Monthly Archives: February 2015

Make Sure Your Car is Covered in Insurance for the Winter

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Minnesota is a beautiful state with a lot to offer anyone who lives or visits there. It is the home of the famous Mall of America, one of the largest indoor shopping malls in the world. Tons of local theaters, museums, orchestras, and art galleries line the streets of its cities and towns. People who are familiar with Laura Ingalls Wilder’s Little House on the Prairie book series will recognize Minnesota as the location for the third book in the series, On the Banks of Plum Creek (the book on which the Little House TV series was based). With lots of outdoor parks and stunning prairie scenery, Minnesota is a cultural treasure for the United States.

One thing about Minnesota that anyone who lives there knows well is that it gets very snowy in the winter. With the northernmost point of any of the 48 continental states in the nation, the people of Minnesota are used to cold, frigid temperatures, as well as ice and snow for many months during the year. This weather creates special driving conditions that even the most experienced winter drivers often find challenging. That is why it is so important to make sure your car is adequately covered to take care of any unforeseen traffic situations during these snowy months.

You may not have enough insurance coverage to pay for a replacement car or a liability lawsuit if you are involved in an accident in the snow. Talk to your local car insurance agent to make sure both you and your spouse are covered appropriately (especially if you only have one car). You can get an instant car insurance quote online with Pizano Insurance. When you get your quote, talk to an agent in person about your particular coverage needs. Your local agent knows Minnesota and can get you the best coverage at a reasonable price.

Is It Time to Review and Update Your Business Insurance in Plymouth, MN?

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Whether you own a restaurant like Dino's or one of the stores within the Four Seasons Mall Shopping Center, you have invested a lot of time, effort and money into your business in Plymouth, MN. Therefore, you want to take the necessary steps to ensure it is fully protected. This is especially true in the event of an emergency, disaster, accident or disruption.

It isn't uncommon for businesses to not have the adequate amount of coverage for their business. In some cases, it isn't necessarily the amount of coverage, but the lack of the correct form of coverage. When your business is underinsured or uninsured, you are at risk of losing your business or at least suffering a huge loss.

Since changes in business occur frequently, it is important that you take the time to review your business insurance coverage. This should be done at least once a year. Some changes that are made throughout the year may require an update to your commercial insurance. Some instances when an upgrade may be necessary are as follows:

  • Have you expanded your business to a new location (which means a newly leased building)?

  • Have you expanded your business out of state?

  • Are you offering new products or services to your customers?

  • Did you add new equipment to your building?

  • Have you made any new vehicle purchases?

If you answered yes to even just one of the above questions, then it is time to consult with your independent commercial insurance agent in Plymouth. We can help ensure that your business is properly covered so that you can mitigate any losses that may occur in the future. When you're the scope of your company changes in any way, your business insurance needs to change too. Contact one of our independent agents within the 55447 community today to ensure your business is always fully protected.

Wayzata, MN Business Insurance

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Wayzata, MN is home to some of the country’s most diverse neighborhoods. Containing top-rated schools, and situated upon the pristine Lake Minnetonka, Wayzata has been named from the Lakota Sioux tribe name: North Shore.

The area fosters a variety of wildlife and plant-life within its Kenwood destinations and local habitats. Additionally, the area’s stable housing market has granted industries a wide array of opportunities within its thriving economy.

Growth and Business Insurance

Thriving areas often accommodate well-rounded, diverse business atmospheres, and industry leaders require plans for liability coverage and daily operations. Commonly, small, medium and large-size businesses meet their day-to-day standards through obtainment of customized business plans.

Property Coverage

Within the physical realm, business property coverage is required for absorption of premises damage. Adequate coverage protects business owners in a variety of ways, including:

  • Protection from fire and water damage

  • Replacement and repair coverage

  • Absorption of operational expenses

Liability Coverage

Often, companies obtain commercial liability coverage to maintain operations during lawsuits and liability disagreements. Liability coverage similarly protects owners from customer injury and product-based damages, granting owners peace of mind while guaranteeing effective coverage.

Additional Coverage and Diverse Options

Many businesses require specialized business coverage—due to niche products, services and industry approaches. The following industries often thrive when equipped with customized insurance plans, making them outfitted for unique situations and approaches:

  • Sale of electronics

  • Contracting services

  • High-volume consumer visitation

Unique situations require custom-tailored business plans, and our expansive database has compiled a variety of insurance quotes suitable for expansion and success. When risk is involved, businesses should be prepared—and no situation is alike. Specialized needs require specialized coverage, and agent-suggested insurance plans often accommodate for a variety of situations, making industry leaders capable of achieving the best while preparing for the worst.