Keeping Your Summer Gear Safe In Storage

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Summer is always better if you are geared up to enjoy it but now that summer is coming to an end it is time to start putting your summer toys into storage to keep them safe through the winter. Not properly storing your summer gear can cause expensive damage. You want your babies to be ready to use as soon as it starts heating up again so make sure you properly store your gear for the next summer with these storage tips.

  • Storing Your Boat- Not only do you have to clean the outside of your boat for storage but you also need to pay special attention to the interior. Make sure to fill up the fuel tank with stabilizing gasoline and flush clean water through the engine cooling system before storing your boat away. The cover you use should fit your boat snugly from the top to the water line.
  • Storing Your Motorcycle- The fluids of your motorcycle need to be changed before storage so make sure to change out the oil and to top off the brake fluid. Check to see that the tire pressure is good and that everything from the engine to the throttle is working properly. Storing your motorcycle without a full tank can cause ice crystals to form causing costly damage so do not forget to fill up that gas tank?
  • Storing Your RV- Check vital engine systems in your RV like spark plugs to assure that they are working properly. Empty the water tanks and check tires for pressure or any wear. Clean out the interior and add a dehumidifier before storage to absorb moisture and prevent damage from mold.
  • Keeping All Your Gear Safe- Even if they are not in use during the winter, your expensive gear still should be protected with the right insurance coverage. If someone gets hurt storing your vehicles or if you feel like spontaneously taking them out of storage, they need to be covered.

The Insurance Shop in White Bear Lake, Minnesota can help you find the right insurance coverage for your summer gear! We are a group of experienced independent agents committed to providing the best coverage at the lowest rates. We also offer coverage options like home insurance, life insurance, auto insurance and umbrella insurance. Contact us to get started with your coverage today!


How Cyber Liability Can Protect Your Business

Cloud Computing Concept

Running a successful business means understanding Cyber risks and doing what you can for your Company to avoid liability. As technology becomes more prevalent in business it is more important than ever to consider the risks of a data breach and prevent the disastrous consequences early on before they affect the clients of your business.

Keeping customer’s information safe should be a good business owner’s priority. Data theft can happen to any business big or small and if your customers lose trust in your company it can be difficult to gain it back. Cyber insurance is the best option to keep your business protected against hackers and any online breech.

Here are some common cyber risks that are covered by a cyber-liability policy:

  • Data Breaches- Your Company has a responsibility to protect any personal information given by your clients and is legally bound to notify every client affected by a data breech. This and any security fixes can be costly to your business unless you are covered by a cyber-liability policy.
  • Intellectual property rights- If your business has an online presence there are some libel, copyright, and trademark risks you should be prepared for. This insurance will give a business owner peace of mind when it comes to the corporate website.
  • Damage to a third party systems- If an email from your server contains a virus and is sent out to your customers your company can be held liable for the third party damage or loss. A cyber liability policy can ensure coverage if this happens to your business.
  • System Failures- Any physical damage resulting from a loss of data that happens from a disaster such as fire or malicious activity is covered with a cyber-liability policy.
  • Cyber extortion-If a hacker hijacks your company’s website, demands money, and temporarily causes a loss of revenue, this insurance will have you covered.

Keeping your business and its clients as protected as possible is important. The Insurance Shop can help your business avoid cyber liability with the right coverage. We are a group of experienced independent insurance agents in White Bear Lake, Minnesota that will work to find you and your company the best coverage at a competitive price. We also offer home insurance, life insurance, and umbrella insurance to keep you as protected as possible. Contact us today for more information.

Preparing your Home for Fall

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With the colors of your yard changing into deeper fall colors, it is a good time to start redecorating so that your house matches the colors outside. While there are plenty of expensive decorations that are available, there are many other decorating ideas that can save you money. Keep these 3 simple inexpensive decorating tips in mind to help get your home ready for fall.

  • Less is more. Although the designs that you see in magazines may look nice, you probably do not need all of the matching accessories to take over your dining room table. If you find a design you really like, splurge a little on one piece, such as napkin rings or candle holders, and use other pieces that you already have to complete the look without overwhelming your table.
  • Think organic. Small pumpkins and gourds are very inexpensive and are a great way to add a bit of fall throughout your home. They come in all different shapes, sizes, and colors which will allow you to create a unique look throughout your home. Painting them with a shiny lacquer paint will help them last longer, ensuring that you do not have to buy new gourds or pumpkins every week.
  • Create a smell. To give your home an inviting fall smell, you can save money by warming lemon peels and a few herbs in water that you let simmer on the stove. There are also plenty of candles that are available that will give your home the fall smell you are looking for. Make sure that you are always mindful about where you place the candles to ensure that children are not able to play with them.

Fall is also a good time to look over all of your insurance policies to ensure that you have the most comprehensive coverage possible. Contact the insurance experts at The Insurance Shop for all of your home insurance, auto insurance, and umbrella insurance needs throughout Minnesota.

Questions to Consider When Investing in Life Insurance

Life Insurance Word Cloud Concept on a Blackboard

Life insurance is one of the most overlooked insurance policies. It is also one of the most important policies to make sure that your loved ones are taken care of after you die. To make sure that you are getting the best life insurance policy to provide for your loved ones when you are gone, make sure to know the answer to these common life insurance questions.

  • How much life insurance do I need? It is recommended that you take out a life insurance policy that is ten times you annual income. This will ensure that your loved ones have a financial cushion to take care of everyday bills, such as the mortgage or car payments, when you are gone.
  • Does the insurance company matter? When it comes to finding the best life insurance company, it is important to make sure that you choose a finically sound and stable insurance company. This will ensure that they are able to payout the policy benefits after your passing.
  • How often should I Review my policy? Whenever you have a major life change, it is important to look over your policy to see if you need to raise your coverage, or possibly lower the amount you need. Some major life changes include having a baby, getting married, or paying off your home.
  • Who can be named as my beneficiary? You can only name people who are financially dependent on you in some way as a beneficiary. This includes children and spouses, or anybody else who you may owe money to.

For all of your insurance needs throughout Minnesota, contact the insurance experts at The Insurance Shop in White Bear Lake, Minnesota. We can help with all of your life insurance needs, as well as your auto insurance, home insurance, and umbrella insurance needs to ensure that you and your loved ones have the right coverage for any situation.