Let’s Talk Whole Life Insurance Life insurance can be confusing to shop for. Therefore, it is crucial to understand the differences between whole life and term life insurance to make the best decision for you and your family. The Cost of a Whole Life Insurance Policy Whole life insurance costs more than term life insurance,…
Let’s Talk Term Life Insurance Here at Hermann Insurance, we want what’s best for you! Certainly when regarding Life Insurance and anything else your family needs. It is essential to know what you are shopping for and today, we will go over Term Life Insurance. Life insurance can be confusing to shop for. It is…
What Whisky Plates Can do to Your Insurance. Plate impoundment can inconvenience and embarrass the impacted drivers—and their family members. But how do whisky plates affect your insurance? If you get a DWI conviction in Minnesota, one of the consequences of a is plate impoundment. This is when the state of Minnesota takes away the…
Don’t Let a Fire Extinguish Your Holiday Cheer! The winter holiday season is a time to gather with family and friends, eat good meals, and share memories. Unfortunately, it is also peak house fire season. All these fires are preventable. Christmas Tree Fires Half of all home tree fires involve electrical distribution or lighting…
Liquor Liability & Your Holiday Party. Tis the season for holiday parties. If you organize one yourself, it is essential to know the risk you are assuming and how to minimize it. It seems there is a string of opportunities to attend one between Thanksgiving and New Year’s. Perhaps you are even organizing one yourself.…
Fantasy Football, Real Insurance About 40 million people now play fantasy football in the U S. How does it work? And is it gambling? Is there a way of insuring your “investment?” An estimated 40 million people now play fantasy football in the United States. And the game is becoming a global one. For example,…
Happy Thanksgiving! Usually a time of thanks, this time we are talking about an unpleasant holiday visitor, food poisoning. You’ve worked hard to build your restaurant. Protect it. We are an experienced independent insurance agency, and we’re here to help. CDC estimates that each year roughly 1 in 6 Americans (or 48 million people) gets…
When Someone Slips and Falls on Your Property You’ve heard it before. If someone slips, falls and is injured on someone else’s property, they can sue! But what if the property belonged to you? Are you prepared for a liability claim? Let’s look at the law and how you can be protected and protect anyone…
Halloween Haunted House Event Insurance It’s that time of year again when many of us are looking for a good scare. But the last thing you want is the fear of a liability lawsuit brought about after someone was injured at a Halloween event you coordinated or sponsored. Make sure your haunted house doesn’t end…
Is Renter’s Insurance Worth It? Many renters mistakenly assume that their landlord is insuring them. But they aren’t. So if the home you rent was to burn down, how would you replace your stuff? It would help if you had renter’s insurance. When you move into an apartment or rented home, you put the utilities…