The Insurance Specialists Team 763-244-3735

Insurance MN The Independent Agent Advantage over Geico, State Farm and Others

by IST
  Have you ever wondered how some insurance companies like Geico, State Farm, Allstate, and others could spend hundreds of millions and still have best policies and prices? Truth is most often these companies don’t have the best prices or policies.  They do spend a lot of money trying to portray an image and belief.  The best way to find out the truth and find the best insurance policies and prices  is to use an independent agent like the ones you’ll find at the Insurance Specialists Team. Of course,  you could do a bunch of research on your own.  There […]

Work Comp Insurance Secret

by IST
SECRET – Why Businesses Overpay for Work Comp Insurance…. You control if your audit is error free, overcharge free and 100% correct Because your real insurance cost is determined after your policy expires, it’s essential the audit is correct. You’re at a disadvantage from the start. The insurance company auditor knows the rules, you don’t. The law does not compel the auditor to explain the rules, especially if applying a rule would cause you to pay a lower premium.     Here’s how the Work comp insurance auditor works against you:   • Your entire payroll is put into the highest […]

ELD Enforcement Contributes to Rising Freight Rates

by IST
Electronic logging device (ELD) enforcement has contributed to rapidly growing freight rates, according to a report from transportation information firm DAT Solutions. The firm found that 3 percent of surveyed truckers planned to retire instead of comply with the ELD rule, which was a large factor in a 7 percent drop in year-over-year trucking capacity. Although the ELD rule came into effect at the end of 2017, the Department of Transportation only began enforcement of the rule on April 1, 2018. ELDs automatically track a driver’s compliance with federal hours-of-service limits, and drivers who don’t use the devices must stop […]

2018 Driver Improvement Program 55+ Class Schedule

by IST
2018 DRIVER IMPROVEMENT PROGRAM 55+ CLASS SCHEDULE         Enroll in a course near you- www.mnsafetycenter.org or call 1-320-308-1400 First Time Basic 8 hour Course- 2 (4) hour sessions on consecutive days- $26.00 January 20 Saturday 9:00 AM to 5:30 PM Andover Sr. Center February 22 & 23 Thurs./Fri. Noon to 4:00 PM Connexus Energy, Ramsey March 13 & 14 Tues./Wed. 5:00 to 9:00 PM Plymouth Creek Community Center 27 Tuesday 9:00 AM to 5:30 PM First National Bank of Elk River April 3 & 4 Tues./Wed. 11:30 AM to 3:30 PM Nowthen Alliance Church May 8 & 9 […]

The Basics of Life Insurance

by IST
If others depend on you for financial support, part of your financial plan should include how you will provide for them in the event of your death. To help you decide which option is the best for you, we’ve covered the basics. The Basics of Life Insurance If you are married, it’s important for both spouses to have a life insurance policy. If both people bring in an income, a death can be a difficult financial loss. Also, if a stay-at-home parent should pass away, expenses such as childcare and other domestic items can create financial hardship, too. There are […]

Make OSHA Record Keeping Easy With OSHA Logs

Make OSHA record keeping a breeze! As an employer, you’ll need to fill out just one very simple online form either on your computer or smartphone and you’ll be able to create all OSHA forms instantly. This includes the OSHA Form 300, 300 A and 301. You’ll be able to download, print, or email these documents just like any other PDF. And, since all the forms utilize one data source, you’ll eliminate the potential for mistakes between the forms.  Also, if you need to make a change, do it once and all three forms will be updated automatically. OSHALogs will […]

MN Republicans Offer Health Insurance Reform Right Out of the Box    

by IST
House and Senate Republicans yesterday announced the introduction of their 2017 health care reform initiative, House File 1 and Senate File 1.   Entitled the 2017 Health Care Emergency Aid and Access Act, it will provide premium relief for Minnesotans devastated by increases in individual health insurance premiums along with steps to provide more options for individuals and small employers seeking health insurance in the state.  The bills will be authored by Rep. Joe Hoppe, Chair of the House Commerce Committee and Sen. Michele Benson, Chair of the Senate Health and Human Services Finance and Policy Committee. First, the bill establishes […]

Claims service with a local Travelers Insurance Agent

  Travelers Claim service Travelers Personal and Business Insurance Auto & Property Local service. Travelers has more than 11,000 experienced Claim professionals located across the country who are prepared to handle property or auto claims of all sizes and complexities. Expertise. Travelers Claim professionals receive specialized training at Travelers Claim University so that they can meet your customers’ high expectations. Improved agency efficiency. MyTravelers.com has many valuable services for customers, such as claim reporting, so you can spend more time growing your business. Growth and retention. 9 out of 10 customers who have had a claim with Travelers would recommend […]

Pokémon Go

by IST
– Beyond the Basics – Loss prevention tips for all your home matters, provided by: Insurance Specialists Team   Always Be Aware of Your Surroundings to Stay Safe Pokémon Go—a location-based, free-to-play game for iOS and Android smartphones—has been encouraging players to get outside and walk around. However, players should be fully aware of how the game works in order to ensure that they remain safe at all times. Pokémon Go Pokémon Go uses a smartphone’s GPS and gyroscope sensors to determine a player’s location. The game then uses that information to display Pokémon near the player, through the phone’s […]

Work Safely in the Yard

by IST
Let’s Keep Our Lawns – and Ourselves – Safe in Minnesota For many of our neighbors in MN, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for injuries from lawn and garden tools, according to the U.S. Consumer Product Safety Commission (CPSC), see Ortiz Law Firm for more data. Don’t let your landscaping efforts land you in the hospital! Follow these handy safety tips. Tool safety tips from the U.S. CPSC  Dress appropriately. To […]

Is it Time to Replace Your Car Tires?

by IST
Your car’s tire performance is essential to both its safety and its efficiency. Tires eventually lose traction and braking ability, and should be replaced when necessary. When your tires are in tip-top shape, they ensure that you stay safe behind the wheel. Do Your Tires Need Replacing? Here’s how to determine if you need to replace your tires: Inspect tread wear bars. These are small bridges that form between your treads. If you look at your tread pattern and notice the beginnings of these bars starting to form between the treads or running across the tires, and then become flush […]

Avoiding the Truck Zone

by IST
Always allow room for the truck zone. Don’t forget to share this with your friends and family! Facebook Comments

Expand your employee benefits package with exclusive savings on auto insurance

by IST
Great News!  We think you'll love this :-) We have a special deal that saves up to 30% on your insurance with workplace and other discounts. As an independent insurance agency, The Insurance Specialists Team represents multiple carriers – not just one. This allows us to offer your business and your employees the best options for competitively priced insurance. Working in partnership with Safeco Insurance®, one of the insurers that The Insurance Specialists Team represents, we’re pleased to offer an easy and convenient option that enhances your employee benefits package by helping your employees save on auto insurance – at no […]

Prepare and protect your boat or RV in the off-season

by IST
Follow these tips to make sure your vehicle is ready for winter.         □ Review vehicle manuals for winterization and maintenance. □ Check rubber seals, gaskets, roof tops, decks, windows, etc. to prevent water intrusion. □ Remove anything that retains water. □ Turn cushions on edge to prevent mold and mildew. □ Fill gas tank to minimize condensation. Add a fuel stabilizer. □ Change oil/oil filter to protect your engine from impurities. □ Turn off refrigerator. Disconnect battery cables and turn off all battery switches or remove the battery completely. □ Open and clean drawers, lockers, refrigerator […]

Do You Need a Personal Umbrella?

Use the quick form below to determine if you should consider an umbrella. Umbrellas aren’t just for the super wealthy. We live in a litigious society and umbrellas don’t cost much. In fact, they could be considered a bargain after a judgment. It’d be a sad day if you were determined liable for an at fault accident and had a judgment against you. For example:   $2,000,000 judgment – $30,000 (the state minimum auto liability limits) = Bad situation – especially when you find out how affordable an umbrella or just extra liability coverage costs.  It’s one of the few […]

The Truth about Water Damage

by IST
Most policies don’t come with backup of sewer and drains coverage.  It’s true.  Do you have this coverage?  How much do you have? Check the video below for the truth about water damage. What can be saved? What should you do first? What is the minimum amount of coverage one should include? What does it cost? According to the Insurance Information Institute most homeowner and business insurance policies do not cover sewer backup unless specific sewer backup coverage is added to the policy. Tim Peddycoart – home insurance specialist for the Insurance Specialists Team says to “Check and find out […]

Wedding Insurance?

by IST
  Why Would You Need Wedding Insurance…   What could possibly go wrong? It’s wedding season. The insurance specialists team offers special event and wedding insurance which provides cancellation postponement coverage and other coverages to cover your investment, with an option to add liability coverage with no deductible, for many of things that could go wrong – that are beyond your control. Some Possible Wedding Day Disasters… ♥No Dress ♥Lost Deposits ♥Lost Rings ♥Severe Weather ♥Transportation Shutdown ♥Ruined Photos ♥Call to Duty ♥Damaged Gifts ♥Sudden Illness ♥Venue Requires Insurance ♥Additional Expense ♥Unemployment   Wedding insurance can offer the following coverages […]

Rental Car Insurance

by IST
Before you rent a car, contact Insurance Specialists Team to find out how much collision and liability coverage you have on your vehicle. In most cases, the coverage and deductibles you have on your personal automobile insurance policy would apply to a rental car, providing it is used for pleasure and not business. The Angell Law Firm, LLC reminds us in there recent posts that, if you don’t have comprehensive and collision coverage on your own car, you will not be covered if your rental car is stolen or if it is damaged in an accident. If you need a […]

TIPS TO SAVE ON HOME HEATING COSTS THIS WINTER

by IST
It’s no secret winters in the Midwest are frigid. Keep the chill outside by following these helpful tips to reduce your energy bills without sacrificing comfort. Fuel The most common home heating fuel is natural gas and according to the Department of Energy it’s used in about 57 percent of American homes. • Shop around for the best price on home heating fuel; some companies will sell at a lower rate if you pay upfront • Purchase heating fuel in the off season; often times, filling your tank in spring and summer costs less than fall and winter Make your […]

Tis the Season for Christmas Shoplifting…and for Stolen Gifts

by IST
              These holiday tips brought to you by The Insurance Specialists Team We are in the peak holiday shopping season. Whether your at Rosedale, Northtown mall, The MOA –  we’d like to suggest a few reminders about how to be safe and to prevent your gifts and other purchases from being stolen. Shopping during the holiday season can present many dangers, but following a few prevention measures can help keep your holiday season joyous.  Packages left in a car in plain site can be too much for criminals to resist. Please keep these safety […]

AAA Membership Special Limited Time Offer

by IST
AAA MEMBERSHIP Effective September 29, 2014 throughout 2015, we are pleased to announce a special limited time new member offer! • – Waive enrollment fee and One Free Associate with a New Primary Member when enrolling. • Free Associate must be added same time New Primary Member enrolled. • Only one “Free Associate” per new Household. • Free Basic (revised name “Classic”) Dues only for 1st Associate. PlusRV and PremierRV are at current rates. All other Associates can be added at the ½ priced rate • Not applicable to existing active members. • $5 Discount when adding Automatic Renewal – […]

Should You Raise Your Auto Insurance Deductibles?

by IST
When Is It A Good Time To Raise Deductibles On My Auto Insurance policy? Many of us are searching for methods to conserve cash. IST strives to offer the most effective combination of prices and insurance coverage to all our customers. We recommend that you evaluate your insurance program annually to ensure your insurance is correct and in line with your needs. We’ll generally contact you via email and/or phone to do a quick review or to schedule a good time for an insurance review. One of the things worth considering during a review are adjustments in deductibles. Raising deductibles […]

Emergency Dental MN – A No Insurance Emergency MN Dentist

by IST
http://mndentist.org 952-334-8157 Do you need an emergency dental MN emergency dentist in Minneapolis, MN and suburbs now? Have an excruciating toothache you… Facebook Comments

KTTC-MN: ObamaCare Increasing Health Insurance Costs For Mayo Clinic Employees

by IST
KTTC-MN: ObamaCare Increasing Health Insurance Costs For Mayo Clinic Employees (January 31, 2014) Facebook Comments

IT Insurance

The Insurance Specialists Team specializes in IT insurance for technology businesses including self-employed individuals and IT consultants working from home. We understand the unique risks you face, that’s why we offer technology insurance that is customized to your specific needs. We cover a range of IT professionals including (but not limited to): IT consultants Application service providers Database administrators/designer Computer consultants Computer programmers Hardware installation experts Integration Specialists IT project managers Online security specialists Software developers System designers Website developers Professional liability insurance Professional liability insurance or errors and omissions insurance protects your business if there’s…

The Great 401(k) Flaw

by IST
401(k) plans have become widely used over the last 30 years. Unfortunately, the plan has many flaws. The biggest of which: is that when people reach the age they MUST begin withdrawing money from their plan. Age 59½. The 10 percent early withdrawal penalty on IRA withdrawals ends at age 59½. However, you are not required to take distributions until after you reach age 70½… AKA – the governments payday. How many of us were told to save tax deferred and then take out when you are retired and in a lower tax bracket? How many people can risk retiring […]

Good Moods or Bad Moods… They’re Contagious

by IST
People try to avoid picking up germs from someone who is coughing, but when they encounter a person who is in a bad mood, they can just as easily pick up their cranky vibes. Moods are contagious. It’s easy to catch a good mood. When you’re at work and co-workers have good news about something or someone, they want to share it with you. Excitedly, they announce the good news and everyone is in a better mood. The infectious quality of mood and emotion has been widely studied as a form of contagion. Without consciously trying, people are very good […]

Referral Corner

by IST
We want to thank you for your referrals over the years. We always ask our clients, “If they can just refer us one client per year, it would help us immensely.” We are grateful to everyone who’s referred someone our way, and we always love to have new people become part of our inner circle of friends and family. Simply send them our contact info. call 763.244.3735 , or email info@istmn.com or have them stop by one of the agency locations and tell them to tell us you sent them. We will give you a thank you and a Target […]

Grilling Safety

by IST
Summers mean backyard grilling – safely!   Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer and grilling in MN isn’t just about great food. Backyard barbecues often create treasured memories with friends and family.   Keep in mind, however, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents.   There’s good news, though: You can prevent grilling accidents by taking some simple precautions. The tips below can help ensure you cook only your […]

Why Families Need Life Insurance

by IST
Ben Van Houten the father of sextuplets died Wednesday night from a sudden heart attack, confirmed the Dykstra Life Story Funeral Homes in Holland, MI. Van Houten lived in the Holland area in western Michigan. In 2004, his wife, Amy, gave birth to six children over three days at a Grand Rapids hospital. They’re now 10 years old. The kids were joined by a sister, now 7. At this time, it’s necessary to ask, was the family properly covered with life insurance? Their grief must be astounding. But that anguish cannot be compounded with sudden poverty. Life insurance is critical […]
Call Now