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…
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…
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 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…
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…
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…