The Insurance Specialists Team 763-244-3735

Creative Ways To Save On Life Insurance

by IST
Five Simple Tips to Get an  Affordable Life Insurance Policy Are you looking to get an affordable life insurance policy? Many people think life insurance is expensive. This is because the cost of life insurance has been increasing over the years. This forces many to avoid getting a policy to protect their loved ones from financial hardship when they’re gone.However, the truth remains that it is still an essential part of a good financial plan for every family. Well, here’s the thing: life insurance doesn’t have to be expensive. In fact, it can be surprisingly affordable but still offers the […]

3 Common Mistakes You Should Avoid When Purchasing Life Insurance

by IST
Are you looking to buy life insurance? Like many, you may be buying intending to protect your family from financial risks should the worst happen. Life insurance is readily available with tons of companies offering coverage. But, some failed at buying and end up getting the wrong amount of coverage or policy as a whole resulting in more financial vulnerability. To avoid this, we listed the 3 most common mistakes people make when buying life insurance. 1. Not doing enough research before the purchase. One of the worst mistakes people make when buying life insurance is not gathering enough information […]

Life Insurance Awareness

by IST
The Insurance Specialists Team is taking part in the Life Insurance Awareness Month campaign to increase understanding of the importance of life insurance. We want to make sure your loved ones are protected. This nationwide initiative is conducted during September by the not-for-profit Life and Health Insurance Foundation for Education (LIFE). Life Insurance Specialists agree, one key message is that life insurance can provide a large source of important benefits across all age groups Whether you’re single, married, have kids or are preparing for retirement, life insurance products provide peace of mind,” said Tim Peddycoart – Life Insurance Specialist with […]

Homeowners Insurance Explained

by IST
Your home is a major investment—which is why it’s critical to protect that investment with the proper insurance. Homeowners insurance can offer financial protection in the event of an unexpected disaster or accident involving you, your home or your personal property. Watch this video to understand the key coverage elements of your homeowners policy. Call The Insurance Specialists Team and speak with a specialist – get answers to any questions. 530 Jefferson Blvd, Big Lake, MN 55309 Phone: (763) 244-3735 Get FREE Insurance Quotes! Facebook Comments

Business Interruption Policies and Coronavirus

by IST
As the coronavirus (COVID-19) outbreak evolves, businesses face growing uncertainty as to how this pandemic will affect their operations long term. This is especially true when you consider that many organizations—including bars, restaurants, entertainment venues, retailers and manufacturers—have had to close their doors or cease operations as a result of COVID-19. Not only has this severely impacted their ability to serve their customers, but, for some, it has also led to indefinite disruptions—disruptions that could impact their bottom line. As a result of the unprecedented challenges COVID-19 brings, many businesses are turning to insurance, like business interruption insurance, for help. […]

Is It Time To Review Your Commercial Insurance?

Is it time to reveiw your commercial insurance? 763.244.3735 Businesses evolve and grow over time. Your insurance should be adjusted and reflect the current needs of the business. A solid wall of coverage ensures all the business has acheived and it’s future is secure. If you’ve added new equiptment, employees, promoted employess, added new buildings or locations then it’d be wise to review your insurance now. The Insurance specialists team has commercial specialists here for you including a master certified workers’ compensation advisor. Facebook Comments

Minnesota: How To Easily Compare Insurance Quotes

by IST
Are you aware that you could receive a large discount by using an Independent Insurance Agent?  In addition, if you live in certain zip codes, you may get extremely low rates. For a long time, there was no easy way to compare quotes from all of these huge car insurance companies. You had to call or check one site, then jump to another and enter all of your information all over again.  Or the worst -some sites just took your info and sold it to a bunch of rookie agents who relentlessly called you. Then if you found a good […]

Happy Thanksgiving!

by IST
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Do You Need Rideshare Insurance?

by IST
Driving for Uber, Lyft or other rideshare industry gigs has become a popular way  for people with a car to generate part time or fulltime income. It provides great flexability. In fact, full-time drivers $36,500 on average in 2018. While the flexible hours and extra income is enticing for many, it’s important to consider all the factors before diving into a career with Uber or Lyft. These rideshare companies provide drivers with insurance coverage, but many drivers don’t realize that they aren’t fully covered from the time they get in their car to the time they hang up the keys.  […]

Workers’ Compensation Insurance 101

It’s estimated over 55% of businesses overpay for their workers’ compensation insurance. There are many ways to reduce premiums, eliminate overcharges and headaches.  The Challenge is not shopping for the lowest quote rather finding an agent who knows work comp and how to reduce premiums and even get refunds for overcharges. It’s important to improve your risk profile by analyzing and addressing issues creating larger premiums. One of the biggest areas for improvement is the Audit. Work comp professionals have found Almost 80% of premium audits are incorrect. Sometime these errors are in the 100’s of thousands of dollars. So […]

If a Neighbor’s Tree Falls on Your Home, Who Pays?

by IST
          Every year, storms are responsible for felling countless trees and limbs. Unfortunately, some of those fallen trees damage homes and other property. Cleaning up the damage from a storm can be a difficult task, both physically and emotionally, and things can become especially tense when you discover that it’s your neighbor’s tree that damaged your house.   To make matters worse, many homeowners are surprised to discover that if a neighbor’s tree falls on their house, it’s usually their own homeowners insurance policy—not their neighbor’s—that will cover the cost of the damages. What follows are […]

Can you Afford to Retire?

by IST
No longer do people retire and sit at home inactive. Today’s retirees are more active than ever. Unfortunately, those activities take money and unless you’re planning to sit at home and wait for death you should be making plans to take care of all those things you wish you had done earlier in life once you retire. While you are planning for your financial retirement you should also take the time to make plans for what you will do once you retire. Do you need to join a travel club now in order to have an established membership when the […]


by IST
Growing since 2003 The Insurance Specialists Team’s overall vision is to provide our customers the best coverage at the lowest cost via the best team of specialists.  We are a forward thinking agency.  Experience is a desired quality.  However, being able to accept change and able to seek improvements to best serve our clients is given most consideration.  Good ideas are encouraged.  We desire to build a culture of excellence where team members have the opportunity to advance through the ranks and share the rewards. Who we hire The Insurance Specialists Team  Hires team members who impress managers and advance […]

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- 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. 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 […]
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