You have questions. We have answers.

My employee got injured on the job, what should I do?

Fill out a first report of injury and send to Deb as soon as possible.

If I have a claim, what is my responsibility?

First, call our claims center. Then, take all preventative measures to mitigate any further damage while the claims process gets started.

If I terminate an employee and they sue me, how am I covered?

Your general liability does not cover you in this instance. You will need to purchase employment practices liability coverage.

Should I purchase the rental company insurance for a rental car?

This is not automatically covered under a commercial auto policy. You would need to purchase an endorsement called hired and non-owned and include physical damage.

If I have volunteers, are they covered?

They are covered under your liability policy.

My child just got his permit, should I call my agent?

Yes, this child will need to be added to your auto policy.

If my home is damaged by water, is this covered?

This is often not covered unless you specifically add it, so you should discuss all potential water exposure concerns with your agent.

I have a full-time nanny, are they covered?

In most cases, you will need to purchase a workers’ compensation policy for paid employees.

What is a deductible?

At the time of a claim, the insurance company will pay all covered expenses after the deductible is paid by the insured.

How can I increase my personal liability coverage?

You can purchase a personal umbrella that will increase your protection, and in some cases, fill in any coverage gaps that you may have on your underlying policies.

What are my alternatives if I am unable to get individual health insurance because of a pre-existing condition?

If you live in Minnesota, you are able to get coverage through Minnesota Comprehensive Health Association (MCHA). If you are a Wisconsin resident, you are able to get coverage through Health Insurance Risk Sharing Plan (HIRSP).

As an employer I understand the value of offering a good benefits package for my employees, but the cost of health insurance is making it difficult to offer other benefits like dental, life or disability. What are my alternatives?

Voluntary benefits, which are paid by the employees. As an employer, you are able to offer your employees life insurance, dental insurance, and short- and long-term disability insurance. The premiums can be payroll deducted and, in some cases, pre-taxed.

I am in between jobs, my health insurance doesn't start for 90 days and the COBRA plan is too expensive. Are there any other options?

Yes, you can purchase a short-term medical plan that will cover you for 30, 60 or 90 days depending on your situation.

What is the difference between Term Life Insurance and Permanent Life Insurance?

Term Life Insurance is purchased for a specific number of years (10-, 20- or 30-year term). If a person dies within the specified term the beneficiary receives the death benefit. If a person outlives the specified term, the policy ends.

Permanent Life Insurance is good for the life of the insured. Permanent life insurance builds cash value that is available at any time during the life of the insured.

What is an HSA?

Health Savings Accounts are tax-exempt accounts where funds grow to pay for medical expenses. They were created to help give control back to consumers and lower healthcare costs. HSAs provide a financial incentive for consumers to select a High Deductible Health Plan (HDHP). HDHPs have lower monthly premiums than traditional plans.