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Member Benefits
Did you know if you buy an AAA membership from us that you could have
towing on liability only cars? And if you are a sport fan, you
can save on Timberwolf, Twins etc. tickets.
Considerations
Construction Industry
If I'm "additional insured," does it protect me after the project
is finished? If my sub-contractor's work resulted in a claim, would
my policy protect me at all? If my business property is in my personal
garage and it burns down, do I have coverage? Are my sub-contractors
really independent? What is this contract I'm signing really asking
for and could I be open to a breach of contract lawsuit?
Trucking Industry
Why do I need General Liability for trucking? Do I have coverage
for lost income if my truck is involved in an accident? What is "Stated
Amount" and when do I want to have that coverage? Do I have coverage
for loading and unloading my trailer?
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Insurance Products
We have six licensed agents on our personal lines staff, four licensed
agents on our commercial staff and three agents handling our life, health
and employee benefits. We are committed to providing our customers
with more than just a number. Anyone can look up a rate and calculate
a premium. We believe that you deserve knowledgeable agents who
will take the time to fully review your coverage's and help you
to understand what they are and more importantly, where there may
be problems. With more companies than most agencies in our area,
we can work with you to find the coverage and pricing that suits
your needs.
Personal Insurance
Do you know . . .
Do you know someone who had an auto
claim and had to miss work because of it? We will suggest PIP stacking
on your policy with more than two vehicles so that you can get
the most out of your work loss benefits.
Do you know anyone who has had a
homeowner's claim and did not get enough payment reimbursement
to rebuild his or her house? We not only write your home insurance but
we will work with you to determine the proper value and replacement
cost.
Do you know you can schedule personal
property on your homeowners policy? Examples include:
- Jewelry
- Guns
- Cameras
- Musical Equipment
- And More
Check with an agent today to see if your item qualifies.
Do you know someone who has been
sued for more than their policy limit? An Umbrella/Excess policy
can protect you against this type of claim. Contact an agent to
learn more about umbrella protection.
Teensurance: Preparing Your Teen for
The Road
Many companies now offer "Teensurance." Teensurance offers a roadside
assistance program with a GPS based monitoring device that will
help reinforce your teen"s driving habits. This service also offers
Remote door unlock, speed limit reminders, safe driving zones,
driving curfew reminders and vehicle location tracking. To find
out more information regarding this program, contact our agency
today.
Business Insurance
Some coverage's we write for our customers are:
- General Liability
- Umbrella
- Property
- Tools and Equipment
- Commercial Auto
- Directors and Officers
- Professional/ E&O
- Special Events
- Workers' Compensation
- Crime
- Bonds
- Liquor Liability
- Builders Risk
- Employment Practices
- Garage Keepers
Do you know . . .
Do you know what an Additional Insured
is? By adding a company or a person as an Additional Insured to
your policy, you are granting them the same limits, benefits and
rights as you, the policyholder.
Do you know what the penalty is
for not carrying Workers' Compensation when coverage is needed?
In addition to having to reimburse up to 165% of the benefits paid,
employers can be fined over $1,000 per employee for each week they
failed to purchase coverage. Fines may accumulate depending on
the situation. If you are unsure as to whether Workers' Compensation
insurance is needed, please contact us today.
Do you know if a trailer is being
used commercially and the gross vehicle weight is over 2000 lbs.
it needs to be specifically listed on the policy to have liability
coverage?
Do you know how much you will get
paid every month if your business cannot operate? Does your current
policy provide Business Income or Extra Expense coverage? Our agents
will review the benefits of this coverage with you so you can determine
if coverage is needed.
Do you know that even truckers need
General Liability coverage?
Do you know what the purpose of
an audit is? Audits guarantee the insured has paid the correct
policy premium. Estimated figures (payroll or sales) are used to
calculate the initial premium. The policy is audited at the end
of the term and the premium is recalculated using actual numbers
from the insured's books. As a result, the insured may receive
a refund or additional premium may be due. While reviewing your
policy annually, we will adjust estimates accordingly to help prevent
large audit credits or bills.
Meeting Site Liability Insurance
Today more and more meeting sites are requiring groups to provide
premises liability insurance coverage. In the event of an accident,
legal fees and building repairs are expensive for both the property
owners and groups leasing or using meeting space. RecoverSource
can protect your organization against claims arising from bodily
injury and property damage that might occur while a group is occupying
space. RecoverSource is an association dedicated to providing cost-effective
insurance for such groups.
Cost:
March 1 to May 31: $460
June 1 to Aug. 31: $370
Sept. 1 to Nov. 30: $280
Dec. 1 to Feb. 28: $190
Aggregate limit: $3,000,000
Each occurrence limit: $1,000,000
Fire Damage: $300,000
Medical Payment Coverage (per person): $1,000
Enroll in RecoverSource by completing the application form and
submitting online or mailing with your payment to:
RecoverSource,
PO Box 309, Grand Rapids, MN 55744.
RecoverSource Applications:
- MEETING SITE
- SPECIAL EVENTS
Life Insurance, Health Insurance & Employee
Benefits
George Wilbur is responsible for managing this department. He has
over 35 years of experience in the business with an undergraduate
degree in insurance and an MBA from the University of North Dakota.
Life Insurance
Our agency has access to all major companies to provide solutions
for all your life insurance needs, personal or business. Our newest
service is a policy audit program for all of your existing policies
to make sure you have the right kind and correct amount of coverage.
Health Insurance
Health insurance products from all major companies in Minnesota
are offered, including health savings accounts. A variety of Medicare
products are also available for the senior market.
Employee Benefits
Whether your company is small or large, fully insured or self-insured,
we have the experience and expertise to help satisfy all your employee
benefit needs. A full menu of voluntary employee benefits is also
offered.
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