Young Artists Gallery... Now Open!

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Clients and visitors to our office now get to enjoy the works of young artists in Southern Minnesota and Northern Iowa. The featured artwork will be rotated multiple times throughout the year.

This colorful fall display is courtesy of the 1st and 2nd grade students at Halvorsen Elementary School in Albert Lea. Thank you for sharing your talents with us!

Do you know a Young Artist who would like to have their work displayed? From toddler finger paintings to fine art by high school students, we welcome it all! Complete the form below so we can invite them to be a part of a future display.

Contact Name *
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Tricks and Treats

Intego Insurance hosted it's 3rd Annual Little Pumpkin Party in Albert Lea, MN on Friday night, October 21 and in Alden, MN on October 22.  

Dressed in their Halloween costumes, the kids had a great time painting pumpkins, getting their photos taken and enjoying snacks.  There were plenty of adults enjoy the fun event, too!

Click to the right or left of the picture frame below to see additional pictures.

Water, Water Everwhere...

Minnesota was hit with torrential rains last night.  For some of us, the thunder, lightening and the 5" - 7" of rain kept us awake.  For others, water coming in our basements is what kept us up.  If you're bailing water out of your basement here's a few quick steps to help you navigate a difficult day.

Step 1: Do what you can to contain water and prevent further damage.

  • Take photos and/or video of damage
  • Inventory items that are water damaged
  • Track the time you spend cleaning

Step 2: Determine source of water.  Is it:

  • Coming up through the drain?
  • Is the sewer backing up?
  • Sump pump failure?

Step 3: Contact your agent

Step 4: Determine if your policy includes the water and sewer backup endorsement

Step 5: If you have the endorsement, a claim is submitted

Step 6: Contact Cleaning Company, if needed

  • Hauser Chem Dry 507.280.9050
  • Steam Brothers 507.373.9850
  • ServiceMaster 641.323.1057
  • SERVPRO 507.334.2565 or 641.424.3382
     

 

 

Progress Continues

Progress continues at the lower level of 1206 W. Front St. Clients are going to love the work done by talented individuals from Red Door Construction, LLC, Southern Lock & Glass, Albert Lea Electric Companyand painter Derald Berg and his crew. We will soon be setting a final move-in date!

Party Lights, Cocktail Napkins and Event Insurance?

Summer in Minnesota means weddings, festivals, charity golf tournaments and a whole lot more!  These events are fun, memorable and allow us to spend time with family, friends and our communities.  Today we’re going to explore special event insurance and learn how the features of these policies can make ensure your event is successful.

Liquor liability is a must if you’re going to host a wedding or event at your home that involves alcoholic beverages.  While most homeowners insurance policies offer social host coverage – this does not mean you can have 500 people on your property and act like it’s just another day because it’s NOT to your homeowners insurance company.  Liquor liability is available as it’s own policy if you want to purchase the wine, beer and liquor and make it available to your guests.  Another option is to hire a caterer who has a liquor license.  And a final option in our area is to hire a local municipal liquor store to serve only the drinks.  By hiring a caterer or the municipal liquor store, the majority of the responsibility for the liquor liability is passed onto them.  However, you still need to consider event coverage to cover things like property damage and injury while at your property.

Large community festivals don’t just happen; they take the coordination of committee member and volunteers.  While a festival may seem low risk, accidents and injuries happen.  Event coverage can protect those hard working volunteers and committee members.  An organization or small town may not be financially able to pay for significant medical costs if a volunteer is injured during the event, which is why event coverage is an important consideration.

And here in Minnesota, weather can be a factor year-round.  Whether it’s winter blizzards or severe thunderstorms in the summer, weather can dampen spirits and be the reason an event flops.  If a local festival hired a band to perform an outdoor concert but a severe thunderstorm prevents the performance, an event policy can help offset the loss of paying the band and cancelling the event. 

Maybe the event doesn’t have to be cancelled, but any sort of weather event affects the finances.  If a local group is hosting a three day long sports tournament and weather forces the tournament to be cut down to two days, ticket sales to watch the tournament won’t be as good.  Rain date coverage is available to offset the loss of income the local group experienced.

A different charity golf tournament is going on nearly every day this summer.  You can add some drama to the tournament by having a Hole in One Contest.  Your group, or a sponsor, buys a policy for around if someone hits the hole in one, a prize of up to $50,000 can be out. Costs for a $10,000 prize usually costs around $300.  A Hole in One Contest is a great opportunity for your organization to find a sponsor to pay the costs of the insurance and build their business while making your charitable event more fun!

While events themselves are not typically simple, quick to plan or low cost, event insurance is all of those.  And, for the security and peace of mind if affords, it’s definitely worth exploring. 

If you have a special event coming up that you think may require coverage, please let us know!

Back to School Photo Contest

Rules of The Game

Step 1: Submit a photo by September 30th of your favorite back to school photo on our Facebook page.

Step 2: In order to be eligible for entry, you must “Like” Intego Insurance Services on Facebook.

Step 3: Share the photo and ask your friends and family for likes.

Step 4: On October 7th, the photo with the most likes will be the winner & will be announced on the Facebook page.  Winners will receive a $50 gift card to Celebrations

How To Make Sure Your Polaris UTV Can Handle Anything in Minnesota

How To Make Sure Your Polaris UTV Can Handle Anything in Minnesota

You’re planning to make the most of Minnesota’s extensive recreational trails this summer in a new Polaris Ranger or maybe you’re going to use that Polaris to get around your campsite in style.  

The Polaris Ranger and similar side by side styles are part of a newer class of vehicles called UTV’s - or Utility Task Vehicles.  UTV’s can be used off road for trail riding but also serve very practical purposes around the farm.  

So…it’s not a car and it’s not a motorcycle, how do you insure them?

Let’s find out how, with a few tips, to make sure you and your Ranger or other UTV policy is up to the task of protecting you if something goes awry.

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Brian earns CLU® Designation

It's official; Brian's clients get a adviser with more knowledge! He now has the letters CLU® behind his name.  Earlier this year, Brian completed his Charter Life Underwriter (CLU) professional designation.  Candidates for CLU® complete a minimum of eight courses and 16 hours of supervised examinations.  They must also fulfill stringent experience and ethics requirements.

‪#‎IntegoHelps‬

How To Hand Over $5,000 When Someone Hits a Hole In One

FORE! Is your organization or group hosting a golf tournament this summer? Add some drama to the tournament by having a "Hole in One Contest." Your group, or a sponsor, buys a policy for around $300 and if someone hits the hole in one, you can them $5,000 or maybe even $10,000. IT's a great opportunity for your organization to find a sponsor to pay the costs of the insurance, and build their business while making your charitable event more fun!

Call Brady or Sarah at 507.874.3419 or email info@integoinsures.com for additional information.

 

What Happens if You Have a Claim?

What Happens if You Have a Claim?

If you've never had an insurance claim, consider yourself lucky.  For others, there's been a bit of bad luck that has had you calling your agent to turn in a claim.  When we get phone calls from clients reporting claims, oftentimes it's followed by questions as to how the claim process works. Here's a fact sheet that can serve as a reference for you if you ever find yourself turning in a claim.

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