How to make (and keep) your 2019 resolutions.

It is almost the New Year, which means most of us are planning our goals for 2019. It can be daunting when your list of resolutions is as long as your arm. In addition to the post-holiday slump, not being able to keep your resolutions until February may worsen your outlook on life. To help you make and keep resolutions in 2019, check out these tips!

Set Realistic Goals
Resolving to look like a supermodel is not realistic to the majority of us, but committing to daily physical activity is very possible. Likewise, it may not be possible to save money for a home down payment in one year. Make goals realistic and achievable so that you are not setting yourself up for failure.

Set One or Two Goals
Want to do x, y, and z? As well as a, b, and c? Setting too many goals for yourself can be overwhelming as well as difficult in practice. Choose your top one or two goals and commit to them whole-heartedly instead of trying seven or eight.

Create a Game Plan
At the beginning of January, write down a comprehensive plan. Note how you plan on achieving these goals and what support you will need along the way.

Break it Down
Often, when we look at a goal, it can seem incredibly hard to achieve – that is why many of us give up. This ties in to setting realistic goals. Rather than have one big goal, break it up into smaller pieces. For example, if you want to lose weight, start by signing yourself up at the gym. Take a few classes to find which activity you like to do, as you will be more committed to it if you like it! Learn about your food choices so that you can make healthier decisions. Learn to take the stairs instead of the elevator and park your car further away from the store. Small changes can help you to reach your goal sooner than you think.

So you can focus on your health and wellbeing this month, leave your insurance needs in the hands of the professionals. Contact Mayer Insurance in Apple Valley, Minnesota to get started on reliable personal and commercial insurance today.

Steps to prepare seniors for winter weather.

Cold weather can take its toll on all of us. Whether we are prone to feeling the cold or not, the cold weather can be extremely dangerous. Elderly people are especially at risk during winter, especially when there are risks of icy sidewalks, hypothermia, and serious injuries. If you have elderly neighbors, friends or relatives, check in with them this winter and share these winter safety tips.

Wrap Up
Older adults can lose body heat quickly and be unaware of a change in body temperature, which can make them susceptible to hypothermia. It is important to wrap up in plenty of layers to stay warm and reduce heat loss.

Be Aware of Space Heaters
When the weather cools, many of us turn to space heaters to get warm and make the space cozy. However, these heaters come with a high risk of fire. People aged 65 and older are three times more likely to die or be injured in a home fire. Space heaters should be placed away from flammable materials and turned off before leaving the room.

Prevent Slips and Falls
Ice can cause slips and falls for best of us, but it becomes especially dangerous for seniors with fragile bones. Encourage your senior to stay inside until the ice and snow has been cleared from their property to prevent injuries. If possible, ensure someone walks with them.

So you can focus on your health and wellbeing this month, leave your insurance needs in the hands of the professionals. Contact Mayer Insurance in Apple Valley, Minnesota to get started on reliable personal and commercial insurance today.

Tips to keep your windshield clear for winter.

We have all been there – dashing out to the car as we are running late for work only to find that the car’s windows are covered in frost. It can be a time-consuming process, made even worse by the fogged up window glass inside. To avoid this dreaded situation, check out these tips to easily and quickly defrost your car’s windows.

Turn the Heater On
Start your engine and turn on the defroster. Crank the heater up all the way to absorb excess moisture within your vehicle.

Press the A/C Button
This may sound counterintuitive, especially as you are trying to warm the car up, but your car’s A/C system helps to dry the air within the car faster. This means that there is a lower possibility of fog and condensation in the vehicle.

Turn Air Recirculation Off
You need fresh air to enter the vehicle. Winter air is often cold and dry, so bringing it into your car increases the absorption capacity to quickly dry the saturated air trapped within.

Make Your Own Mixture
Mix 1/3 cup of water with 2/3 cup of rubbing alcohol to produce a defrosting spray. This helps to clear your windshield quickly without damaging your windows.

Never Use Hot Water
Hot water will clear your windows quickly, but it may crack and damage the screens. It may be tempting, but avoid using boiling water to defrost your windshield.

Are you ready to secure the right insurance to protect your over winter? Get started on securing the right auto insurance for your needs by contacting the professionals at Mayer Insurance, serving Apple Valley in Minnesota and surrounding areas.

Ways to safeguard your property against winter disasters.

Although the winter brings festivities and fun holiday parties, the cooler temperatures and hazardous weather are a major downside. Now that the cold winter has set in, it is important to take the proper precautions against dangerous winter hazards. Here are a few common winter home hazards to look out for.

Frozen Pipes
If you do not insulate your pipes, you may find that you have several frozen pipes when the temperatures dip below freezing. When the fluid in the pipes freezes, it expands. As a result, the pipe can split open, causing flooding and leaks when the temperatures rise again. To prevent frozen pipes, insulate your pipes, run your heating on low, and seal up any gaps that let cold air in the property.

Fireplace Hazard
There is nothing cozier on a cold winter’s night than to warm up in front of the fireplace. But before you ignite the fire for the evening, you will want to ensure it is safe. Make sure to have your chimney cleaned and inspected beforehand. Soot that accumulates can put your whole building in danger of fire.

Holiday Disasters
Festive lights and decorations add holiday spirit into the property along with an increased risk of injury or damage to your property. Consider these safety tips to avoid holiday disasters:

  • Do not string together too many lights on one extension cord
  • Unplug any lights before going to sleep or leaving the house
  • Throw away lights that have frayed insulation or bare wire
  • Place the Christmas tree away from heat sources
  • Water the tree often to keep it hydrated

Are you in need of quality home insurance? Skip the search of finding the right homeowners insurance policy for your needs, visit the team at Mayer Insurance in Apple Valley, Minnesota to get started on your tailored coverage today.

How to use your health insurance wisely.

We hear it a lot – “health insurance is expensive.” But, imagine the cost of your medical bills if you did not have it! Unfortunately, a lot people do not take advantage of everything their plan offers, meaning that they go on thinking that it is a waste of money until they actually get ill or injured. Here are a few ways that you can use your health insurance even when you are feeling well.

Enjoy free insurance benefits.
Get preventative services, like the flu short or a depression screening. Doing so can help to prevent illnesses, diseases, and other health problems down the line. Contact your insurer to be sure these services are free (they often are when delivered by a doctor or another provider in your plan’s network).

Find a doctor.
The time to find a doctor for you is when you are healthy so that you do not have to go through the process when you need medical attention. Usually, you pay less if you opt for a doctor in your network, so keep that in mind when you are trying to find your next doctor.

Understand your costs before you need care.
Like with any insurance policy, it is a good idea to understand your costs and coverage before an accident happens. Learn which services in your plan are not subject to your health insurance deductible. Knowing your costs upfront can prevent the stress of unexpected costs later on.

Do you need help choosing your next health insurance plan? The team at Mayer Insurance are ready to assist. Contact our trusted experts today to get started.

What you should know about snow and your insurance coverage.

The Minnesota winter is almost here, and that means cold temperatures and the likelihood of snow. As a homeowner, ensuring that the snow does not also become an expensive problem means you have to clear up after each snowfall or hire a team to do it for you.

Many homeowners in Minnesota are not exactly sure why this is so important or what their responsibilities and liabilities are in relation to snow on their property. Not only do you have to ensure you adequately clear snow from your driveway and path in a timely manner, but you should also consider how your insurance can help.

Even without the hazard of snow, homeowners need to remember that they can be sued if a person falls and sustains an injury on their property. When snow and ice arrive, the chance of an incident happening increases. If a visitor slips and falls on a patch of ice that is on your property, you could be found negligent and liable – meaning you face serious costs. Your homeowners insurance should include liability coverage, which will help you with types of costs. Before the snowstorms arrive, it is a good idea to check your policy or talk to your broker to confirm coverage.

Remember that property owners are legally required to clear sidewalks after the end of a snowfall within 24 hours. If you do not, you could face a steep fine from the city, especially if there are complaints. The sooner and more completely you shovel snow, the less likely ice will form.

Are you in need of quality home insurance? Skip the search of finding the right homeowners insurance policy for your needs, visit the team at Mayer Insurance in Apple Valley, Minnesota to get started on your tailored coverage today.

Power outage preparedness tips.

Most of us are unaware of just how often we rely on electricity every day. From the toaster and the coffee pot to our cell phone charger and our television, we often take our use of electricity for granted. Most of us tend to realize this when the power goes out. While we are stumbling around in the dark trying to find the flashlight is the time we wish we had been prepared! Take a look at these tips to protect your home from damage during power outages.


  • Build an emergency preparedness kit, including a flashlight, batteries, cash, and a first aid kit.
  • Keep a single flashlight and extra batteries in an easy-to-reach location.
  • Purchase ice bags to keep food cool during a temporary power outage.


  • Aim to keep the fridge and freezer doors closed as much as possible to conserve the cold.
  • Turn off and disconnect appliances and other equipment in case of a momentary power surge that can end up damaging devices.
  • Use your gas stove to cook food and boil water.


  • If there has been any food exposed to improper temperatures or that has an unusual color or odor, discard it immediately.
  • Restock your emergency kit with fresh batteries, non-perishable food, and additional supplies you may have used.

Do not be left in the dark during a fall power outage! Protect your home with quality homeowners insurance by contacting the team at Mayer Insurance today. We serve Apple Valley and neighboring cities in Minnesota with quality coverage.

How your business can benefit from life insurance coverage.

When you own a small business, there are a lot of risks to consider. That is why you secure a variety of insurance policies to protect your investment. What you may not have thought about is taking out life insurance to safeguard the livelihood of your business. Your death could be a disaster for your employees and partners, and it could destroy the company you worked so hard to build. Take a look at why small business owners should certainly consider life insurance coverage.

Your family depends on your income to survive. It helps to pay the bills, put food on the table, and pay for future fun. Also, you may have taken out loans backed by your family’s assets to develop or grow the business. If your family members are not equipped to take over the business if you were to pass away suddenly, they may struggle to maintain that needed income. They could also be at risk of losing their home if it is collateral for a business loan.

If you have business partners, your family might be unable to step into your role and unable to buy out your share. In this situation, your family may have to help run the business during an already stressful time, or they may be forced to sell off the company.

A life insurance policy would help your loved ones pay off any business debt and cover living expenses after your untimely death. This gives your family a safety net, allowing them time to determine what they want to do with the business. If your company has multiple owners, you can combine life insurance policies on each partner with a buy-sell agreement. This stipulates that on the death of a partner, the living partners can buy out the surviving family’s share at a previously agreed price. The life insurance coverage pays for the buyout.

Are you ready to secure the right life coverage for your business’s and family’s needs? Skip the search of finding the right life insurance provider for your needs. Visit Mayer Insurance in Apple Valley, Minnesota to secure your coverage today.

Why basic home insurance is anything but minimal.

Home insurance is designed to provide valuable peace of mind that if something happens to your property or its contents, you will not be left to foot the bill for any repairs or replacements. Even though you know you need coverage, you may want to obtain basic home coverage to keep your premiums low. If so, know that tailored coverage is affordable, and that even basic home insurance provides plenty of coverage to protect your assets.

Home insurance protects what is likely your biggest investment: your house. If there is a fire or natural disaster, your insurance will step in to help rebuild and repair your property. However, a home insurance policy covers much more than damage to your house. There are additional coverage types within a policy that can save you from financial hardships. Standard policies cover:

  • Your belongings
  • Certain structures outside of your house, such as a fence, garage, or a garden shed
  • Loss of use, meaning that insurance can help to cover additional living expenses you incur if you cannot live at home due to damage from a covered peril. This can include hotel bills, restaurant meals, and even laundry costs
  • Liability for causes where you are sued for damage or injuries to someone else
  • Medical bills for people injured on your property or by your pet

Common perils that are covered in standard home insurance policies include:

  • Fire or lighting
  • Windstorm or hail
  • Explosions
  • Theft
  • Smoke
  • Vandalism
  • Damage caused by aircraft
  • Damage caused by vehicles
  • Riot or civil commotion
  • Accidental discharge or overflow of water from plumbing, heating, or a household appliance

Skip the search of finding the right homeowners insurance policy for your needs, visit the team at Mayer Insurance in Apple Valley, Minnesota to get started on your tailored coverage today.

Keeping data safe in the workplace.

Did you know that October is National Cyber Security Awareness Month? If you, like most businesses in today’s society, operate online and have a firm digital presence, you should work to protect your data. The reality is that just by conducting any type of business online, your company can suffer a breach in data security. To get involved in this awareness month, learn how you can keep your business’s data safe.

Know what data is sensitive and where it is stored.
Identifying sensitive data is the first step to keep it safe. Sensitive data includes information that provides sales insights, financial information, customer details, employee contact details, Social Security Numbers, contracts, and more.

Use up-to-date security software.
Anti-virus and anti-malware applications are important to keep your systems running safely. If the last time you updated this software was a couple of years or even months ago, spend some time getting the applications up to date. Encryption software should also be used to encrypt all types of sensitive data.

Restrict access.
How many people on your team currently have access to sensitive information? You might be surprised to learn that this information is easy to access once you are in the system. Only your most trusted employees and business partners should have access to your customer data. Keep digital data password-protected and paper documents should be kept under lock and key.

Cyber liability insurance can help to safeguard your business should it fall victim to a cyber breach. For the protection your business needs, contact Mayer Insurance in Apple Valley.

Mayer Insurance observes Breast Cancer Awareness Month this October.

October is covered in pink, as it is National Breast Cancer Awareness Month! This is the month for women to perform self-examinations, book a mammogram, for women who have this cancer to get additional support, and for awareness to be raised. Breast cancer is the second leading cause of cancer death in women, overtaken only by lung cancer. The good news is that with more knowledge and the latest science, the rates of breast cancer deaths are declining.

There are many factors that may contribute to one’s breast cancer risk. While a small portion of this risk is hereditary, lifestyle continues to be one of the most influencing factors. You can help lower your risk of this cancer by being at a healthy weight, limiting your consumption of alcohol, and not smoking. By making small changes toward a healthier lifestyle, a woman can help lower her risk of developing breast cancer. It is recommended that all women over the age of 40 (unless otherwise stated by your doctor) have a mammogram performed annually.

You can help to increase awareness in your community to show support this month. Whether you wear the symbolic looped pink ribbon, share on your social media, or put a poster up at your office about breast cancer, you can help to educate and support women.

Whatever you choose to do this October to raise awareness about breast cancer, your efforts will make a difference. So that you can focus on your health and wellbeing this month, leave your insurance needs in the hands of the professionals. Contact Mayer Insurance in Apple Valley, Minnesota to get started on reliable personal and commercial insurance today.

Learn how to get the most out of your coverage before it expires.

You spent a lot on your new or pre-owned vehicle, and you have an expectation that you will not have to put much money into the vehicle in the near future. You can help to minimize future cost by understanding the coverage types and lengths of your new, used, and extended car warranty. Here is what you should know about how your car warranty and auto insurance coverage can save you money and protect you financially.

What is a car warranty?
A new or used vehicle warranty is a legally binding commitment from a vehicle manufacturer or dealer to cover the expenses of designated repairs or part replacements that may occur during the specified warranty period. Typically, these repairs include any auto parts that have broken down, have been found faulty, defective, or are recalled. Vehicle warranties do not cover regular maintenance or repairs caused by:

  • Accidents
  • Collisions
  • Negligence
  • Weather damage
  • Fire damage
  • Theft

A warranty can cover a set amount of time, usually 3 years or up to a certain mileage – whichever comes sooner. This warranty will remain in effect whether you take your car to your local mechanic or the dealer’s service shop.

To help you get the most out of your warranty, check out these tips:

  • Read the entire warranty. Be sure you understand all of the terms and what actions might void the warranty.
  • Ask for clarification. If you do not understand the jargon in the warranty or need something confirmed, ask for clarification from the warranty company.
  • Service your vehicle regularly. Have your vehicle regularly serviced and be sure to use recommended products in your car.
  • Keep service records and receipts for all services. You may need to present these documents when using your warranty for a repair.

Keep in mind that car warranties are different from car insurance policies. Insurance covers the risks and damages such as accidents, collisions, storm damage, car rentals, and roadside assistance.

Are you ready to secure the right insurance to protect your new vehicle? Get started on securing the right auto insurance for your needs by contacting the professionals at Mayer Insurance, serving Apple Valley in Minnesota and surrounding areas.

Here are the next steps to take if an employee is injured at work.

Whether you work at a construction site or in an office, there is always a chance that someone will get hurt. If that day comes for one of your employees, it is crucial that you, the employer, know how to handle the situation.

Seek medical help. Getting immediate medical attention is always the first and most important step to ensuring your employee’s safety and protecting yourself. Call 911 if the injury seems life-threatening or requires emergency medical attention. Although it may not always be clear when you should call for an ambulance, it is better to be safe than sorry. Failing to seek medical assistance promptly could mean that you face a lawsuit.

Understand your obligations as an employer. If you are unfamiliar with or do not understand your obligations to an employee who was hurt on the job, now is the time to brush up on this very important information. Injured employees are entitled to file a claim, and it is your responsibility to provide them with a claim form after the accident and report the injury to your workers’ compensation insurer.

Gather the facts. It is best to gather as much information about the accident as possible. Ask eyewitnesses to come forward so that you can write down their statement of what happened. Take pictures of the scene and review video footage, if possible. These pieces of information can help to clarify disputes about the accident.

File the claim. The final step is to file the workers’ compensation claim and stay on top of its progress. Your insurance company will guide you through every step of the process to correctly file and document the claim. Whatever you do, do not try to avoid filing the claim by offering to pay your injured worker’s medical bill directly.

As always, having the right insurance is also an important part of keeping your business’ environment and team safe. For the protection your business needs, contact Mayer Insurance in Apple Valley.

How to prevent fires from occurring in the workplace.

Without awareness, care, and attention of everyone at work, a fire can start and spread in the workplace quite easily. What’s more, no prevention or preparation can cost lives. Thankfully, this is a problem that can typically be avoided by following some basic practices regarding fire safety.

Common Causes of Fires

  • Electrical Faults
    Electrical failure is another all-t00-common cause of commercial fires. Overloaded circuits, lack of maintenance, and bad workmanship are dangerous to the building as well as to your business. Remember not to plug too many devices into an outlet, avoid using worn extension cords, and always ground electrical equipment to prevent a fire from sparking. Although you may think your electrical issues can be solved with a little DIY, it is always safer to call out a professional than risk the livelihood of your business.
  • Misuse of Equipment
    Whether your workplace is an office, or a warehouse filled with heavy machinery and electrical devices, you should always reinforce safe equipment handling to your employees. Upon hiring, ensure he or she knows how to use equipment correctly. Training is a simple measure to prevent misuse of equipment, causing severe wear and tear as well as potential injuries and fires.
  • Smoking
    Cigarette smoking among employees is one of the most common workplace fires. Most states and cities have banned indoor smoking, although many businesses continue to allow their employees to light up inside. There is always a chance that the stray spark may land on lint, paper, gasoline, or some other source of tinder to create a fire.
  • Arson
    Security measures can help keep your business premises from becoming victim to arson. From motion-sensor lights, security cameras, and working smoke alarms, you can help to prevent arson, or at least safeguard from total damage.

Should your business suffer a fire, remember that you can fall back on your commercial insurance policy. For the protection your business needs, contact Mayer Insurance in Apple Valley.

Determine if you are under-insured in your auto policy.

It can be tempting to go for the cheapest auto insurance policy to save money on premium costs, but is it a good idea? Generally not, unless you are prepared to come up with thousands of dollars out of your own pocket if you are ever in an accident. Knowing how much coverage your policy offers you can help you determine if you need to purchase additional protection.

Every motorist in Minnesota needs to purchase auto insurance. The minimum amount of Minnesota auto insurance coverage is $30,000/$60,000/$10,000. In the event of a covered accident, your limits for bodily injury are $30,000 per person, with a total maximum of $60,000 per incident. It also covers up to $10,000 for damage to another person’s property.

When you are responsible for an accident, you are required to pay costs that exceed your policy’s liability limits, whether it is for bodily injury or property damage. Although purchasing the minimum coverage comes with an enticing premium, you could end up on the hook for remaining expenses if you exhaust your auto insurance coverage. Consider opting for more liability coverage to safeguard your future finances.

Ideally, you would not get into car crashes, but accidents do happen. In most collisions, there is vehicle damage, injuries, and even passengers who require ongoing treatment. Think of the following situations before you opt for minimum coverage:

  • The other drivers suffer severe, lifelong injuries from the accident. They require serious and lifelong medical treatment and support.
  • Multiple passengers in the other vehicle may be injured in the same accident.
  • Injuries can cause the other driver and passengers to miss work for an extended period of time.
  • The other driver’s vehicle may be damaged or totaled.
  • There is additional property damage beyond the driver’s vehicle.

In all of these situations, your basic liability coverage may not be sufficient to cover all damages. In that case, you may want to think about increasing your limits.

Even if you raise your coverage, other drivers may stick to minimum coverage – or no coverage. That is why acquiring underinsured/uninsured motorist coverage can protect your finances. If you are involved in an accident with a motorist who has no or too little coverage to cover the cost of repairs and injuries, your own insurance can kick in so that you are not out of pocket.

Talk to your insurer to see if increasing your auto insurance coverage is right for you. Get started on securing the right auto insurance for your needs by contacting the professionals at Mayer Insurance, serving Apple Valley in Minnesota and surrounding areas.

Should you combine auto insurance policies now that you have tied the knot?

All drivers, regardless of their marital status, are required by law to have some form of car insurance. There are many scenarios where a husband and wife are more comfortable with keeping their separate policies active, which is an option. But before you choose to keep your own personal auto insurance after marriage, consider your other options.

Typically, car insurance is less expensive for married couples, although there are a few exceptions to this rule. Even if you do not change auto insurance policies, you may find that you are eligible for lower premium rates when your current policy comes up for review. On average, getting married will lower your premiums 10 to 12 percent – even if every other factor has stayed the same. This is because insurers have found that married couples are less likely to file claims when compared to single drivers with similar profiles.

To receive a higher discount on your car insurance premiums, combine yours and your partner’s car insurance into a single policy. This will make the most sense if you have good driving records with no gaps in coverage. Additionally, you may be entitled to a multi-car discount, meaning that if your household has more than one car, sharing a policy can earn you more discounts.

While combining insurance makes sense in many cases, if one of you has a poor driving record or poor credit score, keeping your policies separate may cost you less. If you are a high-risk driver and your partner is a low-risk driver, it is likely that you will raise the cost of his or her insurance rates. There is also a chance that an insurance company will not insure a high-risk driver.

If it does make sense for you to combine policies with your new spouse, review your information with an agent. Finding the right policy for you both does not have to be stressful. Talk to the team at Mayer Insurance to find out how to get affordable and quality auto insurance for yourself and your partner.

Learn how you can safeguard your business against employee fraud.

While a good employee can be a business’s biggest asset, a bad employee can be its biggest liability. Unfortunately, acts of employee dishonesty and fraud are far more common than you might think. Luckily, there are steps that you can take to reduce the chances of your business becoming a target. Here are some of the precautions you should take to protect against employee fraud.

Employ Stricter Hiring Standards

One way to prevent employee fraud is to make sure that you are only hiring good, honest workers. The most effective way to weed out criminals and bad eggs is by employing stricter hiring standards for your company. For instance, all new hires should be subject to a background check and you should be sure to follow up with a candidate’s previous employers before seriously considering them for a position. Oftentimes, a little research on your part will uncover previously undisclosed criminal activities or acts of fraud.

Establish a Code of Conduct

Another way to reduce the chances of employee fraud at your company is by establishing a code of conduct for yourself and your employees alike. Generally, a code of conduct states that your company will not tolerate unethical or illegal behavior from anyone, including customers, suppliers, employees, managers, and so on. These codes also lay out employee guidelines and detail what will happen to those who do not meet company standards. When you follow a code of conduct, your employees will be more inclined to follow suit. Additionally, this will also make your employees more inclined to report suspicious behavior to supervisors as well. When taken together, both of these outcomes will reduce your business’s chances of falling victim to an employee’s fraudulent acts.

These are some of the suggestions you should try to safeguard your business against acts of employee fraud. Looking for another way to keep your company safe? Then make sure you have the proper commercial insurance protections in place. For assistance with your business insurance needs, contact Mayer Insurance in Apple Valley, Minnesota today.

Here are some of the commercial coverages your business cannot afford to overlook.

As a small business owner, it is your responsibility to protect your business from all of the risks that it faces. However, this task is easier said than done. Unfortunately, even if you have protective measures in place, your business may still run into issues that you cannot prevent. This is why it is so important to have the right insurance protections in place. Not sure which coverages are right for your company? Here are some of the essential policies you cannot afford to overlook.

Commercial General Liability

This type of insurance will offer financial coverage in the event that your company is found responsible for a third-party’s injuries, property damage, or other losses. This type of insurance is designed to cover the cost of the affected party’s medical expenses and/or repairs. Additionally, should the affected party decide to sue your company, general liability insurance will cover your legal and settlement fees as well.

Commercial Property

This type of insurance extends coverage to your company’s physical building along with the supplies, inventory, equipment, and other property housed inside of it. Commercial property insurance offers coverage for the damages caused by vandalism, theft, fire, extreme weather events, and so on.

Workers Compensation

This is one of the only types of commercial insurance that businesses are actually required to carry. In fact, almost every state in the U.S. mandates that businesses carry some minimum level of workers compensation insurance. This type of insurance will offer coverage for an employee that gets injured or becomes ill while on the job. This type of insurance offers coverage for the injured worker’s medical treatment and lost wages. Additionally, this type of insurance can even cover the company’s legal fees, should the injured employee decide to sue for damages.

These are some of the essential insurance coverages that your small business needs. Looking for assistance with your commercial coverage? Then do not hesitate to contact the experts at Mayer Insurance in Apple Valley, Minnesota to get started today

Just married? Here is why you need life insurance.

As a newly married couple, buying life insurance is probably the last thing on your mind. Even though you just spoke the words “until death do us part,” you might be convinced that it is so many years away. You are young and healthy, so do you need to be worrying about life insurance right now? In reality, now is the perfect time to purchase life insurance. Here is why.

You both have loans.

You may be grown up, but those student debts are still hanging over your head. If your spouse died before the loans are paid off, you are responsible for their debt. This amount could be as much as a new home (or more!). Life insurance can help to pay off outstanding debt that either of you have so that the living spouse can retain the same quality of life.

You rely on teamwork.

Whether both spouses earn an income or one is the primary wage earner, both people provide value to the marriage that would need to be compensated in the event that one spouse died. It is important not to underestimate the stay-at-home spouse since the working spouse would need to pay for cleaning services and more if the other one passes.

You want children.

The costs associated with raising a child are astronomical. Life insurance can help provide for children when you are not here anymore. An ideal life insurance policy will provide for the child and leave money for the spouse to continue meeting financial obligations.

Life is unpredictable but preparedness can help ease the financial and emotional burden of traumatic and life-changing events. Although talking about end-of-life matters is not something you want to do with your new spouse, it is still incredibly important for achieving peace of mind for married couples.

After the honeymoon is over, couples begin the new adventure of building a life together. With this comes the opportunity to consider life insurance coverage to better protect each other.

Skip the search of finding the right life insurance provider for your needs. Visit Mayer Insurance in Apple Valley, Minnesota to secure your coverage today.

Determine how to set your college student up with quality insurance.

Parents – you have probably already bought electronics, dorm furniture, and numerous textbooks for your kid’s new living space at college. Although you may think you have all the essentials covered, there is one big topic you may have completely forgotten about – insurance. Consider these types of insurance policies to protect your student.

Renters Insurance

Your college kid goes off to college with a lot of supplies. With new electronics, TVs, laptops, and more, you want to be sure that these items are protected if they are damaged or stolen. If your child is living in college dorms, most likely your homeowners insurance will provide protection for their belongings while away from home (but check with your insurer). If he or she is not living in the dorms, renters insurance is a must!

Car Insurance

If you send your dependent child to college with a car, he or she should be able to remain on your existing family policy. However, if your child is going out of state, it is important to let your insurer know. It may change your rates a little, but it is important to keep your child safe. If your child is not covered under a family policy, they will need to purchase their own car insurance policy.

Health Insurance

Although your child may feel invincible, they are not. If your child is under 26 and on your health care plan, you may want to consider alternative coverage if he or she is attending school out of state and cannot find any in-network providers. They can seek coverage independently through the health insurance marketplace, which may be the most affordable option. Better yet, if he or she has an auto and renters insurance policy, opt to bundle coverages with the same insurer for a discount.

With the right insurance in place, your college student is ready to take on the world! For more information on hassle-free policies, contact Mayer Insurance in Apple Valley, Minnesota today. We can help find the right coverage for your child’s needs.

Keep your business in the green with these tips.

The U.S. Small Business Administration (SBA) cites poor credit management, lack of money, and personal use of business funds as some of the top reasons why small companies fail. Businesses that lack money to cover basic expenses such as rent and payroll can quickly spiral into delinquency, or worse, bankruptcy. Whether or not your business is near the red, you will want to keep it healthy and out of debt. To ensure the overall financial health of your small business, check out these useful tips.

Rework Your Business Budget
Before attacking business debt, get a handle on your current financial situation. Revisit your financial plan and adjust for unexpected changes in cash flow. Whether you work with professionals or use accounting software, tracking money flowing in and out of your business will help you to grasp a better understanding of what you need to adjust.

Focus on People
If a once-successful business is beginning to struggle, it is almost always a people-related issue. It is likely that somewhere along the way, something broke and now there is a disconnect between the owner’s concept and what people did with the concept. If you need to, retrain your team, improve policies, and assess how to improve customer engagement and experience.

Evaluate the Market
If you want to keep your business turning a profit successfully, it will need to meet current demands of the time. Thoroughly evaluate the marketplace of the proposed business including the competition, demand, and needs of the market. This can help you to assess the potential investment returns ensuring that you know when the proprietorship is likely to remain viable.

As always, having the right insurance is also an important part of keeping your business safe. For the protection your business needs, contact Mayer Insurance in Apple Valley.

Is it worth getting life insurance as you get older?

You may have heard that those who are over the age of 50 do not need life insurance and that this type of coverage is only for those who have young children who are depending on their income. In many cases, those who are 50+ end up cancelling their life insurance policy – but this could turn out to be a big mistake.

In truth, people of any age can benefit from life insurance, including those who are over 50. Even if your children are grown, living on their own, and are no longer depending on your income, there are plenty of reasons to keep your life insurance policy in place. Here are a few reasons why!

Final Expenses
Regardless of what age you are, a funeral can be expensive. Today, funerals can easily exceed $10,000, leaving the deceased’s family in a financial bind while grieving. If there are final medical and hospice costs that are also incurred, this could add significantly to the total.

Estate Taxes
Estate taxes are another potential area of concern for those who are over age 50. For those who are faced with having to pay estate tax upon death, this can erode up to 50 percent or more of the assets. If there is no plan in place, such as life insurance proceeds, survivors could end up selling off other assets to come up with the cash needed.

Business Succession
Life insurance can help business owners who are over age 50 to use as a business succession tool. Life insurance can be used to keep a company running while a replacement owner or partner is secured, or while a suitable buyer for the business is found.

Ensure that you leave your family with the right support by securing reliable life insurance. Contact the team at Mayer Insurance in Apple Valley, Minnesota to get started on your tailored coverage today.

How to understand your car insurance quote.

If you are familiar with auto insurance jargon, then you are likely to understand your car insurance quote with no problems. If you are not familiar with such terminology, then understanding coverage may be a bit of a headache. Decoding your auto insurance quote can help you to secure the right coverage for your needs. Here is what you should know.

Liability Coverage
There are two types of liability coverage in your insurance policy:

  • Property damage – safeguards your assets if you are found at fault for a covered accident. Coverage helps to pay for certain damage you cause to the property or vehicle of another party.
  • Bodily injury – protects your assets if you are found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by other parties.

The minimum amount of Minnesota auto insurance coverage is $30,000/$60,000/$10,000. In the event of a covered accident, your limits for bodily injury are $30,000 per person, with a total maximum of $60,000 per incident. It also covers up to $10,000 for damage to another person’s property.

Uninsured/Underinsured Motorist
This coverage protects you in the event of an accident where another party is found to be at fault and either doesn’t carry insurance or is underinsured.

Personal Injury Property (PIP)
This coverage reimburses a portion of wage loss, medical expenses, and essential services incurred as a result of an accident to injured parties, such as passengers or pedestrians.

This coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents, such as theft, fire, vandalism, and accidents with animals.

Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object.

The deductible is the amount you pay out of pocket before your insurance starts paying. If you have a $500 deductible, and you make a claim for $2000, you must pay the first $500, and then the insurance company will pay the $1,500.

Get started on securing the right auto insurance for your needs by contacting the professionals at Mayer Insurance, serving Apple Valley in Minnesota and surrounding areas.

How your vehicle impacts your auto insurance.

Determining your car insurance premium is a complex calculation. As well as the type of vehicle, insurance underwriters consider factors such as the statistical risks associated with your age, occupation, address, and driving history. The vehicle’s value plays a part in this calculation. In some cases, it will influence your premium significantly, in other instances less so. When you are shopping for your next car, it is also important to consider how your vehicle will impact your insurance.

Intuitively, you might expect that new cars would be more expensive to insure because they have a high market value and can be pricier to repair in the event of an accident. However, certain factors drive down new car insurance rates. New car insurance can often be cheaper because of increased safety features. From blind spot detection to lane-keeping assist to a rear-view camera, safety features can help drivers to stay safe on the roads. Since car insurance rates are determined partly by the expected damage to your vehicle, having modern safety features lowers your rates.

Almost all cars depreciate in value, and an insurance payout in the event of an incident is likely to reflect that fact. If you have a loan or a lease on a new car, you can benefit from securing gap coverage. Although it will raise the premium price somewhat, it can save you from financial disaster if your new car gets totaled in an accident. Gap coverage protects you from paying the balance between your car’s actual cash value (the estimated value) and how much you still owe on your loan.

Having the right car insurance policy can protect your vehicle, family, and finances. When you are ready to shop for your new or first policy, you will want to find the right insurer for your needs. Talk to the team at Mayer Insurance to find out how to get affordable and quality auto insurance.

Keeping the outdoor areas of your business safe.

Many business owners are concerned with protecting their business from the indoors out. However, protecting your business from the outside first will minimize the risk of theft or damage to the inside. It makes sense, right? For your business, it is important to protect your outside property as well as the interior equipment, documents, and other important items. When you protect your business, do not forget about these outdoor items.

Offsite equipment: Does your business have expensive equipment? Items such as a sound system or machinery are often transported to jobs offsite should be insured in case of damage or theft.

Outdoor property: You may have some property that you always store outdoors and would cost more to replace than your business owner’s policy could cover. Everything from your satellite dish to fencing to the antennae can be covered. This coverage can also help to cover the expenses associated with heaters, tables, and chairs from perils.

Landscaping: Your outdoor area may be home to a rock garden, a succulent garden, trees, and water features. Protecting this investment is just as important as protecting your tables and chairs. These items can be protected against theft, vandalism, and certain storm damage.

Exterior signs: You may want to consider adding these items to your business owner’s policy to ensure that if they are damaged in a storm or another listed peril, they can be repaired and replaced.

The best way to protect your property is to secure your premises. Lock everything up each night, install security cameras, and add extra lights where and when you can. These elements strongly deter thieves from entering the property, let alone vandalizing or stealing from it.

As always, having the right insurance is also an important part of keeping your business’ outdoor spaces safe. For the protection your business needs, contact Mayer Insurance in Apple Valley.

Prepare this information when looking to secure car insurance.

As you are shopping for car insurance, you might wonder why insurers need certain information. You may even think that you have stumbled across a scam or faulty site. In actual fact, auto insurers often need sensitive information that you may not have prepared. Here is what you should have on hand.

  • Social Security Number (SSN)
    While you are not required to disclose your SSN just to get a car insurance quote, your quote may not be as accurate if you refuse. A large rating factor in nearly every state is your credit-based insurance score. Insurers need your SSN in order to calculate that number.
  • Your Vehicle’s Identification Number (VIN)
    You may have already entered your car’s year, make, and model, so why do you need to provide a VIN, too? Your vehicle’s VIN is its serial number, and each number and letter represent a specific piece of information about your car. You will get a more accurate quote if you provide the VIN as it will tell the insurer if there are any specific features that could save you money, such as anti-theft devices, car alarms, and side airbags.
  • Your Annual Mileage
    Do a quick calculation of how much you are on the road – and be honest about how much you drive. The more you drive, the more at-risk you are for getting into a crash or having to file any other type of claim.

Having the right car insurance policy can protect your vehicle, family, and finances. When you are ready to shop for your new or first policy, you will want to find the right insurer for your needs. Talk to the team at Mayer Insurance to find out how to get affordable and quality auto insurance.

To-do tasks before you move.

Are you about to move from your current rented space into a new rented space? If so, you may think that what lies ahead is an easy move and quick exchange of keys. However, there is much more to the move than that. From preparing your old space to getting ready for your new space to staying insured, here are the top things to do!

Despite best planning efforts, logistical issues are surprisingly common when people are moving familiar belongings into an unfamiliar space. Be sure that you know the dimensions of a room and the size of your furniture so that you can plan the space accordingly. Generally, it is a good idea to know which pieces will go into which rooms so that you can move furniture into the right places immediately.

Make Reservations
If you are going to be moving into a multi-story building, it is a good idea to make arrangements ahead of time with the building’s management team. You may need to reserve the elevator. This is not something you want to land on them the morning of the move, especially if it is the last Saturday of the month and five other people are moving into the building, too.

Document Your Space
Before settling into your space, pull out your phone and take pictures of any damage such as scuffed floors, chipped countertops or bent window blinds. Send the photos to yourself so that they are date-stamped. Having pictures are great references if any issues come up with the apartment’s condition.

Stay Insured
Most renters know that protecting their property with renter’s insurance is important, but many forget to update their policy when they move to a new residence. Renter’s insurance does not just protect your belongings, it also covers damage that you do to the building, too. Contact your insurance company before you move. It is an easy call to make and it will mean you enjoy the benefit of staying protected throughout the move!

Skip the search of finding the right renter’s insurance policy for your needs. Visit the team at Mayer Insurance in Apple Valley, Minnesota to get started on your tailored coverage today.

How the location of your property affects your home insurance premium.

There are many factors that influence your homeowners insurance rate. However, some influence your rate much more than others. One that significantly impacts your premium is your home’s location. So that you are aware of how this influences your rate, read on.

Home insurance rates can and do vary from region to region, and sometimes from neighborhood to neighborhood. Your neighbor who lives across the street and has a similar home and property to yours may have a completely different home insurance premium. A good example of this is that your neighbor lies outside of city limits and is served by the volunteer fire department, whereas your property is serviced by a professional fire department. In this case, there is a risk of more damage from a fire to the house outside of city limits because of the longer response time to their local fire department. Generally, this homeowner will pay a premium that reflects this higher level of risk.

Additional factors besides being close to the fire department come into play, too:

  • Does your neighborhood have a history of frequent claims? From break-ins to likely catastrophic weather events, if your neighborhood is known for filing claims, your home insurance premium could rise. Most insurance companies use zip codes when utilizing these factors.
  • Is the surrounding area hazardous? Homes that are surrounded by a wood, brush, and other flammable items may increase the likelihood of a loss. As a result, your insurance premium could rise.
  • Is there a high rate of crime? As you may expect, if crime rates are high (or even slightly above average), then you can expect to pay more in insurance.

Skip the search of finding the right homeowners insurance policy for your needs, visit the team at Mayer Insurance in Apple Valley, Minnesota to get started on your tailored coverage today.

Storm damage prevention for your property.

Spring is here and with it comes the likelihood of rainstorms. Your home protects you from the elements, but heavy rain can certainly weaken that protection. With a little maintenance, you can stay on top of your home’s protection when the storms hit. Check out these tips below.

Clear out the gutters – Your home’s gutters and downspouts help direct water away from your property. Clear your gutters of leaves, twigs, and dirt that may have accumulated over winter. A build-up of debris can stop the flow of water to the drains, which leads to overflowing. Be sure that the downspouts are directed away from the home’s foundation, too.

Check the sealant – Make sure that any gaps or holes in the sealant surrounding your doors and windows are filled in. This will stop rain from seeping in, and regular maintenance will greatly reduce the impact of sealant erosion.

Inspect the roof – If possible, check the roof for damage before a storm arrives, or hire a professional to do it for you. You should be on the lookout for soft spots, missing shingles, damaged flashing, and any curves or dents that appear to be out of the norm. It is well worth getting your roof in good condition before the downpour.

During a rainstorm, stay inside and keep an eye out for any signs of water in the crawlspaces, walls, and ceilings. Now is not the time to check your roof and clean your gutters! A little preparation beforehand will give you the peace of mind that your home can weather the storm.

Skip the search of finding the right homeowners insurance policy for your needs, visit the team at Mayer Insurance in Apple Valley, Minnesota to get started on your tailored coverage today.

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