Hermann Insurance Services is helping impart our wisdom from decades of experience in Minnesota. We want you to have all of the best up-to-date knowledge when it comes to insurance decision-making for life insurance, disability, business insurance, or personal insurance.
The Importance of Business Insurance for Northern Minnesota Small Businesses Small business operations involve inherent risks, such as property damage, liability claims, or natural disasters. These unforeseen events can devastate your business’s financial stability without adequate insurance coverage. Business insurance provides the necessary protection to mitigate these risks and ensure you can continue operations even…
Understanding The Unique Challenges of Northern Minnesota Winters Winter in Northern Minnesota presents unique challenges for drivers and calls for special considerations when it comes to auto insurance coverage. The extreme weather conditions, icy roads, and heavy snowfall make driving in this region particularly hazardous during winter. Car insurance in winter becomes crucial as it…
Is It Important To Insure My Ice Fishing Shack In Minnesota? Investing in a fish house, ice fishing house, ice fishing shack, or other warming house is an excellent choice for ice anglers in Northern Minnesota. These cozy structures offer shelter from the freezing cold and serve as hubs for ice fishing, eating, and relaxing…
Can Life Insurance Be Used For Charitable Giving? Life insurance is a crucial financial tool that provides protection and peace of mind for individuals and their loved ones. However, many people are unaware of the additional benefits that life insurance can offer, such as its potential use for charitable giving. Life insurance policies can be…
The Spooky Side of Halloween Halloween is just around the corner, and while it’s a time for fun, costumes, and treats, it can also be a time for accidents, particularly slip and fall incidents. Though, as a homeowner, it’s almost mandatory to partake in giving out candy each Halloween, what happens if an incident occurs…
Running an apple orchard in Minnesota involves a range of risks and liabilities that should not be overlooked. To protect your business and ensure its long-term success, it is crucial to have appropriate insurance coverage in place. This section will discuss some types of insurance that an apple orchard in Minnesota may need. One of…
Running a small business is an exciting venture, filled with dreams of success and growth. However, every business journey comes with its fair share of risks. As an insurance company dedicated to safeguarding your business’s future, we understand the challenges small business owners face. That’s why it’s important to know what insurance options are available…
Garage Keeper’s Liability is a crucial coverage that every auto repair shop should understand. This coverage protects the shop from financial losses that may occur while customers’ vehicles are in their care, custody, or control. Auto repair shops are responsible for the vehicles they service, and accidents or damage can happen even with the utmost…
As a full service independent insurance agency, our primary goal is to provide comprehensive coverage that meets the diverse needs of individuals and businesses. While traditional occupations are relatively straightforward to assess and insure, there is a growing segment of the workforce engaged in nonstandard occupations. These unconventional job roles pose unique challenges when it…
What Is Umbrella Insurance? Umbrella insurance is a type of liability insurance that provides you extra protection. This protection is beyond the limits of homeowners, auto, or other primary insurance policies. It’s designed to protect assets in case of major liability claims, including judgments leveled against the policyholder that exceed the limits of their primary…
It’s summer in Minnesota, meaning we usually find ourselves on the water. Though it can be thrilling to be a jet-ski owner, it’s essential to consider the importance of getting it insured. Jet ski insurance provides peace of mind and financial protection against unforeseen events. With numerous insurance options available, it’s crucial to choose the…
Owning a lake house can be a dream come true for many people. The serene views, the tranquility of the water, and the opportunity to escape the hustle and bustle of daily life make it a perfect getaway. However, like any property, owning a lake house comes with its own set of risks and responsibilities.…
When protecting your home from storm damage, having the right roof insurance is essential. In Minnesota and Wisconsin, hail and other types of storm damage can be especially devastating. You could avoid facing thousands of dollars in repair costs with the proper coverage. Roof insurance, also known as homeowners’ insurance, protects your home’s roof and…
Are you ready to take your Recreational Vehicle (RV) out on the open road this spring and summer? If you’re located in Minnesota, you have a lot of great campgrounds to choose from. Before you hit the road, it’s important to make sure your RV is in good shape and that you have the right…
As the world continues to reopen and traveling becomes much more accessible, it’s important to remember the potential risks and uncertainties that come with planning your next vacation. This is where travel insurance comes in. What is Travel Insurance, and Is It Worth It? Travel Insurance is a type of insurance that provides coverage…
You Need Coverage For Your Vehicle in Minnesota If you own a motor vehicle, you must have insurance on it. But too many people don’t understand how to buy this coverage. Liability Coverage–A Must in Minnesota! Liability insurance coverage is required by law in the State of Minnesota (and most other states) if your vehicle…
Most business insurance packages include general liability insurance because it can help cover the daily risks many small business owners face. Who Needs a General Liability Policy Although it isn’t usually required by law, there are many good reasons to ensure you have sufficient general liability coverage. Some industries need to be especially concerned…
What General Liability Insurance Covers As a business owner, you have many vulnerabilities. You deal with the economy’s whims, changes in your industry, and potential loss due to several potential liabilities. While you can’t fix the economy, you can protect yourself with the right insurance. General liability can cover small businesses and the self-employed and…
What Is a Bonded Contractor? A bonded contractor is backed by a third-party company known as a surety company. A surety company provides a guarantee of payment to the obligee that the principal will fulfill their obligations. Before the surety company issues a bond, a contractor must meet the surety’s rigorous process of meeting…
Divorce is a painful time filled with complex emotions and upheaval. Along with the changes you and your soon-to-be ex-spouse will go through is a change in your health insurance (Well, all of your insurance will change, but today we will look at your health insurance. You must sort this out immediately. Because stress places…
Love is in the air, and you have decided to give your sweetheart a ring or some other sparkly jewel. It’s essential to have insurance coverage on the ring to protect your investment from theft or loss. Yet, many people don’t insure their jewelry. Under or Uninsured Gems In 2021 ValuePenguin commissioned Qualtrics to…
When Your Snowmobile or ATV Breaks Through the Ice We recently looked at the importance of having sufficient insurance on your truck or car if it goes through the ice over a body of water. Today, we will consider how you can protect your snowmobile or ATV, should they break through the ice. If your…
Minnesota lakes are finally frozen. So if you haven’t already, you should soon be able to take your vehicle out on the frozen water to enjoy the great outdoors and catch some fish while you are there. But how do you minimize the risk of breaking through the ice? And if you do, will your…
Insurance Can Protect Your Holiday Season You might not think of insurance when you think of the Minnesota holiday season in terms of gift-giving, but I’m sure you can remember a crazy story or two that happened around the holidays. Unfortunately, sometimes our favorite holiday films mirror real life, and disasters can happen that often…
You may receive some lovely gifts this holiday season. How do you protect against loss from theft, damage, or destruction? Many items may be covered under your homeowners’ or renters’ insurance. Things like: Appliances Children’s toys Clothing Electronics Furniture Home Decor Laptops Sporting goods TVs Wine and spirits What If You Have Received a Pair…
Unforeseen events happen in life that can lead to property damage or injury to someone. If you are held liable, the fallout can ruin your financial health. “But I have insurance!” you say. That’s good. But is it enough insurance? What are the limits of your policy? You could be in trouble if your liability…
Ensure You and Your Kids Are Safe This Halloween With Halloween just around the corner, it’s important to remind yourself of all the best safety practices for you and your family. Although this is a celebratory holiday, accidents can happen, and it’s better to be prepared for all the possibilities. Whether it’s your costume, candy,…
Insuring the Contents of Your Storage Unit Do you know how to insure your storage unit? Fall has arrived, and it is time to put your summer toys in storage. It is also an excellent time to review your insurance policies to verify that you have sufficient coverage on where you are storing your belongings. …
Work With A Minnesota Independent Insurance Agent Maybe you’re looking at the budget for your business and wondering whether you are overspending on insurance premiums, or perhaps you have just started a business in Minnesota and don’t know where to start with getting coverage. Of course, comparing insurance rates is your best option, but finding…
Knowing where to start when choosing your personal insurance may be challenging. There are so many options! We also know that it is important to stay within your budget. You may hear a lot of commercials that talk about bundling your insurance, today we will talk about what that means and if it is right…
Making Sure Your College Student Is Insured Many things start to change when your child is ready to head off to college. For example, you might wonder if your car insurance policy should change. Should you keep your student on your policy, or is it time for them to get their own policy? These questions…
Make Sure Your Summer Water Craft Is Insured You insure your home, your car, and other high-ticket items. Don’t forget to get insurance coverage on your boat or personal watercraft (PWC), commonly referred to by brand names such as Jet Ski, Wave Runners, or Seadoos. The right policy can protect you from loss due to…
When a storm blows through town, taking shingles and siding with it, unfortunately, predatory contractors are sure to follow in its wake. If one shows up on your doorstep, offering you a great deal on the repairs, beware! Their tool bag contains more scams than tools. How do Roofers and Other Contractors Try to Scam…
Many people purchased an RV or a camper during the COVID-19 pandemic. They sought a way to have vacations safely and spend time with family without worrying about canceled reservations. In fact, according to the RV Industry Association, December 2021 showed total shipments from RV manufacturers up nearly 47% from the previous December. RVs and…
Safe drivers pay less for car insurance because they cost insurance companies less in payouts. This is why insurance companies often incentivize safe driving with discount programs. They go by various names, depending on your insurance carrier, but the basics are the same. They save you money, just for driving safely. How Do They Know…
Does Your Homeowner’s Insurance Cover Your Airbnb? If you have been reading our blog for a while, you probably know how important homeowner’s insurance is. It protects you against losses spanning from vandalism to fire. If you are going to rent out a property separate from your residence or even a room in your home,…
If you own a lake home, you will want to have the right kind and amount of insurance to protect your property. Here are some things to keep in mind when insuring your lake home. In the Land of 10,000 Lakes, there are plenty of lake homes! If you own one of them, you will…
Do You Have an Inventory of All Your Belongings? As a homeowner or renter, you should have an accurate, up-to-date inventory of all the personal property at your residence and off-site storage facilities. There are several reasons to create a thorough list and plenty of ways to approach the project. Determine how much insurance coverage…
Landscaping is expensive, takes time to establish, and adds a lot of value and curb appeal to your home. So, what happens when part of your landscaping is damaged? Do you have to pay for it out of your pocket, or is there insurance coverage to soften the financial blow? Homeowner’s Insurance to the Rescue…
Is Your Property Safe in Storage? How to Protect it! It seems everyone has something in storage. But what happens if the contents of your storage unit are stolen or are destroyed by mildew? Self-storage units of all kinds are popping up all over the place. It seems everyone has something in storage. They are…
Got Cold Feet? There’s a Policy for That! Cold Feet or Change of Heart policies are specific policies that cover the financier of the wedding (but not the bride and/or groom). Weddings are expensive! According to the Wedding Report, the projected average cost for weddings in 2022 and 2023 ranges from $24,300 to $24,900, up…
Let’s Talk Whole Life Insurance Life insurance can be confusing to shop for. Therefore, it is crucial to understand the differences between whole life and term life insurance to make the best decision for you and your family. The Cost of a Whole Life Insurance Policy Whole life insurance costs more than term life insurance,…
Let’s Talk Term Life Insurance Here at Hermann Insurance, we want what’s best for you! Certainly when regarding Life Insurance and anything else your family needs. It is essential to know what you are shopping for and today, we will go over Term Life Insurance. Life insurance can be confusing to shop for. It is…
What Whisky Plates Can do to Your Insurance. Plate impoundment can inconvenience and embarrass the impacted drivers—and their family members. But how do whisky plates affect your insurance? If you get a DWI conviction in Minnesota, one of the consequences of a is plate impoundment. This is when the state of Minnesota takes away the…
Don’t Let a Fire Extinguish Your Holiday Cheer! The winter holiday season is a time to gather with family and friends, eat good meals, and share memories. Unfortunately, it is also peak house fire season. All these fires are preventable. Christmas Tree Fires Half of all home tree fires involve electrical distribution or lighting…
Liquor Liability & Your Holiday Party. Tis the season for holiday parties. If you organize one yourself, it is essential to know the risk you are assuming and how to minimize it. It seems there is a string of opportunities to attend one between Thanksgiving and New Year’s. Perhaps you are even organizing one yourself.…
Fantasy Football, Real Insurance About 40 million people now play fantasy football in the U S. How does it work? And is it gambling? Is there a way of insuring your “investment?” An estimated 40 million people now play fantasy football in the United States. And the game is becoming a global one. For example,…
Happy Thanksgiving! Usually a time of thanks, this time we are talking about an unpleasant holiday visitor, food poisoning. You’ve worked hard to build your restaurant. Protect it. We are an experienced independent insurance agency, and we’re here to help. CDC estimates that each year roughly 1 in 6 Americans (or 48 million people) gets…
When Someone Slips and Falls on Your Property You’ve heard it before. If someone slips, falls and is injured on someone else’s property, they can sue! But what if the property belonged to you? Are you prepared for a liability claim? Let’s look at the law and how you can be protected and protect anyone…
Halloween Haunted House Event Insurance It’s that time of year again when many of us are looking for a good scare. But the last thing you want is the fear of a liability lawsuit brought about after someone was injured at a Halloween event you coordinated or sponsored. Make sure your haunted house doesn’t end…
Is Renter’s Insurance Worth It? Many renters mistakenly assume that their landlord is insuring them. But they aren’t. So if the home you rent was to burn down, how would you replace your stuff? It would help if you had renter’s insurance. When you move into an apartment or rented home, you put the utilities…
Insuring Your Teen Driver—Without Going Broke! As your teen anticipates getting their driver’s license, they are likely feeling a range of emotions, chief among them, excitement. As their parent, you probably feel a knot in the pit of your stomach as you worry about whether they will be safe driving solo. You are also probably…
A Change In Climate Could Mean A Change in Insurance Policy As you know, we cannot control the weather. Each year, Minnesotans experience extremes in climate: harsh winters, hot, humid summers, and everything between. We are no strangers to crazy weather, but do your insurance policies match these changing needs? You may be over–…