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Your life is an asset, just like a car, a home, or a business. When you lose it, you may want to be compensated for its value. You do not have to trade in other assets. The mortality rate in this country has not changed. It remains at 100%. The question remains, what is the length …

All Farm Homeowner Policies have a listing within the wordings called “Special Limits of Insurance”. This listing of personal contents describes the maximum amount of money that you can claim on each of these items and/or category of items. An example of the special limit of insurance listing reads something like this: We insure lawn …

Typically, you want to insure your buildings for the cost to rebuild, this is referred to Replacement Cost Coverage. You do not want to insure too high because you will not get more than it actually costs to rebuild and yet you also do not want to insure too low which leaves you exposed at …

Farm and Commercial policies cover the electrical, mechanical and other equipment used in most operations against fire, theft, collision and other events. But most property policies specifically exclude losses arising from a very common problem, equipment breakdown, which includes electrical injury, mechanical breakdown, pressure explosion, rupture and cracking. So, any business operation that use pressure, …

Very often we receive phone calls from people after they have started making changes to their property or after they have owned something new for a number of months. For example: renovation project is well under way, purchase of a new yard tractor, addition of attached garage, built a storage building, purchase of a new …

Directors and Officers of a corporation are responsible for their actions, the actions of the corporation and in some instances the actions of other directors. The courts have assessed damages against directors of corporations for wrongful actions. While some people believe that a LTD. or INC. company creates a legal veil leaving limited liability behind. …

All business owners have Group Benefit Plans available to them. Yes, a Group Plan of “1” is a Group Plan. When talking to clients about Group Benefit Plans, the conversation often goes to questions like; root canals, travel insurance and massage therapy. All are important points but not all employers want to spend much time …

There are a number of different properties on your farm that you may not have even thought to insure. The Threshed Grain Floater is an important consideration when you consider the high values. All farm policies need to be reviewed. When placing coverage on your grain, you insure to the maximum value that you have …

People think their quad, side by side, snowmobile or the kids dirt bike is covered on their insurance policy.  This idea is wrong! There is no coverage on farm, business or home insurance policies unless they are specifically scheduled. When you do choose to insure these on your farm or business policy you are only …

Your broker will be able to help you answer these questions. Deductible – You may consider increasing your deductible to the next highest option or even higher. The higher the deductible, the lower the annual premium. Tidiness – Always keep your property in good condition, from grass to roof. Insurance companies inspect your buildings considering …