The future is now, and if you want your business to compete over the next few years you may want to pay attention to the following topics. There are a number of factors that will affect the business of insurance in the near future.
Our world has gone digital. Technology has changed the way you relate with your customers. Have you invested in the right technology, and do you have it insured?
With the growth of technology, we can now access and store data from our cars, homes and while on the go. This creates a real need to have effective data security, the most up to date protection, and policies and procedures for use and storage. Part of cyber management includes having a cyber-liability policy for your business.
The Next Generation of Leaders
Millennials will lead the next generation in the workforce. Is your business prepared? Millennials like to live and work in the same community, use public transportation and work from home.
As the price of oil drops it has become more economical to deliver goods and services. However, there are more auto accidents as a result.
Every business should have COVID-19 safety procedures in place. Helping your employees return to work safely and confidently during the coronavirus (COVID-19) pandemic is no easy task.
Employers must ensure social distancing for employees and customers, frequent and adequate employee hand-washing, and that sick employees stay home. Employers must also provide basic workplace hazard education about coronavirus and how to prevent transmission in languages best understood by employees. Your workers’ compensation insurer can offer tools and advice in this area.
If you have employees, you are exposed to potential employment liability claims. Employees know their rights, and it is time for all employers to become more informed about how to protect their companies. An EPLI policy covers claims made against directors, officers, employees, the company and its subsidiaries.
For many people, insurance can be difficult to understand. Most people know that insurance is needed, but often they do not fully understand what they are buying or if they are properly covered. That is why it is important to have an insurance agent on your side. A good agent will help you determine what your insurance needs are, educate you about your options, and help you understand the specifics of the insurance you are buying.
Here are five things that you need to know as you consider your insurance options.
You cannot add coverage for a claim that has already occurred. For example, if there is flooding in your area, you cannot buy flood insurance during an event.
Coverage gaps can be costly. Having a gap or lapse in coverage can be costly. Always pay your premiums on time, or ask for a grace period from your insurer. You will end up paying more if you have lapses in your policy.
Insurance is not intended to cover everything. Insurance is designed to provide financial recovery after an accident or unforeseen loss. Every policy has exclusions which are important to understand. Remember, insurance is not intended to cover regular maintenance.
An agent can be a valuable resource. A licensed agent can help you find the best possible combination of coverage, price, and service that fits your individual needs. A good agent will be willing to answer any questions you may have and be there for you when a claim occurs.
Do not skimp on liability insurance. The cost of litigation these days underscores the need for everyone to have an adequate amount of liability insurance. The greater your assets are, the greater your need is to have your assets covered. To protect yourself and your family financially, buy enough liability insurance on your auto and home insurance policies to cover above your net worth. We can help you determine how much coverage your individual needs require.
We hope you never have an accident or loss. But if you have a loss, knowing that your claim is covered by insurance will help. That’s what insurance is all about. And, if you understand the claim filing process, you will find you will have fewer headaches and have your claim resolved much faster.
Here are some tips to help you file your claim
Our agency is here to help you through the entire claim process.
1.Always read your insurance policy so you know what is covered and what is not covered.
2.If you are unsure if your claim is covered, it is always good to call our office, or talk to the insurance company.
3.For auto accidents (depending on the damages), you may need to report the accident to the DMV.
4.After the loss, you need to provide notification to the insurance company. This may be as simple as contacting our office or the company directly.
5.Document as much as you can. If you are involved in an auto accident, take photos with your smart phone. Get as many witnesses as possible.
6.You have an obligation to prevent further damage. For example, if you have roof damage you will need to patch the roof with plastic or other material to prevent any further water damage.
7.Understand that the claim process will involve working with a number of people. Our office can help take some of the work off your plate, but you will have to talk to the adjuster at some point to review the claim and settlement.
8.Before accepting any settlement, make sure you are satisfied with the amount.
9.Remember, all losses will be subject to your deductible.
10.Use our agency as your resource; we are here to help you manage the claim process.
Our employees are committed to developing ongoing communication with our clients, and striving to exceed your expectations. You are not buying a product; you are managing your risk. Remember, insurance is not a product; it’s a promise and a trusted relationship.
Protect what matters most to you with Wadena, MN. Car, Home, Health, Life & Business insurance. We offer the best combination of competitive rates, coverage and personal service in Wadena.
If you're lucky enough to have a lawn with a good topsoil base, much of the hard work of keeping a lawn beautiful is already done for you. But many of us do not have this luxury, and besides, even with a good topsoil base, you still have to work hard to keep a beautiful lawn and garden.
1. The best time to mow a lawn is when it is cool and dry. Wait for the morning dew to dry off, and before the afternoon, heat takes hold. Alternatively, late afternoon or early evening following a watering in the morning is also a good time.
2. A hedge is a much better boundary divider than a fence. It will provide better privacy and keep pets and children in or out. It will attract birds to its shelter and provide a great backdrop for plants and flowers.
3. Bring the beauty of your garden to you; plant hyacinths near walkways and doors. Their magnificent perfume will swamp the spring air and make your garden really come alive.
4. Add your garden to non-garden items, such as lampposts and mailboxes. Surround these items with flowers planted to take advantage of the earliest to the latest flowerings. You could have white snowdrops, purple and gold crocus, blue hyacinths, and various colored tulips. You could also surround the posts with rocks to provide added interest.
5. Simple but effective weed control can be achieved on your lawn by often mowing during spring. This will prevent dandelions from spreading by eliminating the yellow blossoms and preventing seed formation. Mow high during late spring and early summer. This will allow grass blades to shade the ground and will help prevent crabgrass from sprouting.
Your lawn and garden should be a source of pride and beauty.
You don't need to spend lots of money on expensive fertilizers and herbicides or fancy lawn furniture and ornaments. A little commonsense and thought can go a long way to making your lawn and garden a much better place.
As always, all of us at Strong Insurance of Wadena appreciate your business, and If you would like us to do a 'spring cleaning' of your accounts please don't hesitate to email or call us.
To adequately insure your apartment, it is important to know which structural parts of your home are covered by the condo/co-op association and which are not. You can do this by reading your association’s bylaws and/or proprietary lease. If you have questions, talk to your condo association, insurance professional or family attorney. Sometimes the association is responsible for insuring the individual condo or co-op units, as they were originally built, including standard fixtures. The individual owner, in this case, is only responsible for alterations to the original structure of the apartment, like remodeling the kitchen or bathtub. Sometimes this includes not only improvements you make, but those made by previous owners. In other situations, the condo/co-op association is responsible only for insuring the bare walls, floor and ceiling. The owner must insure kitchen cabinets, built-in appliances, plumbing, wiring, bathroom fixtures etc.