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 […]
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 […]
Does Your Business Need EPLI Insurance?
Protecting your company from various risks is vital. One crucial form of insurance that businesses, even right here in the Twin Ports area, should consider is Employment Practices Liability Insurance (EPLI). At Reliable Agency, Inc., we’re committed to providing you with the knowledge and tools to protect your business effectively. This blog will explain what […]
