Our Corporate Mailing Address:
2003 NW Northdale Blvd - Coon Rapids, MN 55433
Call: 763-754-1824 -Fax: 763-862-9367

Wednesday, December 5, 2018 8:44 pm

Be Prepared For The Next Storm

There is no question another wind, flood, hail, or rain storm is in our future. It is always best to do a little preparation now so that you and your family are ready. First, we recommend that you have an agent complete a personal insurance review. There are some key areas of your personal insurance that help you in the event of a storm. These are just a sample of the kinds of questions we might ask you.

•        Do you have flood insurance?

•        If you live in high wind areas, you may need special wind coverage.

•        Are your deductibles in line with your lifestyle?

•        Does your homeowner’s insurance include extra expense coverage? This would provide funds to rent a second home or a hotel room in the event your home needs repairs.

Create An Emergency Kit

•        Three-day supply of food and water

•        Medications

•        Sanitation and personal hygiene items

•        Flashlight

•        Whistle

•        Cash

•        Photocopies of identification and credit cards

•        Batteries

•        Solar power source for smartphone

•        Dust masks for every family member

•        Items for infants such as formula, diapers, bottles, and pacifiers

•        First aid kit


Tuesday, November 20, 2018 8:43 pm

Make Your Thanksgiving A Truly Thankful One… No One Gets Hurt

 

Holiday Safety Tips

We are truly thankful for all our clients who have trusted us with their personal or business insurance. We know you have many choices and we will work hard every day to provide you with the best possible combination of insurance coverage, pricing and service.

The Thanksgiving Holiday is filled with family, friends, shopping, eating and drinking. All these can be great but can also lead to increased chance of accident and injuries. During this season of thanks, we offer a few tips to keep you safe.

Shopping Safety Tips

Always be aware of your surroundings.
Put your shopping bags in your trunk.
NEVER leave car doors unlocked or windows open.
ALWAYS park in lighted areas. Do NOT park in remote areas.
Keep receipts in your wallet or purse.
Avoid carrying large amounts of cash.
If you make expensive purchases like jewelry or guns, call our office as we may need to add these to your policy.
Driving Safety

·         Never drink and drive.

·         Plan your route in advance and check traffic reports and weather conditions before you leave.

·         Be prepared for emergencies - keep a blanket, boots, an extra pair of gloves and a flashlight in the trunk of your car.

·         Long trips are tiring and fatigue can be deadly when you're driving. Driver fatigue was a factor in 65 road deaths and nearly 1200 injuries last year. Plan to get enough rest beforehand so that you drive fresh.

·         Have roadside assistance contact information on hand, in case an incident occurs on the road.

Quick Turkey Tip

Safely cooking a turkey starts with correctly defrosting it; place your bird on a tray or pan to catch any juices and keep it refrigerated until it’s ready to cook.
We hope you have a safe and happy holiday


Tuesday, November 13, 2018 8:41 pm

How To Reduce Workers’ Compensation Costs

Workers’ Compensation is coverage purchased by the employer that provides insurance if employees are injured while on the job. Most states require that employers purchase the insurance on behalf of their employees.

Workers’ compensation costs can make up a large portion of business operating costs. It is beneficial for employers to find methods of reducing both the direct and indirect costs associated with workers’ compensation.

Workers’ Compensation Cost Reduction Methods

Using an independent agent who can help you market your workers’ compensation program is a good way to keep premiums competitive.

Selecting the right carrier. Not all insurance companies are created equal. Does the carrier have experienced loss control and claims professionals? Low rates can mean the insurer does not have quality support; and if the claim goes bad due to lack of supervision, you will end up paying more in the long run.

Does your company have an up to date safety and return to work program? This is critical in the management of the injury and post-accident process. Getting injured workers back to work as soon as medically possible is very important and can reduce indemnity costs.

Provide ongoing staff training. Keeping all employees informed and part of the process will make them feel invested in the long term benefits of your safety program.

The small amount of money you spend on these items will have a positive impact on your overall costs.


Wednesday, October 24, 2018 8:16 pm

Rental Car Insurance


Wednesday, October 10, 2018 6:11 pm

Be Prepared For The Next Storm

Be Prepared For The Next Storm

There is no question another wind, flood, hail, or rain storm is in our future. It is always best to do a little preparation now so that you and your family are ready. First, we recommend that you have an agent complete a personal insurance review. There are some key areas of your personal insurance that help you in the event of a storm. These are just a sample of the kinds of questions we might ask you.

  • Do you have flood insurance?
  • If you live in high wind areas, you may need special wind coverage.
  • Are your deductibles in line with your lifestyle?

Does your homeowner’s insurance include extra expense coverage? This would provide funds to rent a second home or a hotel room in the event your home needs repairs.

  • Create An Emergency Kit
  • Three-day supply of food and water
  • Medications
  • Sanitation and personal hygiene items
  • Flashlight
  • Whistle
  • Cash
  • Photocopies of identification and credit cards
  • Batteries
  • Solar power source for smartphone
  • Dust masks for every family member
  • Items for infants such as formula, diapers, bottles, and pacifiers
  • First aid kit

Since your home is your most valuable asset, you need homeowner’s insurance.  Homeowners insurance gives you financial protection and peace of mind if something unexpected happens to your homes like theft, fire, natural disaster, or other loss.