10 important things to consider before buying Minnesota Contractors General Liability Insurance for Independent Contractors and Small Businesses.   Understand what you are buying – General liability insurance pays for bodily injury and property damage. It is normally the first or core policy most independent contractor’s businesses purchase. Obtain quotes from several companies – Make

Flood Insurance   Did you know flood insurance has a 30-day waiting period?  Protecting your home with flood insurance may be very important depending on where you live.  Floods are our nation’s most common natural disaster. Flood insurance is normally excluded on your homeowners, townhome, condo and renter’s insurance policies.  The big thaw is coming. 

Things to watch out for and be aware of when purchasing a homeowner policy from Progressive / ASI – American Strategic Insurance Water sewer backup coverage is optional. Choosing a percentage deductible like 1% or 2% is generally in the insurance     company’s best interests, not yours. The discount generally doesn’t pay for itself over time.

Icicles are pretty but can cause all types damages to your home. Commonly referred to as ice dams, they can tear off gutters, loosen your shingles and cause water damage in your home. With all the snow this time of year, the conditions are right for ice dams. That snow melts from the warm air

Shopping for contractor’s insurance in Minnesota If you are shopping for contractor’s insurance in Minnesota, we recommend you know what you are buying first. Contractors insurance is general liability insurance, coverage protecting against bodily injury and property damage. Common limits would be $1,000,000 / $2,000,000. The $1,000,000 is per occurrence or per claim. The $2,000,000

Seasons greetings, we hope all of you are in good health and spirits. Things don’t slow down at our office around the holidays, it’s normally crazy. Working with hundreds of contractors and small businesses throughout Minnesota. We have also been writing contractors insurance in Wisconsin since 2008, followed by Iowa, North Dakota and South Dakota.

Continuing our mission of writing more and more commercial insurance here in Minnesota, may we introduce the next Minnesota business insurance quote website! http://www.rosemountinsurance.com/ Rosemount has an Irish history and humble beginning.  Keeping to the Irish and lucky, you will find that in our new website.  But also, you will know we are serious and

Wind…. Oh the past two days have been windy! Trash is blowing around, cans are knocked over, oh my. Just a reminder to everyone to check their roofs for missing shingles. Now a few shingles may not be an insurance claim now, but if water gets in, that’s another story. We have had numerous calls

Are you ready to smile ? I have been looking forward to presenting this next website. It was fun to work on and our goal is to help Minneapolis contractors find quality, affordable insurance coverage. Look now: www.minneapoliscontractorsinsurance.com We are general liability insurance experts and help 100’s of contractors find insurance each year. If you

Attention Minnesota Business Owners! It’s time!!! We are serving up some great deals on business insurance. Writing insurance with over 30 companies allows us to “Shop Out” your needs for the very best deal. To assist in you finding affordable Minnesota business insurance we recommend: www.mnbusinessinsurance.com Yes, it’s our new business insurance website! We are

If you have employees in Minnesota, It’s the law you carry workers’ compensation insurance. Pricing is based on several different factors, payroll, number of employees, years in business, claims experience and of course the type of work the employees does. Workers compensation insurance covers cost related to injuries or illnesses your employees might suffer while

It is with great excitement and joy that I announce my brother Corey McIntosh will be joining our team at Insuring Minnesota, effective 1-2-17. His office will be on the north side of the Miller-Hartwig Insurance Building at 20960 Holyoke Ave in Lakeville. Corey comes to us with eight years of insurance agency experience. Working

A drum roll for the next website please…… www.minnesotaroofinginsurance.com One of our niche markets here at Insuring Minnesota is roofing, either commercial or residential. Writing directly through and A+ rated carriers program saves you the middleman costs. It’s that simple and you can take that to the bank! Now Minnesota roofers have ability to find

Get ready ladies, gentlemen and tow truck owners across Minnesota. Insuring Minnesota Presents: www.minnesotatowtruckinsurance.com Minnesota Tow truck and wrecker owners will love our low rates and experience. We sell you what you need and want, while taking the time to explain the important details. What is on-hook coverage? Is there a minimum amount of coverage

Insuring Minnesota is proud to announce our new company logo. Protecting Minnesotan’s from financial risk, insurance products and services. Get behind the shield, the shield of protection, Insuring Minnesota. Request your insurance quote today! www.insuringminnesota.com 952-469-0425 Rick McIntosh – CIC President rick@insuringminnesota.com

Bringing you something a little closer to our hearts and roots. Insuring Minnesota is proud to present: www.lakevilleinsurance.com. There are a number of choices out here, but none match up to what we bring to the table. We only work with 50 insurance companies. Yeah, 50. We have something more to offer than the average

Insuring Minnesota just keeps rolling out The killer websites in a continued effort to be the Midwest’s “GO TO” for affordable contractor’s insurance. Reintroducing, where it all began 11 years ago www.contractorspolicy.com. It’s Minnesota’s answer to finding low cost, quality insurance coverage for contractors. Check out our mobile friendly design and simple quote forms. Request

Insuring Minnesota is announcing yet another website launch! www.mncontractorinsurance.com It’s responsive, dynamic and very mobile friendly. Check it out and let us know what you think. We believe the website will get noticed. The sharp inlayed video and it really markets our style and abilities. People like cool stuff and I think this is very

Ladies and gentlemen, and contractors of all kinds! May I introduce to you www.wisconsincontractorsinsurance.com. In an effort to keep up with technology and plant our feet firmly in Wisconsin for what we do best, Contractors Insurance. Plumbers, electricians, heating and air conditioning – HVAC and many other types of Wisconsin contractors can now easily request

Due to Insuring Minnesota’s continue and expanding success with contractor’s insurance. We will now offer, in addition to Minnesota, Wisconsin and Iowa, North and South Dakota as well. Our goal is simple, become the Upper Midwest’s “go to” for Contractors Insurance. Visit: http://www.contractorsinsuranceonline.com When you do something every day, you become good at it. After

Tow truck and wrecker insurance Is required in our great state of 10,000 lakes. Some cities even have certain requirements, like Saint Paul and Minneapolis. Policies in Minnesota normally include: • Tow Truck & Wrecker Liability Insurance – bodily injury and property damage coverage. If you hurt someone or do damage to another property you

As you know, Minnesota Roofers face dangers every day. One slip and it could be lights out! You run risks with property damage, liability, equipment. Not to mention your employees, sub-contractors, and other close by. Buying roofing insurance is part of every roofer’s business plan. The insurance isn’t cheap because of what you do. However,

Ghost Policy? (MN Contractors Only) Don’t get “spooked” by this Minnesota workers’ compensation policy! A “Ghost Policy” is a term used to describe a Minnesota Workers Compensation Insurance Policy where the company / person purchasing the policy has no employees and chooses to Exclude themselves from Coverage. This type of policy is common with sub-contractors

Buying Minnesota Contractors General Liability Insurance Contractors looking to buy or obtain quotes on general liability insurance in Minnesota should understand a few of the basics first. What is general liability insurance? It is basically bodily injury, property damage, medical payments, defense costs, personal & advertising injury coverage. Policies vary so it is important to

Greetings! I’m pleased to announce the launch of Insuring Minnesota’s new website, www.insuringminnesota.com. In an effort to let people know what we do best, we listed just that. Contractors, small businesses and residents throughout Minnesota use our insurance services, many finding us online. Being mobile friendly and open 24 hours for internet quote requests is key to

Why you need Minnesota business insurance? You have worked hard putting your business together and it is a huge investment. Unfortunately, disaster can strike no matter how conscientious of a Minnesota business owner you are.  A fire could wipe out all your profits and even destroy your Minnesota business. The key to making sure all

Minnesota home insurance Is on the rise again in the North Star State.  The major influence is the weather related losses.  Storm activity and the fact consumers have become seasoned to expect a new roof, new matching siding every time it hails only adds to the staggering overall costs. Unfortunately, insurance can only go up

If you haven’t reviewed your Minnesota car insurance in the past three years there is a very good chance you are over paying. Over the past, almost three decades now, I have seen many companies come and go in the Minnesota car insurance market. A company will come out with a hot new program and

Welcome to Insuring Minnesota’s blog. Insuring Minnesota is a team of experienced independent agents located in Lakeville, MN. Representing numerous companies allows us to shop the market to find you the best coverage for your money. We offer business and personal insurances. Request a quote, use our services. I personally guarantee your satisfaction! Rick McIntosh