the ability to offer great rates for those with or without pre-existing health conditions.

Health Insurance

Today individuals and families have challenging choices when considering health insurance plans. There are more plan designs and options available and deciding which program is appropriate for one’s family can be confusing. Whether you have an option through your employer, an individual plan or qualify for the exchange, we are here to help you make the right decision for you.

Disability Insurance

The companies we represent are among the industry’s most financially stable and also offer an array of policies that provide us with the ability to offer great rates for those with or without pre-existing health conditions.

  • Individual policies are available for people in all types of occupations. Regardless of your profession, we can design a disability income policy to meet your needs and budget.
  • Disability income insurance products can provide the funds to protect your lifestyle should you suffer an unexpected illness or injury. Let us help you find a policy with strong contractual definitions, competitive features, and pricing.


insurance agency

Individual disability insurance can help supplement long term disability benefits by protecting a higher percentage of your income — or by covering income like commissions, bonuses and other incentive pay that traditional long term disability plans may not cover.

  • Individual disability insurance is designed primarily for professionals and executives. However, if your employer offers IDI, it may be available to others at your workplace.
  • Individual disability insurance can protect a higher percentage of your pre-disability earnings (compared to traditional long term disability plans which typically cover up to 60%).
  • The length of time you can receive benefits depends on your policy. Some policies will pay benefits until you turn 67. Others have maximum benefit periods as short as two years. You must remain disabled under the terms of your policy to keep receiving benefits during these time periods.
  • Yes, you own this policy — so you always have the option to keep your coverage.

Employee Benefits

Disability Coverage

You do so much for people, and they rely on you. Imagine how life would change if an injury or illness were to get in the way. A simple injury could result in time away from work without pay. Disability insurance can pay a portion of income that is lost. Since this coverage pays you directly, you’re able to use the money as you need.

Short Term Disability

Everyday illnesses or injuries can interfere with your ability to work. Just a few weeks away from work can make it difficult to manage household costs. Short term disability coverage can pay up to 60% of your income, so you can focus on getting better and worry less about keeping up with your bills.

Long Term Disability

Serious illnesses or accidents can arise unexpectedly. They can interrupt your life and your ability to work for months- even years. Long term disability can pay up to 60% of your income so you can have financial support to manage your disability and household.

Term Life Insurance

Term life insurance provides affordable coverage for a specific amount of time. Most people buy it during their working years, so if they die, their death benefit can help loved ones manage their financial needs. Unum’s term life plans offer other important features, too — guaranteed coverage, family options, additional payments for covered accident-related claims, and early payouts for terminal illness.

Dental Insurance

Considered an attractive benefit by most employees, dental insurance operates in much the same way as health insurance.

Accident Coverage

You can’t always avoid accidents ─ but you can protect yourself from accident-related costs that can strain your budget. Accident insurance pays a benefit directly to you if you have a covered injury and need treatment. You also can get coverage for your spouse and dependents. As medical costs continue to rise, accident insurance provides a necessary layer of financial protection.

Critical Illness

When a serious illness strikes, critical illness insurance can provide financial support to help you through a difficult time. It can pay you a lump-sum cash benefit, which you can use any way to meet your needs. To help prevent illness, this plan can also pay you an annual cash benefit when you take a covered health-screening test.

Hospital Indemnity

A trip to the hospital can be stressful, and so can the bills. Even with major medical insurance, you may still be responsible for co-payments, deductibles, and other out-of-pocket costs. Our hospital indemnity plan pays a cash benefit directly to you whenever you or your covered family members are admitted to the hospital. Whether you’re being treated on an inpatient or outpatient basis, this coverage can help you manage your expenses.

Employee Assistance Program (EAP)

This program helps you and your families succeed at home and work. You can use this service for advice on typical event like financing a car, or selecting a qualified childcare or elder care facility. The service can also help you deal with more serious problems like substance abuse, divorce, or relationship problems.