What is Employee Benefits Liability Insurance?
Understanding Employee Benefits Liability (EBL) Insurance for Businesses Employee Benefits Liability (EBL) insurance is a critical safeguard for businesses. Western National defines EBL insurance as coverage for employer errors during employee benefit plan administration. Mistakes like failing to enroll, maintain, or terminate employees from a plan can expose your business to significant liabilities. Inaccurately describing […]
Homeowners Insurance Coverage for Water Damage
What is covered, and what isn’t? Owning a home is a significant investment, and protecting that investment is crucial. Water damage is one of the most common and potentially costly issues homeowners face. However, not all water damage is covered equally under standard homeowners insurance policies. This blog explores the types of coverage needed to […]
Our Clients Are Our Focus!
The insurance market and economy in general are going through some turbulent times right now. Rates are increasing, sometimes seemingly for no reason! The Duluth, Superior, Hermantown, Cloquet, Proctor and surrounding communities are not immune to the effects of increasing repair and replacement costs. We understand the anxieties and frustrations you may be feeling. Remaining […]
12 Essential Boating Safety Tips
For those of us that enjoy the thousands of waterways around the Minnesota and Wisconsin region, we know just how short the boating season is. There are 1.4 million boats registered in Minnesota and Wisconsin, highlighting our region’s strong boating culture. Every year, thousands of new boat owners join the millions of experienced boaters on […]
Events That Change Your Insurance Needs
Life is a dynamic journey marked by a series of milestones, transitions, and unexpected turns. As you navigate this ever-changing landscape, it’s crucial to recognize that your insurance needs are not static. Various life events can significantly impact the level and type of coverage required to ensure financial security and protection for yourself and your […]
