General Liability
As a business owner, you most likely have a shop, garage, large and small tools, equipment, etc. At Greater Insurance Service, we insure anything from your Main Street store or a contractor’s shop for your large equipment and small tools that you use on the job. Are you covered properly? Contact us today to learn more about the ways to insure your commercial property and your equipment.

Cyberliability
With our ever-changing and growing technology exposures within businesses, Cyber Liability coverage is becoming more and more important. If your business is using a software program, exchanging emails or taking credit card payments, your business may be at risk. This coverage can help with damages including but not limited to Errors and Omissions, Media, Network Security, and Privacy.

Professional Liability/Errors and Omissions
There are many professionals that specialize in areas such as the Medical Field, Accounting, Insurance and Legal as well as many others. General Liability policies do not cover against claims arising out of advice for these special services and it is Professional Liability coverage that would respond in the event of a loss or lawsuit. GIS works with insurance companies that specialize in writing policies for Professionals in the above-mentioned industries. Contact one of our commercial lines agents today to discuss the options and limits that are available.

Directors and Officers
Directors and Officers (D&O) coverage is protection for the Directors and Officers of a company or organization. This coverage is designed to respond when there is a claim arising out of a wrongful act or negligence on behalf of an individual acting in part for the organization. A director or officer is expected to act with due diligence and if they do not, they can personally be held responsible. Contact our commercial lines team today to see what options are available for your Directors and Officers.

Employment Practices Liability Insurance (EPLI)
Employment Practices Liability coverage provides protection against claims arising out of sexual harassment, wrongful termination, discrimination and other employment-related claims. If you have questions regarding Employment Practices Liability, contact one of our commercial lines staff today to review this coverage option with you.

Bonds
There are many types of bonds available including but not limited to Contract, Judicial, Fiduciary, Public official, License and Permit, and many miscellaneous bonds that include guarantees of financial performance or fulfillment of contracts. If you have questions about Bonds or would like one of our agents to review your bond, contact our commercial team!!

Umbrella
As a business owner, you most likely carry General Liability (GL) insurance. A commercial Umbrella policy is designed to give you an additional layer of coverage as well as other areas of your policy. Speak to one our agents today to learn more!

Business Property
As a business owner, you most likely have a shop, garage, large and small tools, equipment, etc. At Greater Insurance Service, we insure anything from your Main Street store or a contractor’s shop for your large equipment and small tools that you use on the job. Are you covered properly? Contact us today to learn more about the ways to insure your commercial property and your equipment.

Building and Business Personal Property Insurance 
As a business owner, you most likely have a shop, garage, large and small tools, equipment, etc. At Greater Insurance Service, we insure anything from your Main Street store or a contractor’s shop for your large equipment and small tools that you use on the job. Are you covered properly? Contact us today to learn more about the ways to insure your commercial property and your equipment.

Inland Marine Insurance
As a business owner, you most likely have a shop, garage, large and small tools, equipment, etc. At Greater Insurance Service, we insure anything from your Main Street store or a contractor’s shop for your large equipment and small tools that you use on the job. Are you covered properly? Contact us today to learn more about the ways to insure your commercial property and your equipment.

Builder’s Risk Insurance
As a business owner, you most likely have a shop, garage, large and small tools, equipment, etc. At Greater Insurance Service, we insure anything from your Main Street store or a contractor’s shop for your large equipment and small tools that you use on the job. Are you covered properly? Contact us today to learn more about the ways to insure your commercial property and your equipment.

Equipment Breakdown
As a business owner, you most likely have a shop, garage, large and small tools, equipment, etc. At Greater Insurance Service, we insure anything from your Main Street store or a contractor’s shop for your large equipment and small tools that you use on the job. Are you covered properly? Contact us today to learn more about the ways to insure your commercial property and your equipment.

Crime
What if your business was robbed? What if an employee was stealing? Would you be covered or have proper coverage? Crime coverage is designed to allow a business owner to file a claim arising out of robbery, burglary, and any other forms of theft. Our commercial team at GIS can assist you with this coverage and/or review your current policy to determine if you already have this coverage. Give us a call today!

Group & Individual Health, Life and Disability

Health
Medical insurance can be complicated. It’s filled with plans/premiums that are constantly changing. When searching for a plan, you want coverage that works with you and your lifestyle along with what works with your financial situation. We offer a large variety of options that can help ease the process while choosing the best plan that will fit your needs. Our agents are here to give you the information you need to make an informed decision of the coverage that is right for you and your family.

Life
Your life will change throughout the years, but one thing remains and that’s your need for life insurance. Wherever you are at in life, the ones you love depend on you. Your goal is to protect them, no matter what. Our policies will protect your beneficiaries with financial stability and security when it matters most. Life insurance can help your beneficiaries with:

Covering any lost income, helping continue the same standard of living
Paying off any debts
Paying for your children’s education
Covering funeral and related costs

We have found that the best way to deal with the unpleasant reality or the unforeseen circumstances are providing peace of mind through proper planning your future. You would be very surprised how little time and money it takes to provide you and your loved ones with the financial protection that they need.
Consult with us today for a review to help determine the best type of life insurance and the appropriate premiums for your situation. Our agents are here to help you make a decision that’s right for you!

Employee Benefits
You’re a business owner and you have some amazing employees that work for you. How are you going to keep those employees from leaving? A great way is to offer a benefits package that helps retain those employees.

Many small-business owners make the mistake of thinking they can’t afford any benefits to offer their employees. When going without benefits, you may reduce your cost up front but may run into a huge turn over rate in your business by not providing a security for you and your employees.

A list of benefits including but not limited to medical insurance, a retirement plan, life/disability insurance and many more. When offering the right benefits to your employees they are going to feel more valued, and more satisfied. They are unlikely to quit and will meet your monthly goals just to keep their benefits that you provide.

Every business can get a plan that is tailored to their needs. Call an agent today to determine a benefit package that can help you and your employees.

Jeannie Kubat
Cell:  (218)398-3791
Email: jkubat@gismn.com

Homeowners, Renters, Cabin

With homeowners insurance, you can protect your home or cabin and your possessions you’ve worked hard for. There are many options of what home insurance can cover on your property. Purchasing home insurance gives you the peace of mind that losses caused by storms, fire, theft, and other events will be covered. It will also cover against any lawsuits from injuries that might have occurred on your property.

A Renters Insurance policy is designed to protect you against losses to your personal property and against liability claims. Your landlord may have insurance but it doesn’t mean it covers your possessions or protects you against lawsuits. Get the comfort knowing you will be covered in the event of a loss.

Contact us today to see how we can protect one of your biggest investments and give you peace of mind.

Personal and Business Auto

Auto insurance policies are designed to help cover financial burdens related to auto claims. It helps protect you, passengers, other drivers, pedestrians, property and your automobile. Auto insurance also helps protect you in the event of a lawsuit associated with an incident involving your auto. Overwhelmed by all the auto insurance choices? We can make finding the right auto insurance plan easy. Let us help you find the plan that provides the best coverages for you.

We will provide you with rates from multiple insurance companies to help you shop for the best combination of price and coverage. We’ll clearly explain the options, so you can make the best decision on which plan works best for you. We insure anything from your commercial truck to your weekend collector vehicle. Give us a call or stop by to learn more!

Recreational Vehicles and Watercraft Insurance

Recreational vehicle insurance is not required but having this coverage will protect you if your ATV or snowmobile is damaged or stolen. Liability can also be picked up if it is not already provided under your homeowners policy.

Our agency works with many companies that will insure your personal watercraft whether it’s a fishing boat, sailboat, jet ski, or houseboat. There are plenty of options with your coverage, including roadside assistance, on water towing, total loss replacement, and also covering anything that is attached to your boat. It will also cover any liability issues that may be caused by an accident. Our agents will be able to show you the best boat insurance option for your watercraft. Give us a call today and we’ll be happy to assist you with these coverages.

RecoverSource

Today more and more meeting sites are requiring support 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. Not eligible for coverage if childcare services are provided.
Cost:

March 1- May 31st $425.00
June 1 -Aug 31st $318.75
Sep 1 -Nov 30 $212.50
Dec 1- Feb 28th $106.25

Price includes $70 for membership and administrative fees.
Aggregate limit: $3,000,000
Each occurrence limit: $1,000,000
Fire Damage: $1,000,000
Medical Payment Coverage (per person): $20,000

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.

Not eligible for coverage if childcare services are provided.