It’s difficult enough to have the have the energy and skill to construct a successful small business- and learning how the right insurance policy can protect your investments and capital can seem like a whole other project on top of it. We will explain in simple terms, the basics of insuring your small business against all the risks that may challenge it.

1. Liability Insurance

Any type of business can be sued, sometimes for unpredictable reasons. Customers can file a claim for damages they say resulted from the use of your products. Employees or customers may claim that your business is a hazardous environment. Whether or not you win in such disputes, wages lost and court costs can be excessive. Liability insurance can cover such losses and pay for the damages should the claim hold up in court.

2. Property Insurance

The right property insurance policy can compensate your business should property become lost or damaged due to various common perils. Fire, theft and flood are common examples. Property insurance not only covers a building, it can also cover personal property such as office furnishings, raw materials, inventory, equipment, and other mission-critical items. Property insurance can also include coverage for equipment breakdowns, debris removal after a fire, some types of water damage and other losses.

3. Workers Compensation Insurance

In most states, an employer is required to have workers comp insurance whenever there are over a given number of employees. Workers compensation insurance pays for medical care and can replace some wages lost by the employee- regardless of who is at fault. Should a worker die as the result of a work-related injury, the Workers Compensation insurance will provide an award to the family of the victim. Extremely small businesses, (one operated by no more than one or two people from their home, may not need this kind of insurance. But such a business will often need more liability and property coverage than a typical homeowners policy would provide.

Pizano Insurance
The professionals at Pizano Insurance, are dedicated to providing you with the most comprehensive insurance plan available. Our mission is to make your insurance purchase simple, and productive.

Call or click today and let the experts at Pizano Insurance help to protect your small business.

When you live in Minnesota, car crashes are inevitable. Whether it happens in the winter or another time of year, there is much that you can do in order to help. While 911 is one of the obvious things to do, there’s actually quite a bit more that you can do as well.

Secure your car

It’s great that you want to help others, but you have to look out for yourself, first. Park your car away from the accident and then walk over.

Check on the victims

When you’re on the phone with 911, check on the victims. This can help the operator know how much help needs to be sent. They may also give you some guidance as to how you can help everyone a little further.

Turn their cars off

If the cars involved in the crash are still on, turn them off. This can be done by the driver or by you.

Wait for help to arrive

Depending on where you are and what the road conditions are, it can take a while for help to arrive. Sit patiently and keep the victims occupied so they can stay calm. Sometimes all it takes is knowing that there is someone there looking after them.

Leave a statement

Leave a statement with the police as to what you saw. Don’t admit to any kind of fault if you were on the roads with the other cars. Also, your contact information may be shared with an insurance company and potentially even a lawyer so that they can follow up as to what you witnessed.

Call and talk to us at Pizano Insurance now. We look forward to helping you with an affordable policy and our agents can get quotes to help with the comparison process, too.

Buying a car as a holiday present can be a great way to really give someone an amazing gift. When you go to buy a car, though, there’s more to the purchase than just the actual purchase. There’s also the title, the registration, and the insurance. You can’t just buy the car from a dealership and take it home. They’re going to do the registration and title paperwork there for you, and then you’ll need to insure it before you drive away.

With a personal auto policy through Pizano Insurance you can cover the car you’re buying as a present before you leave that Wayzata, MN dealership. There are a couple of ways you can buy and insure the car and also give it as a present. You can either bring your gift recipient to the dealership with you, or you can buy the car in your name and then transfer the title at a later date. Both are acceptable ways to buy a car as a present, and which choice you make depends on how you want to give the gift to your recipient.

If you want to do the big reveal, where the car’s in the driveway with a giant bow on it, you’ll need to buy and insure the car in your name before you drive it off the dealer’s lot. The title can be transferred to your gift recipient later, and then they can insure it under their name. If you don’t want the car in your name at all, and you don’t want to worry about the need to insure it, you can take your gift recipient to the dealership with you. That way, the title and insurance will be in their name from the very first day.

Whether you are getting a new car insurance policy or renewing your existing policy, you want to get coverage that will suit your needs. What do you gain by purchasing inadequate car insurance coverage?

By working with an independent insurance agent at Pizano Insurance, you get a customized experience that helps you determine the best car insurance for you.

Agents are knowledgeable experts. Our independent insurance agents continually remain abreast of changes affecting the insurance industry. As a result, they can offer you advice and strategies that will help you achieve your insurance goals.

Agents are customer-focused. One of the leading differences among independent insurance agents, compared to other agents, is that they are customer-focused. With every business transaction, we have your best interest in mind. We are constantly thinking and considering new ways to improve your experience in our office.

When it comes to you making a claim on your insurance, you will find that their ability to focus exclusively on your needs helps you work through the process quickly. They will educate you on the process, and work with you to get your car repaired or replaced if necessary.

Pizano agents offer competitively priced products. With the ability to compare prices and services from multiple companies, you can rest assured that our agents will suggest an insurance product that aligns with your needs. You don’t have to worry about purchasing a product you don’t need from Pizano Insurance.

They are problem solvers. Our Wayzata, MN office offers a host of insurance products from many branded insurance companies. With your goals in mind, they effectively act as problem solvers to ensure that you retain your ability to drive. Additionally, they help you remain financially protected on the highways.

Our website has a wealth of information concerning our insurance products. You can research what options we have available on our site, and then speak with one of our independent insurance agents to get a quote.

When it comes to making the roads safer for teen drivers, it all starts with parents instructing their teaching how to drive in a safe manner. It also starts with parents setting good examples. After all, how can we expect teen drivers to drive safely when they see their parents going over the speed limit and not using proper signals? If you’re a parent looking for a way to make the roads safer for your teen, make sure you share these tips with your child before they get behind the wheel.

Don’t drink and drive

No teen should be drinking, let alone drinking and driving. However, there are teens each year who die because they choose to drink and drive at the same time. Fortunately, it becomes much more difficult for teens to drink and drive when their parents are aware of where they are and who they are with. You should always know who your kids are hanging out with, and always implement a no drinking and driving rule. If your teen is caught drinking and driving and the police determine you knew about it, you can be held accountable. 

No breaking the law

If a speed limit sign says 35 mph, this is because many tests have been performed to determine the safest speed at which the road can be traveled. Speed limit signs are not merely a recommendation, they are the law. You must stress to your teen driver the importance of going the speed limit. 

To learn more about making the roads safer for your teen driver, please contact Pizano Insurance in Wayzata, MN today. 

When you live in Wayzata, MN it’s important to be safe behind the wheel. Thousands of accidents happen every year simply because people are driving drowsy. The CDC estimates that thousands of additional accidents happen, though they are not reported to the police.

Even if you have auto insurance, the amount of damage that can take place because of falling asleep at the wheel can be expensive. It can also cost you your life, or the life of others.

If you are feeling drowsy, you don’t want to get behind the steering wheel. What you do want to do is admit that you are tired and get someone else to drive you home, and even a taxi company can be called to help you out.

Whenever you are going for a long-distance drive, it’s good to have someone else in the car with you. They can help to keep you alert, and if they are a licensed driver, they can take over some of the driving responsibilities as well. By swapping off, you ensure that neither one of you get too tired.

It’s also good idea to stop driving after a few hours and take a break. Get out, walk around, and even drink something caffeinated. This will help to ensure you are aware of your surroundings once you get back behind the wheel.

Anything can happen on the roads of Minnesota and anywhere else. You want to be prepared and that means not driving drowsy. The last thing you want to have happen is to fall asleep behind the wheel and wake up just in time for an accident.

Contact one of our agents at Pizano Insurance today and let us find quotes, explain policies, and help you to get a policy that you can rely on.

Motorcyclists in Wayzata feel compelled to hit the open road with their bikes. The power of the motorcycle coupled with the feeling of oneness with the motorcycle is exhilarating. If you are a motorcyclist, you know the feeling all too well and you long to experience it each and every day. However, before you turn the ignition, avoid driving when you are facing the following three circumstances.

Drinking at a Social Event
When the weather warms, most people like to be outdoors more. In fact, your friend’s barbeque is the perfect event to show off your new motorcycle. If you partake in spirits, driving your motorcycle is off limits. Drinking reduces your ability to respond and can lead to an accident. If you damage another person’s property and your motorcycle, you may take a hit on your liability and collision motorcycle insurance coverage. Be safe, and don’t drink and drive.

After an Argument
When it is hot outside, tempers can flare up easily. If you are involved in an argument, you should not drive. Your anger may make you more inclined to drive faster or reckless, which places you and everyone around you in danger. For instance, your anger may compel you to do something dangerous, like speeding, which could lead to a ticket. Ultimately, you risk your motorcycle insurance increasing when you drive angry.

Low Visibility
During the summer, moisture in the air may create a thick fog during the early mornings that limit your vision. When it is challenging to see ahead of you, it’s best to drive a car, which has brighter lights to improve your visibility. Additionally, you will have more protection in a vehicle compared to a motorcycle if you are in a collision. Don’t jeopardize your motorcycle insurance when it’s foggy out.

Add Umbrella Insurance for Added Protection
With the possibility of getting into an accident ever-present, purchasing umbrella insurance complements your motorcycle insurance. With umbrella insurance, you have additional liability coverage that may repair or replace another person’s property if the damage exceeds your liability limits on your motorcycle insurance policy. When you are ready to purchase umbrella insurance, contact us so that we can review your options.

Albertville, MN is a small town in Wright County with a population of only about 7,000 people. The major employer is that of an outlet mall and this means that many people will commute to some of the surrounding areas. Education is held as a top focus within the town and there are plenty of recreational things to do, particularly in the winter months.

When you shop for car insurance in the 55301 area, you want to work with the best agents because they can explain coverage levels as well as help you to get quotes. Some of the coverage options within MN include:

– Liability insurance

– Collision

– Comprehensive

– Uninsured motorist

– Rental coverage

All of these things have to be taken into consideration as they can affect the quotes and the premiums. You want the highest level of coverage possible so you are not out of pocket more than the deductible if involved in a car accident.

Further, you want to make sure you can get the car repaired when something happens, even if it didn’t happen when you were behind the wheel. This can involve rocks thrown at your car, hail damage, and more.

We have agents to help you with insurance in Albertville. Not only will we make sure you are meeting the minimum car insurance requirements for MN but also explain other coverage options. This way, if something happens to your car in the 55301 ZIP code or anywhere else, your coverage takes care of the issue so you don’t have to. All you will have to pay is the deductible.

When you are ready to learn more about insurance and how much it’s going to cost, call us. We have some of the best agents around to help with quotes and more.

It’s a situation that many teenagers who have their own car eventually face. A friend wants to drive your car; perhaps they want to go the Dakota Rail Trail or Wayzata Beach. They only have a learners permit, though. Will your insurance cover them while they drive your car around Wayzata, MN?

Most Policies Cover Permissive Users

Assuming you grant your friend permission to take your vehicle, they will be a “permissive user.” A permissive user is simply someone who you let use your car. They do have to be legally licensed to drive, which, in this case, means a licensed driver would also have to be in the car.

As long as your friend is driving legally, most auto insurance policies would cover them. Car insurance policies generally follow the car, so they would be covered under your policy and protected by its limits. The question thus is whether your policy covers permissive drivers, and the majority of standard policies do cover permissive drivers.

There are Some Outliers

Occasionally, however, a car insurance policy will exclude certain drivers. If a policy does exclude certain drivers, it may not cover anyone, except you, who is under 25 years of age. If this is the case, your friend would not be insured by your policy. Both your friend and you, as the vehicle's owner, would be personally responsible for any accident that your friend got into.

Most of the policies that exclude young drivers are for classic cars, but sometimes teenagers opt for such a policy to keep their premiums low. It is important to check your specific policy’s terms and exclusions.

Ask an Agent

To know for sure whether your friend would be protected, call one of our agents. One of our team members at Pizano Insurance can go over your policy with you to see how it would extend coverage in this situation. If it would exclude your friend, we could provide you with competitive quotes that do not have such an exclusion.

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.