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…
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,…
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…