Check Out These Fun 4th of July Events

The Fourth of July is the perfect time to spend with your loved ones and enjoy all that your local community has to offer. The White Bear Falls, Minnesota area has many events that people of all ages can enjoy. Make sure to check out some of these events with the whole family this holiday.

The Sun Soaker Mug Club Celebration is happening on July 4th at Tally’s Dockside from 5:00 p.m. until 9 p.m. This pre-fireworks celebrations is right on the shoreline where you can relax and enjoy the free live entertainment from the Joe Meyer Finesse Band.

Make sure to check out the 4th of July fireworks, Flyover, and Music that all takes place at Memorial Beach. The music by the Shoreview Northern Lights Variety Band starts at 8 p.m. and the flyover happens at 8:30 p.m. The amazing fireworks show will start at 10:00 p.m. right over White Bear Lake.

The Insurance Shop would like to wish you and your family a happy 4th of July, and remind you to contact them to ensure that you have the most comprehensive insurance coverage.

Protect Your Business from Cyber Attacks

Small business keep a lot of personal information about their clients online. From social security numbers to driver’s license numbers, a cyber-breach could lead to all that information falling into the wrong hands. Making sure your business has the right commercial insurance to protect your client’s information can save you thousands of dollars, and save your reputation.

There are three main types of cyber liability insurance, including:

  • Security breach liability coverage. This protects you from the legal liability for damages that are a result of actual or alleged failure of the security measures that are meant to prevent unauthorized access to the computer system.
  • Privacy breach liability coverage. This will help you pay for the costs that are associated with a cyber-breach, which could include paying for a PR team to repair your reputation.
  • Breach notice response service coverage. This will pay for any forensic expenses as well as the notice fulfillment services and credit monitoring services that are required by law after a security breach.

The Insurance Shop can help you with all your commercial insurance needs in the Minnesota area.

Stay Safe This 4th of July

With the Fourth of July right around the corner, it is the perfect time to figure out some fun activities that the whole family can enjoy. While celebrating the holiday in different ways, it is important to remember to stay safe. Follow the 4th of July safety tips to ensure everyone has a fun and safe holiday.

Firework safety

  • Never allow children to light fireworks or sparklers.
  • Never aim fireworks at other people, animals, buildings, or other flammable objects.
  • Do not try to relight a dud firework. Wait at least 20 minutes before picking up the firework.
  • Place all lit fireworks, even dud fireworks, into a bucket of water before throwing them in the trash.

Grilling safety

  • Never leave a lit grill unattended.
  • Do not allow children or animals to play around the grilling area.
  • Make sure to keep a water source or fire extinguisher nearby to put out any unexpected fires.
  • Place the grill in an open area, away from any buildings or low hanging trees.

The Insurance Shop would like to wish you and your family a fun and safe holiday, and remind you to contact them to make sure you have the most comprehensive insurance coverage in the White Bear Lake, Minnesota area.

An Eclectic Blend of Events in June

If you don’t mind doing a little bit of traveling, Minnesota is full of interesting events in June. Here are some of them.

June 4-8 : The 2014 OUT Twin Cities Film Festival at the Theatres at Mall of America in Bloomington.

June 6-7 : The Nisswas-stamman Scandanavian Folk Music Festival. This 15th annual festival includes food, dancing and children’s activities in the pine woods of the Nisswa Pioneer Village in downtown Nisswa.

June 7-8 : The Minnesota Antiques Dealers Association Antiques Show will take place in the Fine Arts Building at the Minnesota State Fairgrounds in St. Paul. Call  651-430-0095 for details.

June 9-15: The Hutchinson Water Festival started way back in 1942 and has events to keep everyone entertained. Call 320-587-5252 for more details.

June 13-15: The 33rd Annual Gammel Dag Fest in Peterson. It is a full weekend of Amish buggy rides, kids train rides, a parade and plenty of folk music. For more info call 507-875-2222 

June 15: Father of the Waters Bike Tour. This is a Father’s Day bike tour that starts at the headwaters of the Mississippi and follows the Mississippi Bike Trail to the first city on the Mississippi, Benidj, For more info call 218-239-0076.

The Insurance Shop is your local source of insurance coverage in White Bear Lake, Minnesota. Contact us with your insurance questions.

Rental Car Insurance is a Necessity

If you’re going on a trip and you’re renting a car, you need to understand the importance of rental car insurance.  Renting a car comes with a wide range of benefits, but if you don’t take out rental car insurance and something happens, such as a wreck, you may be held financially responsible for any damages.  

Fortunately, whether you realize it or not, you might be covered in your rental car just as you would be in your own car.  The only way to find out if your personal auto insurance covers rental cars is by calling your insurance provider.  

When you’re talking with your insurance agent, tell him or her the specifics of your trip, such as location, the purpose of the trip, etc…  By taking a quick look at your  policy, your agent can inform you of whether or not you’re covered.  If you’re not, you definitely need to purchase rental car insurance from the company you rent the car through. 

If you have questions about rental car insurance coverage in Minnesota, please don’t hesitate to contact The Insurance Shop today.  

More Reasons Than One For Life Insurance

The value of life insurance goes beyond just providing for your family should you pass away early. Even if you have no children, the value life insurance has benefits for you. Life insurance can mean mortgage protection and  give you the peace of mind that your spouse or significant other will never be homeless. 

If you as a couple have planned your life around two incomes, life insurance can replace the income of one of you should you die unexpectedly. Life insurance has the value of making sure the one left behind can maintain the same standard of living as before. 

Life insurance has the value of providing for your final expenses. You won’t bear the burden of having your loved ones left with funeral expenses and final medical bills. If you do have children or plan to in the future, life insurance can help pay college tuition should you die. Your death benefit can be invested with growth potential for when children reach college age. 

As your life situations change, so does your life insurance coverage needs. Getting life insurance while you are young means lower premiums and easier approval. Don’t delay getting coverage no matter what your age is. 

For more information about life insurance in Minnesota, please contact The Insurance Shop in White Bear Lake.