Back to School Carpooling Tips

Welcome back to school

With the new school year starting, it can be stressful getting back into the routine of getting the kids ready for school in the morning. It can also add stress if you are in charge of carpooling with your neighbors to get all the kids to school. Keep these simple back to school carpooling tips in mind to ensure that everyone gets to school on time, and your morning is a stress free as possible.

  1. Get organized. Work out a schedule that works for all the parents involved in the carpool program. Make sure that all of the responsibility is evenly distributed.
  2. Know emergency contacts. Make sure that everyone who is involved in the carpool program has a list of emergency contact information in case of any unfortunate situation that may arise.
  3. Think about your after school activities. Consider creating a carpool program with children who do the same extracurricular activities as your child so that the responsibility are evenly distributed.
  4. Stay safe. Before your child get into another parent’s car, make sure that they know how to stay safe in the vehicle, such as always wearing their seat belt and not distracting the driver.
  5. Be on time. Make sure that you child is always ready when they are getting picked up in the morning, and that you are always on time when it is your turn to drive.
  6. Keep your child updated. Make sure that your child always knows who is picking them every day and where they will be getting picked up.

The new school year is also a good time to look at your insurance coverage to ensure that you are covered in any situation. For all of your Minnesota auto insurance, home insurance, and umbrella insurance needs, contact the insurance professionals at The Insurance Shop.

Safety Tips for Labor Day

Happy Labor day american.

With Labor Day just around the corner, it is the perfect time to plan out your fun holiday activity that the whole family can enjoy. When you are making plans for the holiday weekend, it is important to keep safety in mind to ensure that everyone has a safe and fun weekend. Keep these Labor Day safety tips in mind while you are enjoying one of the last holidays of the summer.

  • When you are setting up your grill, make sure to place it in an open area away from any buildings or low hanging trees to prevent any fires. Also make sure that the grill is placed on level, sturdy surface.
  • Always keep a fire extinguisher of hose nearby to ensure that you can put out any accidental fires that may start while you are grilling.
  • Never grill indoors, including in a vehicle or tent, to prevent carbon monoxide poisoning, or even death caused by the gas.
  • Make sure to keep hot food hot and cold food cold to prevent any of your friends or family from getting food any borne illnesses.
  • While cooling down in the pool, always make sure there is adult supervision. Never allow anyone to swim alone, no matter how old they are.
  • Make sure that anyone who is not a strong swimmer uses the appropriate flotation device while in the water, such as a life jacket.
  • While enjoying the outdoors, make sure to protect yourself from the sun and bugs by using sunscreen with at least 15 SPF and bug spray.

Most importantly, make sure that you have the right insurance policies to protect you and your loved ones from any unfortunate situations while enjoying the holiday weekend. Contact the insurance professionals at The Insurance Shop for your auto insurance, umbrella insurance, and home insurance coverage needs throughout Minnesota.

Cyber Weak Spots for Businesses

Cyberlaw background concept

Most businesses in today’s world rely on the Internet to help their business run smoothly and thrive. However, operating on with the Internet, there is always the possibility of weak spots. Keep these potential cyber security weak spots in mind to ensure you can fully protect your business.

  • Email. Any email that is sent through the web without encryption carries the possibility of being red by someone other than the intended recipient.
  • Websites. All business are vulnerable when visiting non-secure websites on the Internet. If “https//:” is not in front of the website you are visiting, any information you share on the site may not be secure.
  • Browsers. Ensure that the internet browser you are using is up to date. Up to date browsers have all of the latest additions to help maximize your security online.
  • Virus protection. Make sure to install a protection program on all company computers to protect them from online threats, such as malware and spyware. Make sure to never open any suspicious emails.
  • Passwords. Make sure certain passwords are on a need to know basis. Routinely change passwords at least once a month, or whenever an employee leaves the company to ensure private information is bot accessible by anyone who is not authorized.
  • Third parties. Make sure to check references and research any third party companies that may need to repair your computers, or any consultants that want to access your customer’s information.
  • Wi-Fi networks. Make sure your companies Wi-Fi network is private, and change the password frequently so that only authorized users can access the network.

Having the most comprehensive cyber liability insurance can also ensure that your company’s information, and the information of your clients stays safe. Contact The Insurance Shop in White Bear Lake, Minnesota to ensure that your company is protected from any cyber breach or attack.

How Much Liability do you Need?

modern car interior

Choosing the right auto insurance policy can be very confusing and stressful. With all the different options, it can be difficult to ensure that you are getting the right amount of coverage. Working with an independent insurance agent can make sure that you have the right amount of coverage for all of your needs.

Auto insurance has two types of liability coverage – bodily injury liability and property damage liability. Bodily injury liability will pay an injury claim if you are at fault for an accident, as well as covering the costs to pay for a lawyer if you are sued due to the accident. Property damage liability will cover the cost to repair the damage of another person’s property if it is damaged in an accident that is your fault.

Both bodily injury liability and property damage liability have their own single limit coverage options, which indicates the limits that your insurance policy will cover. These numbers are typically shown as 15/30 or 50/100. The first number indicates the per person liability limits of your coverage. If you have a 50/100 limit, your insurance would cover $50,000 worth of injury payments. The second number is the per accident limit. If you have a 15/30 limit, and there are three people that are injured, your insurance would only cover $30,000 for each person’s injuries.

If you are a homeowner, you should always carry at least 100/300 combined single limit between both the bodily liability and property liability on your auto insurance policy. This will help ensure that you will most likely not have to pay out of pocket for any damage or liability in the event of an accident, which will help keep you financially stable and able to keep your home.

For more information on finding the right auto insurance coverage to meet all of your needs, contact The Insurance Shop in White Bear Lake, Minnesota.