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WA Insurance Group & Winona Agency Blog: 3_2015

View the latest blog posts from WA Insurance Group & Winona Agency.

One might think that insurance should be simple. One party wants protection and another, if paid the right amount of money, is willing to provide protection. An insurance policy (a contract) controls what situations are covered. A very important part to consider is exclusions. READ MORE >>

No business wants to face an event that could seriously curtail or even shut down operations. Unfortunately, few businesses have plans to deal with such a disaster. It is not unusual for a business to overlook creating disaster plans. Further, companies that do have disaster or continuity plans in place often fail to update their plans on a regular basis. READ MORE >>

The Affordable Care Act (ACA) requires most individuals to either obtain acceptable health insurance coverage for themselves and their family members or pay a penalty. This rule is often referred to as the individual mandate. The individual mandate went into effect beginning 2014. READ MORE >>

Diminished value (DV) refers to damage to an auto that reduces its market value and there are several different types of DV: Inherent DV: Describes a general conviction that a wrecked vehicle, which is then repaired, is less valuable than a vehicle that has never been damaged. READ MORE >>

Applicable large employers are subject to the employer shared responsibility provisions of the Affordable Care Act and related information reporting requirements. Under the ACA, your organization is an applicable large employer for a year if you had an average of at least 50 fulltime employees (including full-time equivalent employees) during the prior year. READ MORE >>

Businesses, regardless what they do or their size, make decisions that affect how they are covered. There are many factors that go into choices about what needs to be protected, such as: Buildings Machinery Equipment Business Furnishings Vehicles Inventory and other assets READ MORE >>

Do you need flood insurance? Well, walk to the nearest mirror and ask the person you see if he or she owns much property that could be damaged or destroyed by water. If the answer is yes, then you should seriously consider buying flood insurance. Most persons who need the protection buy coverage offered by the National Flood Insurance Program (NFIP). READ MORE >>

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174 Center Street | Winona, MN 55987
O: 507-452-3366 | TF: 800-657-4448
975 34th Avenue, Northwest Suite 302 | Rochester, MN 55901
O: 507-424-4400 | TF: 800-657-4448