Full Glass Coverage

Summer in Minnesota means road construction. I know, I know, it’s my favorite thing too.  Driving through road construction areas increases the chance that a rocks or stones are flying out of trucks and into our windshields.

Full Glass Coverage is available on any vehicle that carries comprehensive coverage.  The coverage gives you a $0 deductible for repairs or replacement of your windshield (or other auto window glass).

Repairing the chip most often means that a crack will not develop and replacing the entire windshield will not be required.  Sometimes, the damage is significant, or a crack quickly develops and a full replacement is necessary.

If you notice a rock chip or crack, contact us and we will arrange for it to get taken care of!

 

Photo by holisticmonkey on Foter.com / CC BY

10 Steps To Take After a Car Accident

Here are 10 steps to take after you get into a car accident.

1. If there are injuries, call 9-1-1 immediately. Otherwise, contact the police department to file an accident report.
2. Stay calm
3. Get contact and insurance information from the involved parties
4. Collect witness names and numbers
5. Call for a tow – either through your Roadside Assistance provider or a local towing company
6. If you can safely do so, photograph any damage
7. Don’t offer an opinion regarding who was at fault for the accident
8. Discuss accident details only with the police or your insurance agent
9. Don’t leave the scene until instructed by police
10. Call your insurance agent to file a claim.


Stay safe on the road everyone!

Entrepreneur Essentials: Business Auto Coverage

In this video, Sarah touches on the aspects of business auto coverage. Depending on your situation, your liability limits may need to be higher. For example, driving on and east coast business trip coming from the mid-west. 

Entrepreneur Essentials: Home Based Business

You may think that your home office is low risk and therefore it does not need special consideration. However, there may be exclusions within your homeowner's policy and may not cover your business exposures. In this video, Sarah speaks about home based business and their special situation.

Entrepreneur Essentials: Professional Liability Coverage

This video in the Entrepreneur Essential video series is on the topic of professional liability coverage. Enjoy!

Professional Liability

•     Errors and Omissions

•     Harm that results from mistakes or failure to perform

•     Missed contract deadlines

•     Inadvertently use a copyrighted image in marketing

•     Anything you don’t intentionally do

 

Entrepreneur Essentials: Business Interruption Coverage

Business Interruption coverage protects business owners in the case of a fire for example. Each business is different, some may be able to be back up running within a week or more, and others a few days. Watch the video to see how business interruption can help! Below is a short summary of the topics covered in this video.

Business Interruption

•     Compensates for lost business due to a disaster

•     What happens if your property is destroyed in a claim?

•     How fast can you be back operating?

•     If you need a commercial kitchen – how many of those are in your city?  What cost will you need to pay to have a temporary space?

•     What about your products – if you lost your organic, seasonal ingredient like rhubarb for the frozen pies you sell, and need to replace what burned up in the fire how much do you have to pay to source that ingredient?  Or, do you not have the product to sell until there is organic rhubarb available to you again.

•     If you are a consultant who commutes to the company headquarters, you probably need a day to replace your laptop, download your files from the cloud and can get back to work.

•     Very business dependent.

Entrepreneur Essentials: Property & Liability

Welcome to the next video in this series! We are glad you are here. Below is a short summary of the video if you prefer to read about the topics Sarah discusses in the video above.

Property

o Necessary whether owned or leased location

o Insure your space AND your stuff

o Equipment to have business function

 o Post its and pens to production machines – what do you need to be reimbursed for if you have a claim?

Liability

o Customer trips and falls on stairs or slip and falls on ice outside your store

Entrepreneur Essentials: Introduction

We have launched this video series in order to help new entrepreneurs, especially, to learn about what insurance coverage they need to have. In the following few posts, Sarah will be covering 7 topics that entrepreneurs should have knowledge on. Stay tuned for the next post and let us know what you think in the comments!