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Heath Insurance In Minnesota For Small Business Regulations

Posted on: July 30th, 2013 by tpeddyco
0

http://www.HealthCareSite.org . It has been very effective in helping employees better understand what’s going on with their benefits. understand their benef…

Key person life insurance to protect your business and employees?

Posted on: December 2nd, 2012 by tpeddyco
0

Do you have Key Person life insurance?

What would happen to your business if a or the key player were lost to untimely death?

According to a recent survey of 1,098 senior managers conducted recently by the American Management Association, only 14% reported that their companies were prepared for the loss of a key player.  How about your company? Are you prepared to weather the loss of a key player on your leadership team?  At bare minimum, you should consider a key man or key person life insurance policy.

As time passes, the company will grow and hire employees who depend on the success of the business to pay salaries that support their families.  Your businesses sustainability may directly or indirectly impact many families.

Significant property loss is covered under business insurance, but what would happen if an owner or important employee is injured or passes away? Only 20 percent of all businesses survive the loss of a key player. Four out of every five businesses that suffer such loss will go out of business within three years. Some will close the doors of the business immediately.

A key person life insurance policy will protect your company from the untimely death of a valued manager, executive, sales person, co owner or partner.

A comprehensive policy will also include disability insurance in the event the insured is unable to perform his or her job because of sickness or injury. Typical candidates for a key person life insurance policy include employees whose skills, experience, knowledge and/or contacts are critical to your company’s ongoing success.  Using proceeds to buy out a partners interests or shares in the business or pay the heirs the portion of the business that was owned by the partner.

In the event the key person insured is disabled or injured, benefits from the policy are disbursed to the company.  Key person life insurance policies are generally used to cover any short-term revenue deficits that result from the loss of the key person’s services. Key man benefits can also be used for any expenses involved in recruiting, hiring and training a replacement.

Key person life insurance is typically sold as an equity-building whole life policy.

The company, not the individual insured, owns the policy and is the named beneficiary. In some instances, the premiums on a key man policy can declared as a tax deduction by the company, but only if those premiums are charged to the insured individual as taxable income. To make this more attractive for the key man, companies often use the cash value of the policy as a retirement benefit carrot to encourage the valued employee to hang in for the long-haul.

By law, in most instances and with only a couple specified exceptions, the employee being covered must be notified in writing that: a) you intend to insure his or her life; b) what the maximum face amount of the policy is at issue and; c) that the company/employer is the named beneficiary of any death benefits. You, the employer, must secure that key person life insurance has written consent.

A business without plans for the inevitable future loss of a key person puts a lot at risk.   Key person life insurance are usually a real bargain – especially after the fact.  Check the prices on a key person life insurance policy today and know everything will be okay.

This may be the most important gift you will ever give.

Posted on: November 29th, 2012 by tpeddyco
0

 

Youth Plus Term is a parent’s, grandparent’s or other loving relative’s gift that provides future security for the children they love. Youth Plus Term, a small face term life insurance policy, provides two-stage lifetime insurance protection.
Youth Plus Term features the following:

 

  •  Death benefit options of $5,000, $7,500, $10,000 or $20,000
  • One single premium or two year payment plan available
  • Convertible at age 25 to a permanent plan being offered by EMCNL, up to $25,000 without evidence of insurability
  • Guaranteed Insurability Option Rider can be purchased if converted to a Universal Life policy, without evidence of insurability;
  • $150,000 total coverage available by purchasing $25,000 at ages 28, 31, 34, 37 and 40
  • Pay one low price once and the loved ones will be covered till and able to convert at 25

 

Surprisingly Affordable Low One Time Premium and its paid till they are 25!

 

Premium Plans
Single Payment Plan  Two Year Payment Plan
Amount Available Premium Annual  Semiannual  Quarterly  Monthly  Check Plan
$5,000                                         $225    $124.59          $64.79      $33.02     $10.80
$7,500                                         $325    $179.97          $93.58      $47.69     $15.60
$10,000                                       $425    $235.34         $122.38     $62.37     $20.40
$20,000                                       $825    $456.84         $237.56     $121.06   $39.61
Credit card payment accepted**

 

Must Know Business Insurance Shopping Strategies

Posted on: October 2nd, 2012 by tpeddyco
1

Business Insurance Shopping Strategies

You obviously want to get the best deal on your business insurance.  However, shopping around talking to a bunch of agents who may or may not be knowledgeable in commercial insurance, looking for a bunch of companies that may not even be interested in offering business insurance for your line of business.  Some companies specialize in certain areas or have a bigger appetite for certain businesses than others or are looking to expand in your area or cut back. There are many factors and reasons that can impact business insurance prices. The last thing you want to do – believe it or not – is shop around. This strategy seems to make sense and with most things it is best to shop around.  However, business insurance is not one of them. Only sites that collect and then sell your info to agents and companies think this is a good idea.

If you do any shopping it should be for an agent who has designations behind their name like CIC,AAI,or CWCS. Using an independent agent that has the designations means you are working with an experienced agent who knows something about commercial insurance. If you can find one who specializes in your line of business – even better. They will know the correct coverage and risks you may need to insure. Being independent means they generally represent many companies – not just one. So, they can find and offer you the best policy and price for you.

What most shoppers don’t realize when shopping around is many companies take the first quote that comes in from an agent and lock out any others.  You may be working with rookie Ron and he may not have you quoted correctly. When the underwriter sees things missing or something out of the ordinary they will get spooked and may not want the risk or won’t offer a discounts to get the business as they might with an experienced agent they know, like and trust.

Deciding on a higher deductable and buying a package policy can help to reduce how much you pay for your business insurance policy, however, the surest way to find a bargain is to first find a local experienced insurance agent or broker that you trust. If a site doesn’t have a phone number or a local number on it is a clue it may be just an info gathering site. These sites look good and promise easy quotes and encourage faulty moves like getting quotes from many agents and companies. Being able to work closely with your commercial independent insurance agent means you should be able to get the best insurance policy for your company for the best price. If you’re new to it, you don’t need to entirely learn how large and small business insurance works. You just need to avoid the trap aggregate sites set for you and find a good local independent agent on your team. It is what successful and wise business owners do.  They have a good team on their side that includes an expert agent who can protect their business and save them money.

Visit our blog for the best education and need to know tips http://businessinsurancemn.com/business-insurance-mn-blog

 

See How Much You Can Save On Your Business Insurance!

Minnesota Small Business Insurance

Posted on: September 26th, 2012 by tpeddyco
0

Minnesota Small Business Insurance

If you have a small business in Minnesota, you will want to consider working with and getting quotes from just one local independent agency. Why? Because working with more than one or trying to get all kinds of quotes to compare quickly from all over the internet is a big common mistake.

Here’s why… You will want to work with a local independent agency as they will know which insurers doing business in Minnesota offer policies for your business and which ones will have the best prices. You also don’t have to spend hours talking to a bunch of agents. Depending on factors like how much of a certain line of business an insurance carrier has on its books can determine if they have any interest or how much interest. Insurers like to spread their risk and also have to make sure their reserves are in line with their risks. An experienced agent will know where to go and how to approach the underwriters to get you the coverage and the best prices.

Some insurers may not have underwriters capable of underwriting certain risks. So, they will avoid them. There are a ton of reasons why a carrier may or may not want to insure your business. They may have a real appetite for your type of business or may not want anymore. A local independent agent will likely know which ones to submit quote requests. Submitting to companies with no interest in your line of business will just slow the process.

Commercial insurance is not like auto insurance where you can get a bunch of quotes and compare. It actually can impair and slow the process. If you have many agents getting quotes for it can really impair the process and results. Most companies will only accept one quote request for a business and generally, it will be from the agent who submits it first. Other agents will be locked out. If an underwriter see’s more than one quote request come in for a business – they will wonder how serious a business is about getting quotes and if the company will get the business. Many underwriters are busy and will have concerns that they will do a bunch of work underwriting a business just to have their quote used as a negotiation for lower quote from another company.

Unlike auto and home insurance – commercial insurance can be negotiable, which is one of the reasons using just one agent – an experienced agent who knows how to negotiate and has relationships with local underwriters – can be a huge advantage. Underwriters feel more comfortable when they are working with an agent they know and like and is also familiar with certain classes of businesses and their risks.

Minnesota Small Business Insurance – We currently offer a range of small business insurance coverage, which includes professional liability insurance, general liability insurance and workers’ compensation insurance. Our agents are not only certified work comp advisors and specialists, they also specialize in certain areas of business – like trucking for example. We have agents who know trucking, truckers, truck insurance and companies that offer truck insurance. They know the underwriters at these companies. Same thing for contractor’s – we have agents who work mainly with contractor’s. It’s a huge advantage to specialize.

We offer Minnesota small business insurance across the state. Our insurance products have been fully approved by the Minnesota Department of Insurance and are underwritten by Insurance Specialists Team internally and then submitted to the carriers that offer the best Minnesota business insurance. The Insurance Specialists Team knows Minnesota business insurance. Our agents are all certified workers’ compensation specialists. The reason this is a big deal is because it is estimated that over 50% of businesses overpay for their work comp due to mis-classification and other errors. Working with a specialist can save a ton on workers comp just by having it written it correctly and by auditing your work comp.

You don’t have to spend your time talking to a bunch of agents trying to figure everything out when you use a local independent agent. For you Minnesota Small Business Insurance 763-360-9335

 

 

 

Savings List for AAA MN/IA Members

Posted on: September 15th, 2012 by tpeddyco
0

Use your AAA Member card and save at these places below.  These savings alone make purchasing a AAA membership an absolute bargain.  It would be almost impossible not to get at least double the cost of your membership back with just the savings below.  The added piece of mind a AAA Membership brings to a Minnesota winter is well…just call 763-390-4872 and get one now while they are on sale.  You can add associates at a super bargain and give the membership as a gift. Call Now.  763-390-4872.
Discounts Look for this symbol at participating retailers                                        

 

Do you go to or use any of these businesses?

 

1-800-Flowers.com

1-800-GOT-JUNK?

4th Street Auto Repair (Approved

Auto Repair)

A

A & A Auto Services (Approved Auto

Repair)

A & C Automotive & Machine Inc. (Approved Auto Repair)

AAA Auto Buying Program

AAA Deposit Program

AAA Discounts iPhone App

AAA eTravel Store

AAA Member Rewards Visa®

AAA Prescription Savings Program

AAA Savings Directory AAA Vision Savings Accommodations 866.222.7283

Ace Auto Doctor & Repair (Approved

Auto Repair)

Acorn Mini Storage Action Moving Services Advanced Auto Service, Inc.

(Approved Auto Repair)

Advanced Exxon AutoCare

(Approved Auto Repair) Advanced Garage Door Adventureland Amusement Park Airlake Automotive Repair (Approved

Auto Repair)

Albertville Premium Outlets American Express Travelers Cheques

Amtrak

Andy’s Service (Approved Auto

Repair)

Anytime Fitness

Atlas Van Lines / Smart Move

Auto Repair Service (Approved Auto

Repair)

Auto Safety Magnets

Automotive Electric Inc. (Approved

Auto Repair)

Autotronics (Approved Auto Repair) Autoworks Automotive Service Center (Approved Auto Repair)

B

Banana Republic Factory Store Bark Busters Home Dog Training Barnes & Noble.com

Bath & Body Works Online

Beck’s Auto (Approved Auto Repair) Best Western

Blue Nile

Blue Velvet Car Wash

Boler Express Car Wash

 

Bonfe’s Auto Service (Approved Auto

Repair)

Brausen Family Repair Center

(Approved Auto Repair) Broadway in Chicago Brunswick Zone

Burnsville Motors Select Cars and

Trucks (Approved Auto Repair) Butch’s Automotive Inc. (Approved

Auto Repair)

Butterfield Blooms

C

CARFAX

Carlson Auto (Approved Auto Repair) Casper’s Cherokee Sirloin Room Cheryl’s

Chicago Fire Soccer Club

Chicago White Sox

Chumbleys Auto Care (Approved

Auto Repair)

Clipperton’s Auto Repair (Approved

Auto Repair)

Cloquet Service Center (Approved

Auto Repair)

Consumer Reports Magazine Online Consumers Relocation Services Cookies By Design

Courage Center

Courtyard by Marriott

Crystal Lake Automotive (Approved

Auto Repair)

D

Darrick’s Preferred Auto (Approved

Auto Repair) Dell Online

DeWall’s Service Center (Approved

Auto Repair)

Dewey Ford (Approved Auto Repair) Dick’s Valley Service, Inc. (Approved Auto Repair)

DIRECTV

Dolphin Car Wash & Detail Center

Don’s Car Wash Downtowner Car Wash Duggan’s Auto Service Center

(Approved Auto Repair)

Dunham’s Sports

E

Elmquist Auto Care Group (Approved

Auto Repair)

Elysian Auto Service (Approved Auto

Repair) Embassy Suites Exact Eye Care Executive Express EZ Air Park

 

F

Fairfield Inn

Fannie May Chocolates Online FastFrame Expert Picture Framing FireEar

Flowers Tire One (Approved Auto

Repair)

Forest Lake BP (Approved Auto

Repair)

FormulaOne LLumar

Freeway Auto Center (Approved

Auto Repair) FTD.com Fuel Savings

G

Gap Outlet Geek Squad GNC.com Godfather’s Pizza Gold’s Gym GolfTEC

Gopher Mini Storage

Gopher Outdoor Storage

Granite City Tire & Auto (Approved

Auto Repair) Gray Line Tours

Great Lakes Aquarium

GreatCall

Grout Museum District

Gunderson’s Jewelry

H

Hampton Inn Hampton® Harland Clarke HearPO

Heppner’s Auto Wash

Heppner’s Woodbury Auto Wash Hermantown BP – Amoco (Approved Auto Repair)

Hertz Car Rental Hertz Car Sales Hicklin Garage Doors

Highway 10 Mobil & Towing

(Approved Auto Repair) Hilton Garden Inn

Hilton Hotels

Hilton Worldwide Hit Show Club Homewood Suites Hour Detroit Magazine Hyatt Place

HyTech Automotive of Princeton

(Approved Auto Repair)

I

iBuyOfficeSupply.com

Inter-Tech Collision Centers

 

InterNatural.com

J

J.M. Auto Service (Approved Auto

Repair)

JCPenny Online

Jon Hassler Theater Jos. A. Bank Online Junie’s Restaurant

K

K/J Auto Service (Approved Auto

Repair)

Keck’s Repair (Approved Auto

Repair)

Kennedty Transmission – Elk River Kennedy Transmission Brake & Auto Service (Approved Auto Repair)

KJ Auto Service (Approved Auto

Repair) Kmart.com Kohls.com

Kremer Spring, Alignment & Body

(Approved Auto Repair)

Krueger BP (Approved Auto Repair) Kurgo.com

L

LaMettry’s Collision (Approved Auto

Repair)

Landry’s Seafood Restaurants

LensCrafters

Linder Tire Service

Line-X

London Road Car Wash Lonsdale Auto Works (Approved Auto Repair)

M

Magellan

Marriott Conference Center Marriott Hotels and Resorts Marshall-Cretin Service Center

(Approved Auto Repair)

Mattress Giant

Members on the Go Wireless Mike’s Tire One (Approved Auto Repair)

MinneHaHa Comedy Club Minnesota Children’s Museum Minnesota Landscape Arboretum Minnesota Opera

Minnesota Swarm Minnesota Wild Hockey Minnesota Zoo

Modell’s Sporting Goods

Moorman Clothiers

N

 


Discounts as of 9/20/2011 Look for this symbol at participating retailers

Table of Contents

 

NAPA Naturalizer.com Navy Pier

NBA Store Online Nebraska Famous Steaks New York & Company Newport Audiology Centers NFL Shop Online

Niagara Falls Adventure Pass No Fee Travelers Cheques North Branch Outlets

North Suburban BP Inc. (Approved

Auto Repair)

O

OfficeFurniture.com

OfficeMax.com

Onamia Service Center (Approved

Auto Repair)

Otsego Autocare Goodyear

(Approved Auto Repair)

P

Paramount Goodyear (Approved

Auto Repair)

Payless ShoeSource Pear’s Gourmet Pearle Vision

Penske Truck Rental Perfect 10 Car Wash Pet Assure PetSmart.com

Pike Lake Golf & Recreation Club

PlanetFone

Plaza Tire & Auto (Approved Auto

Repair) PODS

Precision Auto Repair (Approved

Auto Repair)

Precision Tune Auto Care

Premier Automotive Service Center

(Approved Auto Repair) Premium Outlets Professional Drivers Inc.

R

R & S Automotive Inc. (Approved

Auto Repair)

Rainbow Dry Cleaners & Laundries

Rapid Key Recovery

Reebok Outlet and Rockport Outlet

Stores

Renaissance Hotels

Residence Inn

Rhoden Auto Center (Approved Auto

Repair)

Rick’s 36 Automotive (Approved Auto

Repair)

S

 

Saint Paul Automotive (Approved

Auto Repair) Samsonite

Sanderson Auto & Truck Repair

Albert Lea (Approved Auto Repair) Sandstrom Auto & Truck Repair

Cannon Falls (Approved Auto

Repair)

Sapp Brothers Truck Stops Scott’s Automotive Service Inc (Approved Auto Repair)

Sears Optical

Sears.com

SeaWorld Parks & Entertainment Sergeant Peppers Auto Shop, Inc. (Approved Auto Repair)

Service Garage of Blaine (Approved

Auto Repair)

Shade Tree Auto (Approved Auto

Repair)

Sheraton Hotels & Resorts

Shoes.com

Shop.NHL.com

Shoreview Diagnostic Center

(Approved Auto Repair)

Signal Garage (Approved Auto

Repair) SiriusXM

Slim’s Woodshed (Approved Auto

Repair)

Smith & Nielsen Auto Service

(Approved Auto Repair) Snap Fitness

Southside Towing & Recovery, Inc.

(Approved Auto Repair) Speltz Auto Center Towing

(Approved Auto Repair)

SpringHill Suites

Starwood Hotels & Resorts

Sueppel’s Flowers

Sunray BP (Approved Auto Repair) Superior Mechanical and Collision Center (Approved Auto Repair)

SuperShuttle®

Sylvan Learning Centers

T

T-Mobile

T.O. Haas Tire (Approved Auto

Repair)

Tanger Outlets Target Optical Target.com

The Children´s Place

The Pet Protector

The Ponds Golf Course

The UPS Store

Thompson T. Express (Approved

Auto Repair) Tires Plus

Tom Clusiau Sales & Rental

(Approved Auto Repair)

 

Town Centre Self Storage

TownePlace Suites

Trail of Terror

Travel Centers of America & Petro

Stopping Centers

U

Ultimate Car Care (Approved Auto

Repair)

Universal Orlando

Universal Orlando – Blue Man Group Universal Studios Hollywood University Moving and Storage

V

Vadnais Heights BP (Approved Auto

Repair)

Valley AutoHaus (Approved Auto

Repair)

Valvoline Instant Oil Change

Vera Bradley

Victory Auto Service (Approved Auto

Repair)

Village Auto & Transmission

(Approved Auto Repair)

Village Auto Works (Approved Auto

Repair)

Visa TravelMoney Card

Vista Window Film

W

Walker Ford (Approved Auto Repair) Westside Auto Pros (Approved Auto Repair)

White Florist

Wiley Touchless Carwash Wisconsinmade.com World Market

Z

Zales.com

 


Discounts as of 9/20/2011 Look for this symbol at participating retailers

Minnesota Iowa offers

 

AAA APPROVED AUTO REPAIR-Save at least

5% on all parts and labor

4th Street Auto Repair (Approved Auto Repair)
Duluth

A & A Auto Services (Approved Auto Repair)
Burnsville

A & C Automotive & Machine

Inc. (Approved Auto Repair)

Ace Auto Doctor & Repair (Approved Auto Repair)
Bettendorf

Advanced Auto Service, Inc. (Approved Auto Repair)

Iowa City

Advanced Exxon AutoCare (Approved Auto Repair)
Arden Hills

Airlake Automotive Repair (Approved Auto Repair)
Lakeville

Andy’s Service (Approved

Auto Repair)

Anoka

Auto Repair Service (Approved Auto Repair)
St. Paul

Automotive Electric Inc. (Approved Auto Repair)
Waterloo

Autotronics (Approved Auto

Repair)

Mankato, St. Peter

Autoworks Automotive Service Center (Approved Auto Repair)

Woodbury

Beck’s Auto (Approved Auto

Repair)

Andover

Bonfe’s Auto Service (Approved Auto Repair)
Saint Paul

 

Brausen Family Repair Center

(Approved Auto Repair)

Arden Hills, Roseville

Burnsville Motors Select Cars and Trucks (Approved Auto Repair)

Burnsville

Butch’s Automotive Inc. (Approved Auto Repair)
Ames

Carlson Auto (Approved Auto

Repair)

Cottage Grove

Chumbleys Auto Care (Approved Auto Repair)
Indianola

Clipperton’s Auto Repair (Approved Auto Repair)
St. James

Cloquet Service Center (Approved Auto Repair)
Cloquet

Crystal Lake Automotive (Approved Auto Repair)
Lakeville

Darrick’s Preferred Auto (Approved Auto Repair)
Blooming Prairie

DeWall’s Service Center (Approved Auto Repair)
Proctor

Dewey Ford (Approved Auto

Repair)

Ankeny

Dick’s Valley Service, Inc. (Approved Auto Repair)
Apple Valley

Duggan’s Auto Service Center (Approved Auto Repair)
MOORHEAD

Elmquist Auto Care Group (Approved Auto Repair)
Ames

Elysian Auto Service (Approved Auto Repair)
Elysian

 

Flowers Tire One (Approved

Auto Repair)

Sauk Centre

Forest Lake BP (Approved

Auto Repair)

Forest Lake

Freeway Auto Center (Approved Auto Repair)
Duluth

Granite City Tire & Auto (Approved Auto Repair)
Sartell, St. Cloud

Hermantown BP – Amoco (Approved Auto Repair)
Hermantown

Highway 10 Mobil & Towing (Approved Auto Repair)
Coon Rapids

HyTech Automotive of Princeton (Approved Auto Repair)

Princeton

J.M. Auto Service (Approved

Auto Repair)

Eveleth

K/J Auto Service (Approved

Auto Repair)

Duluth

Keck’s Repair (Approved Auto

Repair)

Owatonna

Kennedy Transmission Brake

& Auto Service (Approved

Auto Repair)

Bloomington, Brainerd, Elk

River, Shakopee, Waite Park

KJ Auto Service (Approved

Auto Repair)

Duluth

Kremer Spring, Alignment & Body (Approved Auto Repair)
Inver Grove Heights

Krueger BP (Approved Auto

Repair)

West Des Moines

LaMettry’s Collision (Approved Auto Repair)
St Paul

 

Lonsdale Auto Works (Approved Auto Repair)
Lonsdale

Marshall-Cretin Service Center (Approved Auto Repair)

St. Paul

Mike’s Tire One (Approved

Auto Repair)

Coon Rapids

North Suburban BP Inc. (Approved Auto Repair)
Shoreview

Onamia Service Center (Approved Auto Repair)
Onamia

Otsego Autocare Goodyear (Approved Auto Repair)
Otsego

Paramount Goodyear (Approved Auto Repair)
Champlin, Hastings, Lakeville,

Rosemont, Woodbury

Plaza Tire & Auto (Approved

Auto Repair)

Alexandria

Precision Auto Repair (Approved Auto Repair)
Albertville

Premier Automotive Service Center (Approved Auto Repair)

Urbandale

R & S Automotive Inc. (Approved Auto Repair)
Little Canada

Rhoden Auto Center (Approved Auto Repair)
Council Bluffs

Rick’s 36 Automotive (Approved Auto Repair)
Stillwater

Saint Paul Automotive (Approved Auto Repair)
Saint Paul

Sanderson Auto & Truck Repair Albert Lea (Approved Auto Repair)

Albert Lea

 


Discounts as of 9/20/2011 Look for this symbol at participating retailers

Minnesota Iowa offers

 

Sandstrom Auto & Truck Repair Cannon Falls (Approved Auto Repair)

Cannon Falls

Scott’s Automotive Service Inc (Approved Auto Repair)
Des Moines

Sergeant Peppers Auto Shop, Inc. (Approved Auto Repair)
Davenport

Service Garage of Blaine (Approved Auto Repair)
Blaine

Shade Tree Auto (Approved

Auto Repair)

Grimes

Shoreview Diagnostic Center (Approved Auto Repair)
Shoreview

Signal Garage (Approved

Auto Repair)

St. Paul

Slim’s Woodshed (Approved

Auto Repair)

Harmony

Smith & Nielsen Auto Service (Approved Auto Repair)
Blaine, VADNAIS HEIGHTS

Southside Towing & Recovery, Inc. (Approved Auto Repair)

Bemidji

Sunray BP (Approved Auto

Repair)

St. Paul

Superior Mechanical and Collision Center (Approved Auto Repair)

Eagan

T.O. Haas Tire (Approved

Auto Repair)

Aurora, Beatrice, Central City, Colby, Fairbury, Hebron, Hiawatha, Hutchinson, Imperial, Junction City, Lexington, Lincoln, Medicine Lodge, Norfolk,
North Platte, Ogallala, Omaha, St. Paul, Tecumseh, Waverly

 

Thompson T. Express (Approved Auto Repair)
Duluth

Tom Clusiau Sales & Rental (Approved Auto Repair)
Grand Rapids

Ultimate Car Care (Approved

Auto Repair)

Inver Grove Heights

Vadnais Heights BP (Approved Auto Repair)
St. Paul

Valley AutoHaus (Approved

Auto Repair)

Northfield

Victory Auto Service (Approved Auto Repair)
Brooklyn Park, Fridley, Ham

Lake

Village Auto & Transmission (Approved Auto Repair)
Roseville

Village Auto Works (Approved

Auto Repair)

Roseville

Walker Ford (Approved Auto

Repair)

Walker

Westside Auto Pros (Approved Auto Repair)
Clive

AUTOMOTIVE

AAA Auto Buying Program
Get low upfront pricing with no haggling

AAA eTravel Store

Save 15%

Auto Safety Magnets

Save 15%

Blue Velvet Car Wash

Save 15%

Boler Express Car Wash

Save 10%

CARFAX

Save up to 20%

 

Courage Center

Save $20

Dolphin Car Wash & Detail

Center

Save 10%

Don’s Car Wash

Save up to 10%

Downtowner Car Wash

Save up to 20%

FormulaOne LLumar

Save 15%

Fuel Savings

Use AAA.com to compare fuel prices near you

Heppner’s Auto Wash

Save 15%

Heppner’s Woodbury Auto

Wash

Save 15%

Hertz Car Rental

Discount rates

Hertz Car Sales

Save $100

Inter-Tech Collision Centers

Save 5%

Kennedty Transmission – Elk

River

Save 5%

Linder Tire Service

Save 10%

Line-X

Save 10%

London Road Car Wash

Save up to 20%

Magellan

Save up to 50%

NAPA

Save 7%

Perfect 10 Car Wash

Save up to 20%

Precision Tune Auto Care

Save $10

Professional Drivers Inc.

Save 6%

 

Rapid Key Recovery

Save 10%

Sapp Brothers Truck Stops

Save on Gasoline

SiriusXM

Save up to 40% on your total purchase

Speltz Auto Center Towing (Approved Auto Repair)
Save 5%

Tires Plus

Save up to 10%

Valvoline Instant Oil Change

Save $5

Wiley Touchless Carwash

Save up to $2

ENTERTAINMENT & ATTRACTIONS

AAA Discounts iPhone App

iPhone app discounts

Adventureland Amusement

Park

Save $4

Broadway in Chicago

Save 20%

Brunswick Zone

Buy one get one free

Chicago Fire Soccer Club

Save 25%

Chicago White Sox

Ticket savings up to half off

DIRECTV

Save $200 on DIRECTV

GolfTEC

Save 10%

Gray Line Tours

Save 10%

Great Lakes Aquarium

Save on Admissions!

Grout Museum District

Save up to 50%

Hit Show Club

Save up to 50%

 


Discounts as of 9/20/2011 Look for this symbol at participating retailers

Minnesota Iowa offers

 

Jon Hassler Theater

Member savings

MinneHaHa Comedy Club

Save on admission

Minnesota Children’s Museum

Save $1

Minnesota Landscape

Arboretum

Save $1

Minnesota Opera

Save 10%

Minnesota Swarm

Save $20

Minnesota Wild Hockey

Save up to $18

Minnesota Zoo

Save up to $2

Navy Pier

Receive a Navy Pier Coupon

Book

NBA Store Online

Save $15 online

NFL Shop Online

Save 12% online

Niagara Falls Adventure Pass

Save 33% on 4 top attractions

Pike Lake Golf & Recreation

Club

Discount rate

SeaWorld Parks & Entertainment

Savings you’ll go wild over up to

10% off

The Ponds Golf Course

Save 10%

Trail of Terror

Member savings

Universal Orlando

Member Savings

Universal Orlando – Blue Man

Group

Special child rate

Universal Studios Hollywood

Save up to 10%

 

HOME & BUSINESS

1-800-GOT-JUNK?

Save 10%

AAA Deposit Program

Special Rates

AAA Discounts iPhone App

iPhone app discounts

AAA Member Rewards Visa®
Earn triple, double, or single point rewards

Acorn Mini Storage

Save 10%

Action Moving Services

Special Discounts

Advanced Garage Door

Save 10%

American Express Travelers

Cheques

Member savings

Atlas Van Lines / Smart Move

Save up to 60%

Consumers Relocation

Services

Save up to 64%

Dell Online

Save up to 10, 20, 30% or more

FireEar

Save $40

Geek Squad

Save up to 25%

Gopher Mini Storage

Save 15%

Gopher Outdoor Storage

Save up to 15%

Harland Clarke

Save up to 50%

Hicklin Garage Doors

Save 10%

Members on the Go Wireless

Special savings

Penske Truck Rental

Save up to 20%

 

PlanetFone

Save 10%

PODS

Save 10%

Sears.com

Save 5% online

Sylvan Learning Centers

Save up to 50%

T-Mobile

Special Discounts

The UPS Store

Save up to 15%

Town Centre Self Storage

Save upto 15%

University Moving and

Storage

Members savings

Vista Window Film

Save 15%

MOBILE COMMUNICATIONS

AAA Discounts iPhone App

iPhone app discounts

GreatCall

Great coverage. Great savings.

Members on the Go Wireless

Special savings

PlanetFone

Save 10%

T-Mobile

Special Discounts

PERSONAL SERVICES

AAA Prescription Savings

Program

Prescription Savings

AAA Vision Savings

Save up to 30%

Anytime Fitness

Save 10%

Exact Eye Care

Save 35%

 

GNC.com

Save 15% online

Gold’s Gym

Save 20% on dues

HearPO

Member Savings

LensCrafters

Save up to 30%

Newport Audiology Centers

Save 40%

Pearle Vision

Save up to 30%

Rainbow Dry Cleaners & Laundries

Save 10%

Renaissance Hotels

Discount rates

Sears Optical

Save up to 30%

Snap Fitness

Member savings

Target Optical

Save up to 30%

RESTAURANTS

Casper’s Cherokee Sirloin

Room

Save 10%

Godfather’s Pizza

Save 10%

Junie’s Restaurant

Save 10%

Landry’s Seafood Restaurants

Save 10%

Navy Pier

Receive a Navy Pier Coupon

Book

Travel Centers of America & Petro Stopping Centers

Save 10% on food & beverage

Universal Orlando

Member Savings

SHOPPING

Discounts as 9/2012 Look for AAA symbol at participating retailers  Minnesota Iowa offers

 

1-800-Flowers.com

Save 20%

AAA Deposit Program

Special Rates

AAA eTravel Store

Save 15%

AAA Prescription Savings

Program

Prescription Savings

AAA Vision Savings

Save up to 30%

Advanced Garage Door

Save 10%

Albertville Premium Outlets

VIP Coupon Book

Banana Republic Factory

Store

Save 10%

Bark Busters Home Dog

Training

Save up to $50

Barnes & Noble.com

Online discounts of up to 40%

Blue Nile

Save 10%

Butterfield Blooms

Save 20%

Cheryl’s

Save 10%

Consumer Reports Magazine

Online

Save up to 37%

Consumers Relocation

Services

Save up to 64%

Cookies By Design

Save 15%

Dell Online

Save up to 10, 20, 30% or more

DIRECTV

Save $200 on DIRECTV

Dunham’s Sports

Save 10%

 

Fannie May Chocolates

Online

Save 15%

FastFrame Expert Picture

Framing

Save 10%

FTD.com

Save 20%

Gap Outlet

Save 10%

Geek Squad

Save up to 25%

GNC.com

Save 15% online

Gunderson’s Jewelry

Save 20%

Harland Clarke

Save up to 50%

Hicklin Garage Doors

Save 10%

Hour Detroit Magazine

Member Savings

iBuyOfficeSupply.com

Save 5%

InterNatural.com

Save an additional 10% online

Jos. A. Bank Online

Save 20% online

Kmart.com

Save 5% online

Kohls.com

Save 15% online

Kurgo.com

Save 10% on pet products online

Magellan

Save up to 50%

Mattress Giant

Save up to 15%

Members on the Go Wireless

Special savings

Moorman Clothiers

Save 10%

 

Navy Pier

Receive a Navy Pier Coupon

Book

NBA Store Online

Save $15 online

Nebraska Famous Steaks

Save 10%

New York & Company

Save 15%

NFL Shop Online

Save 12% online

North Branch Outlets

Special Discounts

OfficeFurniture.com

Save 10%

OfficeMax.com

Save 5% online

Payless ShoeSource

Save 10%

Pear’s Gourmet

Save 15%

Pet Assure

Save up to 30%

PetSmart.com

Save 6% online

PlanetFone

Save 10%

Premium Outlets

VIP Coupon Book

Reebok Outlet and Rockport

Outlet Stores

Save 30%

Samsonite

Save 20%

Sears.com

Save 5% online

Shoes.com

Save 20% online

Shop.NHL.com

Save 12% online

SiriusXM

Save up to 40% on your total purchase

 

Sueppel’s Flowers

Save 10%

Tanger Outlets

Save up to 20%

Target.com

Save $10 online

The Pet Protector

Save 50%

Universal Orlando

Member Savings

Visa TravelMoney Card

Safe. Secure. Reloadable.

White Florist

Save 10%

Wisconsinmade.com

Save $5 or more

TRAVEL

AAA eTravel Store

Save 15%

Accommodations

866.222.7283

Save up to 50%

American Express Travelers

Cheques

Member savings

Amtrak

Save 10%

Best Western

Discount rates

Courtyard by Marriott

Discount rates

Embassy Suites

Member savings

Executive Express

Discount fares

EZ Air Park

Discount rates

Fairfield Inn

Discount rates

Fuel Savings

Check Back to http://businessinsurancemn.com find updated info and join our newsletter!

Discounts as of 9/20/2011 Look for this symbol at participating retailersMinnesota Iowa offers

 

Gray Line Tours

Save 10%

Hampton Inn

Discount rates

Hampton®

Discount rate

Hertz Car Rental

Discount rates

Hilton Garden Inn

Save up to 25%

Hilton Hotels

Discount rates

Hilton Worldwide

Discount rates

Homewood Suites

Save 5%

Hyatt Place

Save 10%

Magellan

Save up to 50%

Marriott Conference Center

Discount rates

Marriott Hotels and Resorts

Discount rates

Niagara Falls Adventure Pass

Save 33% on 4 top attractions

No Fee Travelers Cheques

No Fee Travelers Cheques

PlanetFone

Save 10%

Professional Drivers Inc.

Save 6%

Renaissance Hotels

Discount rates

Residence Inn

Discount rates

Samsonite

Save 20%

Sheraton Hotels & Resorts

Save up to 15%

SpringHill

 

 

 

 

Donna’s 2011 Total AAA Savings

 

AAA service or discount0 Tows this year

Savings

$ 0

10% Auto Insurance (Gen 1) $160
10% Home Insurance $76
5% Auto/Home/Life   Ins $98
8 oil changes   ($3 each/ we have 3 cars) $  24
Sandstrom   Auto Body (10%)   Cannon Falls MN $  15
Target Online (10%)11 Nights I Hotel SavingsPayless Shoes (10%)FTD.com/aaa   (4 orders) (20% off)13 Paradise Car Wash (10%) Hertz Car RentalJones New York

Harry & David

Total Savings 2011

Additional savings with AAA Visa

(5°/o gas/pay  at the pump)

 

 

 

$  34$ 110$  18$  46$ 33$  95$  10

$  10

$ 729

$  468 (average $39 per month)

 


Total savings using AAA                                                          $1197- $134.95 = $1062.05

AAA Membership Price= $134.95 (Primary $59.95, Associate $20 & Plus $35, Premier $20)

 

Call 763-390-4872 to get your AAA Memberships – which are on sale till Oct. 1st  Ask for Tim!

Business Insurance MN Quotes

Posted on: September 8th, 2012 by tpeddyco
0

Call (763) 390-4872

or

Privacy Policy Terms of Service

Posted on: September 8th, 2012 by tpeddyco
0

PRIVACY POLICY

September, 2012

Our Commitment To Privacy

This Privacy Policy is designed to assist you in understanding how we collect and use your personal information in connection with our advertising, content, e-commerce, promotional and service programs and other business activities (the “Program”) and to assist you in making informed decisions when using our site and our products and services and the sites of our advertisers.

What Information We Collect

When you visit our site we may collect two types of information: (a) personal information you actively choose to disclose and (b) information about you that is collected automatically by our servers or obtained from third parties in a way not visible to you.

(a) Information you actively choose to provide. By choosing to participate in our Program, you must become a Member by disclosing the following information, such as: your email address, name, address, phone number and birth date. During the process of registering on our site, participating in various offers, completing surveys, or sending us emails or correspondence, we collect additional information that you may disclose, including for example mobile telephone number, fax number, payment information (e.g., credit card number and billing address), credit information, social security number, health information and personal preferences regarding lifestyle, products or services.

(b) Passive information collected automatically by our servers or obtained from third parties. We collect some information about you simply by virtue of you connecting to our web site. Our servers automatically identify your computer by its internet protocol (”IP”) address, a unique string of numbers that is assigned to your computer by your internet service provider. In addition, to participate in our program you must allow cookies to be active on your system. Cookies are a feature of web browser software (Internet Explorer, Netscape Navigator, etc.) that allows web servers to recognize which computer is used to access a web site. Cookies simplify subsequent interactions on our site and streamline your transactions on related web pages. Information collected through cookies may include the date and time of your visits, the site pages you viewed, the time spent at each page, and the web sites you visited just before and just after our site. You can disable the cookie function by following the instructions in the “help” section of your browser. However, doing so will likely make it impossible for our system to properly recognize you when you visit our sites, and consequently may make your participation in our program more difficult or impossible. In addition to the information you provide or that is collected automatically from our system, we may obtain information about you from our marketing partners or other third parties, and we combine that information with the information you actively provide or that is automatically collected by our servers.

The term “Information” is used in this policy to refer to both types of information described above, as well as any Information that you provide to us directly by phone (including any phone number displayed via caller ID), text or SMS message, U.S. mail or through any other written or oral communication with us.

How We Use And Share The Information Collected

We use your Information to administer our business activities, provide customer services such as technical support, distribute information about changes to our site, and send you, and enable others to send you, information about products and services that may be of interest to you and to contact you or use your Information for any other purpose. We send communications to you ourselves, and your Information also is shared with other organizations that may contact you for any purpose by email, phone, text message, U.S. mail or any other means of communication.

OPT-IN NOTICE: By Participating, You Expressly “Opt In” To Receive Information And Grant Us Permission To Share Your Information

By signing up for our Program you expressly opt in to receive future information about products and services from us and from a variety of advertisers to whom we may provide your Information. We will share your personal information with third parties, including our advertisers, for any reason we choose, including without limitation for the following purposes: (1) to operate our Program (including the transfer of the information to advertisers or to third parties who maintain on our behalf a list of persons having registered with our Program), (2) to permit advertisers or other third parties to use your Information for any purpose such as contacting you by email, phone, text message, U.S. mail or any other means of communication for any purpose, (3) to confirm you have completed all of the necessary steps to receive your gift, and (4) as we are required to do by law, including to notify the IRS that you received your gift. As a result, we will transfer your Information to third parties whose privacy policies and practices are beyond our control.

In addition, in the event we consider a transaction involving the purchase or sale of our assets or stock, other companies may review our records, including your Information, to make business decisions about the transaction. Likewise, your Information may be transferred to third parties in the event of the sale or acquisition of our company or any of its assets. The parties who perform services for us (credit card processors, merchant banks, our internet service provider, etc.) also may have access to your information in performing their services.

Special Note About Information You Provide Directly To Our Advertisers.

You are able to access certain advertiser’s sites through our site. When you opt to receive information or sign up for an offer from an advertiser, you may be doing so through third party sites and with other companies over which we have no control. You should read those sites’ privacy policies to make sure you agree to them before using such sites. If you wish to opt out of those advertisers’ mailings, you must do so directly with such advertisers or as otherwise provided on or through their sites.

Security Of Your Information.

We use reasonable technical efforts to prevent unauthorized access or disclosure, or accidental loss or destruction of Information. However, nearly all Internet transmissions pass through many servers not controlled by us, and therefore we cannot guarantee that any information you provide us or we collect will not be intercepted or altered in that process. Also, as noted above, your Information is shared with third parties whose privacy policies and practices are beyond our control.

How You Can Choose To “Opt Out” Of Receiving Further Information About Products Or Services

If at any time you do not wish to receive further information about products or services from us and wish us to cease providing your Information to third parties, you may chose to “opt-out” through the Unsubscribe/”Opt-Out” page of our site or by written request sent by U.S. mail to our Customer Service Manager at the following address: IST/Business Insurance MN PO Box 490573 Blaine, MN 55449

Or by clicking the “Unsubscribe” link in our newsletter emails.

We will promptly update our records upon receiving your clear instructions to opt-out, but it may take up to ten (10) business days from our receipt of your request for the change to be fully effective. If you later give us a clear statement that you want to receive emails from us or our advertisers after such date, then that opt-in statement will supersede any earlier opt-out request. If we have already provided your email address or other information to an advertiser or other third party before we receive your opt-out request, we cannot prevent them from sending or continuing to send you information or emails and you will need to contact such third party directly.

How To Correct, Delete Or Access Your Information

If you wish to access, delete or correct the information you have provided to us through this site, please contact us through the Contact Us section of our site or through written request sent by U.S. mail to the Customer Service Manager at the address listed above.

Special Rights For Residents Of Certain States

If you are a Minnesta resident or another state with specific laws relating to the collection and use of Information, you may have specific rights not set forth in this policy. For example, Minnesota residents have the right to receive: a) information identifying any third party company(ies) to whom we may have disclosed, within the past calendar year, personal information pertaining to you and your family for the company’s direct marketing purposes; and b) a description of the categories of personal information disclosed. To obtain such information you must make a request in writing. Your request must include your name registration (email address), the site name you visited and a return address or it will not be processed. We will not honor such requests more than once per calendar year. Requests made via email will not be accepted. Please mail your request to Customer Service Manager at the address listed in the footer of this site or the Contact Us page.

PLEASE CHECK THIS PRIVACY POLICY PERIODICALLY FOR CHANGES AS WE RESERVE THE RIGHT TO REVISE THIS PRIVACY POLICY. SUCH REVISIONS TO THE PRIVACY POLICY SHALL TAKE EFFECT WHEN POSTED. YOUR CONTINUED USE OF OUR SERVICES THROUGH ANY COMMUNICATION CHANNEL FOLLOWING THE POSTING OF ANY CHANGES TO THE PRIVACY POLICY CONSTITUTES YOUR NOTICE.

Work Comp MN

Posted on: September 8th, 2012 by tpeddyco
0

For Work Comp MN Questions Call 763.390.4872

 

Every year, American businesses spend millions of dollars more than they have to on Workers Compensation.  Your business doesn’t need to be one of them.

The work comp MN audit program from from the Insurance Specialists team can help you reduce your workers compensation costs.  It is estimated that 50% of all businesses are overcharged for their workers comp.  Did you Know?

– Insurance companies don’t pay for employee injuries – they just finance them for you at an exorbitant cost.

Claims management services are usually really a hassle and pain.

–  Auditors have a quota of audits they are required to perform.  If you are not prepared auditors won’t have much time and will just assume things.  You will be penalized and overcharged when their is a mistake on your audit

– Experience modification factors are often mis classified, out of date, just  wrong, or  mismanaged.

– If your agent is not a work comp specialists – you will likely overpay unless your agent knows what they are doing and  pays closer attention to your Workers Comp than any other insurance you buy.

 You can slash your costs – if you install the right system and work with a Certified Work Comp Master.

 

Through implementation of our exclusive work comp audit program, you can drive your employee related insurance costs down 20% or more.

A partnership with a Certified Work Comp Advisor may be the solution for you.  Let us help you get your the Workers Compensation costs under control.

Call 763-390-4872 today or visit our work comp MN page for an online quote to find out if our work comp audit program is right for you!

Topic Work Comp MN

 

 

 

Business Insurance Quotes

Posted on: August 16th, 2012 by tpeddyco
0

Call (763) 390-4872

 or

Business Insurance MN