Am I Covered If My Business Is Linked to PFAS?
More and more commercial insurance policies are starting to exclude coverage for PFAS—also known as ‘forever chemicals.’ As this issue gains national attention, businesses here in the Duluth-Superior region are starting to ask: “What are PFAS, and could they affect my insurance coverage? And am I covered if my business is linked to PFAS? Let’s […]
Essential Spring Maintenance Checklist
Spring is a season of renewal, but it also brings risks like fluctuating temperatures, melting snow, and increased moisture. To help both homeowners and business owners prepare, we’ve partnered with our disaster recovery specialists, Dryco Restoration Services, to create this Essential Spring Maintenance Checklist. PREVENTING FROZEN PIPES Preventing Frozen Pipes Spring seems to sneak up […]
Does My Insurance Cover Wind Damage?
Wind can occur all across the Northland and causes significant damage to both residential and commercial properties. Understanding your insurance coverage is essential to protecting your investment. In this blog, we’ll break down what wind damage is, what your insurance typically covers, what it doesn’t, and steps you can take to prevent costly repairs. If […]
How to Insure Your Solar Panels
Harnessing the Sun: What You Need to Know About Solar Panels and Insurance As more homeowners and businesses turn to renewable energy, solar panels have become a popular way to save on energy costs and reduce environmental impact. However, before installing solar panels, it’s essential to understand the considerations involved—both practical and financial. At Reliable […]
SBA Surety Bonds Boost Small Business Growth
SBA surety bonds play a vital role in boosting small business growth. Reliable Insurance Agency is a preferred agency of the Small Business Administration’s Surety Bond Guarantee Program. This collaboration reinforces our commitment to supporting small businesses across the entire United States. As advocates for growth, we’re proud to deliver the support and assurance that […]
Insurance for Flood and Water Damage
What Can Hurricanes Helene and Milton Teach Us About Home Insurance? Hurricane Helene and Hurricane Milton left behind a path of destruction, with families and businesses losing what mattered most. Even more alarming is that only 2% of the affected homes had adequate flood insurance. Some homeowners didn’t buy insurance due to the cost, while […]
Cyber Insurance For Your Business
In today’s digital world, small and medium-sized businesses (SMBs) face growing risks from cyber threats. From data breaches to ransomware, every business is a target. Larger companies have big IT teams, but smaller businesses can be more vulnerable. That’s why cyber security and cyber insurance for your business is key to protecting your data, customer […]
Non-Profits Need D&O Insurance
There are nearly two million registered nonprofit organizations in the United States as of 2022. Of those, approximately 1.5 million are 501(c)(3) tax-exempt organizations. This includes public charities, private foundations, and religious institutions. From YMCAs to chambers of commerce and youth sports leagues to fraternal organizations, the list of nonprofits is vast. But one thing […]
Appreciating the Little Things for 50 Years!
At Reliable Agency, we understand that a thriving workplace is built on more than just hard work. It’s also about fostering a healthy work-life balance, supporting each other in and out of the office, and being living examples of our Core Values: Being Involved in our community, Being Honest to clients and colleagues, Loyalty, Synergy, […]
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 […]
