Minnesota Independent Insurance Agents and Brokers (MIIAB) at their annual association convention awarded Bruce Sogn the prestigious, “Agent of the Year” award.
This award is presented annually to a member agent of the association who was nominated by an
insurance company within the agencies that they represent. This award is presented to an independent insurance agent that has dedicated their career in counseling their customers by providing them with the best products and services for their insurance needs. Bruce Sogn, President of Oakwood Insurance Agency, started his business in 1989 after seeing how successful his father was in serving local communities. He continues the family legacy by following in the same footsteps as his father before him, by dedicating his support to his community and customers.
Daniel D. Riley, Executive President of the Association, stated that, “Bruce has been active in the insurance business for almost three decades and has an outstanding reputation with his colleagues in the business, as well as the insurance companies he represents. As the head of a family owned agency, he stated that his success is due to the involvement of his wife Darlene and son Jeremy. He also explained that the success of his agency and the products and services they provide to their clients, could not be done without the professional staff that he has in his agency. Bruce is a member that has alway given back to his profession and he truly deserves to be recognized for all of his dedication the industry.”
The Minnesota Independent Insurance Agents and Brokers (MIIAB), was established in the early 1900s and is the largest independent agent trade association in Minnesota with approximately seven- thousand members of the insurance community. It’s members are businesses that offer customers a choice of policies from a variety of independent insurance agency companies. MIIAB member agents offer all lines of insurance - property, casualty, life, health, employee benefit plans, and retirement products. The web address for MIIAB is - www.miia.org.
For further information contact: Daniel D. Riley, Executive Vice President firstname.lastname@example.org
Here are a few of the risks your family may face this summer:
· Watercraft -- Remember, your personal watercraft insurance does not cover racing. In addition, if your boat is over a certain length, you will need a separate boat policy. Remember to have personal floatation devices for all people in the boat, and do not drink and drive your boat. Venture beyond the geographic limits in the policy and the insurance may be nullified.
· Travel -- If you are planning a family vacation, make sure you keep your home safe while gone. Use timers on lights, cancel the mail and garbage, and do not post vacation pictures on social media while you are gone.
· Swimming -- Never leave a child unattended around water. If your child does not know how to swim, make sure they have a floatation device on at all times.
· Bug Bites -- If you are heading outdoors, be prepared for annoying critters. Use EPA-registered insect repellents* that contain at least 20% DEET (products include Cutter Backwoods and Off! Deep Woods) for protection against mosquitoes, ticks, and other bugs. Other repellents protect against mosquitoes, but may not be effective against ticks or other bugs.
· Barbecuing -- Never leave a barbeque unattended. Do not barbecue inside or in a garage. If you receive a minor burn, hold the skin under cool running water for up to 15 minutes to reduce swelling or until the pain subsides.
· Sunburns -- Always use sunscreen, and if your skin is burned, mix one-part whole milk with one-part cool water and gently apply it into the affected areas with a washcloth.
· Reputational harm: $50,000
· Vehicle accident: $45,000
· Fire damage: $35,000
· Product liability: $35,000
· Customer injury or property damage: $30,000
As your business grows, your risks change. It is beneficial for business owners to have an understanding of how risks change because of growth.
· Contract disputes increase. Growing businesses often develop relationships without written agreements, resulting in disputes.
· Increased employee litigation. When businesses hire new people, often they overlook proper hiring practices. This often leads to litigation. Make sure your business has an employment practices liability policy.
· Increase in worker injuries. A greater workload leads to increased hours and the possibility of employee injury. Your workers’ compensation policy will cover work related injuries.
· Building damage. Often, growing businesses fail to pay attention to building maintenance, which can lead to all kinds of damage. Read your property policy to make sure you do not void your coverage through lack of attention to safety issues.
Home safety is very important to all homeowners. You want your home to be a place where family and friends can live and play without the risk of injury or accidents. You buy homeowner’s insurance to cover accidents and losses that may occur, and that is a good thing. A good way to keep your homeowner’s insurance cost as low as possible is to keep you home as safe as possible. Here are a few tips to get you started.
· Fix all leaks in foundations and/or roofs.
· Install smoke detectors in every bedroom and keep them in working order.
· Have a fire extinguisher on each floor of your home. Test it annually.
· Trim all trees that are close to your house.
· Check to make sure you do not have any lead paint in your home. If you find lead paint, have it replaced.
· Invest in a home security system. Many good ones do not require hardwiring. Some systems also include video monitoring.
· Use timers on outside lights.
Do you need a homeowner's insurance quote? Talk to us today about keeping your home and family protected. We are an independent insurance agency that writes insurance with over 30 companies. This means we can offer you insurance coverage from the company that best meets your needs, thus giving you the best price and service.