February 2014 / 3 posts found

Health Insurance Deadlines for Coverage

by IST
Deadlines Upcoming deadlines for coverage: – Coverage beginning 4/1: Select a plan and pay the premium in full by 3/15. – Coverage beginning 5/1: Select a plan and pay the premium in full by 3/31. – Avoid the penalty for not having health insurance: Select a plan and pay the premium in full by 3/31. Open enrollment for individuals and families runs through 3/31/14.   Welcome to Insurance Specialists Team’s Health Insurance     Welcome. The Insurance Specialists Team is pleased to offer the health insurance specialists you need and expect when looking for individual, family and group health care […]

Flood Insurance and Back Up of Sewer and Drain Coverage

by IST
Flood insurance? Why are we talking about flood insurance when it looks like we’re going to receive snow again today? Well, for good reasons.  The biggest reason behind thinking about things like flood insurance and back up of sewer and drains coverage now, when the snow is still here, and not in the spring/summer time when floods might actually happen, is because, just like everything else here at The Insurance Specialists Team, we want our clients to be prepared before something happens, and not having to ask the question, “how could this have happened” instead. We generally advice our agents […]

Are Your Buildings at Risk of Collapse?

by IST
Due to the amount of snowfall so far this year and the amount of ice that is building up on roofs throughout Minnesota, there are many buildings that have a potential for collapse. Collapsed roof of out building   Taking the time and effort to remove the snow and ice from the roofs of your buildings will benefit you. Besides the damage to your property covered by your insurance policy, you may have substantial uninsured loss. This includes:  downtime to your operation;  the additional cost of debris removal; the loss of items that cannot be replaced; or the value of […]
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