There may only be less than 8,000 residents in the City of Albertville, MN but percentage-wise, our population is skyrocketing. According to the U.S. Census, from 1980 to 1990, our population more than doubled, going from 564 to 1251 residents. Then from 1990 to 2000, it almost tripled to 3621 people. In the last Census in 2010, we almost doubled our population again, growing to 7,044. We guess that is why the city uses the motto “Small Town Living. Big City Life.”

This has been good for area business, but it may cause leaks in their business insurance. This can come from growing businesses that do not have appropriate coverage that has kept up with that growth. Do you have leaks in your business insurance?

A business insurance review can help detect these leaks. It can determine if your liability coverage is keeping up. It can tell you if you have the coverage on your inventory you need. It will tell you if your equipment and growing computer and data bases are covered properly. It can even tell what water damages you’re insured from.

If you do business in the 55301 zip code, our independent agents can review your commercial insurance policy to determine your current coverage. If it is inadequate, we can help you fix those leaks. We can seek out multiple quotes from a variety of companies to get you a price on that coverage you can afford.

Give us a try. Visit our website and request a quote on your homeowners and auto insurance. We think you’ll find us an easy way to save you money. We also believe you’ll then try us for your business insurance.

Contact us today. We are Pizano Insurance and we are proud to serve our growing Albertville area.

There are some surprising things about Wayzata, MN, especially to non-locals. The town was the place where William H. Macy’s character in the movie Fargo was to purchase a parking lot. Much of the 1999 film featuring Kirsten Dunst and Kirstie Alley called “Drop Dead Gorgeous” was filmed here. People are also pleasantly surprised at the recreational opportunities that abound in the small town.

Some surprises are interesting and fun, others, not so much. If you own a business in the Wayzata area, here are three ways your commercial insurance can negatively surprise you.

1. An increase in price. Many times you don’t even see it coming. Then you get the notice of a significant increase in the costs of your business insurance. This is a time many business owners will go shopping.
2. You find out you are not covered for a specific loss. This can be as uncomfortable for your agent as it is for you. This is why an occasional business insurance review is important. Your business is likely changing and you want to make sure your coverage is keeping up with it.
3. You’re not sufficiently covered for a claim. Discovering that your limits are inadequate after suffering a loss can be a significant problem. Areas like your electronics and computers can be expensive to replace and reinstall properly. Having your insurance come up short can be costly.

At Pizano Insurance, we are an independent agency that serves Wayzata area businesses and homeowners. Due to the fact that we are independent agents gives us the opportunity to shop many companies for coverage that won’t disappoint you. You can get a homeowners insurance or an automobile insurance quote online at our website. If you would like to know more about our commercial coverage, please contact us. We’re Pizano Insurance and we look forward to serving you.

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 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.