Commercial Lines

Furloughed Payroll

COVID-19: Auto-Owners Insurance & Furloughed Payroll 05/01/2020 Auto-Owners recognizes that many businesses are in a situation where they are paying their employees furloughed wages, meaning they are doing no work for the business and are not located at the businesses premises. Auto-Owners plans to give consideration to this payroll for their workers compensation, commercial general […]

Protect Your Vacant Property

Protect Your Vacant Property

Simple Steps To Protect Your Vacant Property Because of the COVID-19 pandemic, many businesses are left unattended and vulnerable. During this time, we urge you to take precautions to protect your vacant property & business.  Whether it’s your shop, restaurant, bar, school, salon, or even just your second home – vacant properties are a target […]

Why Choose An Independent Agent?

Why Choose T&C?

Town & Country Insurance | Why Choose An Independent Agent Not all insurance agents are the same! Choosing the right one can make a big difference – in options, service, and value. While some (captive) agencies have one company that sells one brand of insurance, an independent insurance agent gives you choices. Independent agencies like Town […]

Five Questions To Ask Your Agent

Five Q's to ask your Agent

Make Your Insurance Work For You Most people haven’t even looked at their policy in detail, let alone read it through front to back. I get it, it can be daunting – they use weird words and “insurance lingo” that just sounds like gibberish. That’s what your agent is for right? Yes… and no. Yes […]

What Covers It?

What Covers It?

You haul trailers, fish houses, campers & more… …But what covers it in the event of an accident? First, it is important to differentiate between Personal Auto insurance and Commercial (Business) Auto insurance. There are different answers, depending on the use of the property. You’ve probably been told that a trailer being hauled is typically […]

NEW MN Employer Law Changes Eff. 7.1.19

MN Wage Theft Law Update 2019

Minnesota’s New Wage Theft Law This new law amends existing MN state labor laws, and provides for new wage & hour requirements, protections & sanctions. While there has been little publicity surrounding the change, MN Employers are required to be in compliance effective July 1, 2019. Below is a summary of the changes outlined on […]

Are you a Contractor bidding on jobs?

Are you a Contractor bidding on jobs?

If you’re a Contractor or Sub-Contractor bidding on a job, be sure to ask  for a copy of the contract BEFORE submitting your bid. All too often, the contract requirements for insurance are overlooked initially. This can be the difference between a profitable job, or not. When you receive the contract, submit it to your […]

Insurance Premium Scam Alert!

Scam Alert

Scammers Are Impersonating Insurance Companies & Agents Recently, a customer of ours was contacted by a scammer who was impersonating an insurance company representative. The scammer insisted the customer’s policy was going to cancel if they did not pay (over the phone) immediately. Thankfully, this raised a red flag with the customer. They contacted their […]

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