Why Our Superior Office Moved

And What We’ve Learned Along the Way Office relocations rarely make the news—and they shouldn’t. When done well, clients barely notice and business continues uninterrupted. But behind the scenes, relocating a business is a complex process that touches nearly every part of an organization. Our Superior office has officially moved from 610 Ogden Avenue to […]

Insurance for Your Condo or Townhome

What is HO-6 Condo Insurance? And what does it cover? If you own a condo or townhome in Duluth, Superior, Cloquet, Hermantown, or anywhere in Northern Minnesota or Northwest Wisconsin, you probably assume your association’s “master policy” has you covered. It does—but only part of the way. To protect the parts of your unit you’re […]

8 Smart Ways to Save on Your Auto Insurance Without Sacrificing Coverage

Auto insurance premiums have climbed sharply across Minnesota and Wisconsin, in some cases rising more than 35% from 2022 to 2024! With these increases being felt right here at home, many Northland families are wondering the same thing: “Can I save money without reducing the protection I rely on?” The good news: YES, you probably […]

Keep Your College Student Properly Insured

Sending your teenager or young adult off to college is exciting — and maybe a little nerve-wracking. Between textbooks, dorm essentials, and late-night pizza runs, insurance doesn’t always make it to the top of the checklist. But making sure your student is properly covered is one of the best ways to protect both them and […]

Does Car Insurance Cover Hail Damage?

Every year, hailstorms cause billions of dollars in damage to vehicles across the U.S. — and northern Minnesota and Wisconsin are no exception. Even a quick summer storm can leave behind dented hoods, cracked windshields, and costly repairs. But does car insurance cover hail damage? And what should you do if your vehicle gets hit? […]

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 […]

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 […]

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 […]