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When business trips, family vacations, fun weekend getaways, or even long workdays keep you away, it's important for Minnesota homeowners to know your home sweet home is safe in your absence. Do you take steps to keep your home safe? Or do you walk out the door every day with your fingers crossed, hoping nothing goes amiss while you are gone? If you answered yes to the second question, it's time to get proactive, because you do have the power to prevent misfortunes. In addition to preventing any physical harm to the dwelling and the land on which it sits, you also want to prevent a break-in and burglary. Fortunately, there are several simple ways to help keep your home safe while you are out.
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The New Year is traditionally a time of renewal and revision. We stay up late on December 31 to drink champagne and kiss the one we love-all in celebration of the fact that we have been granted a fresh start. Many of us make resolutions to do things a little differently this time around-whether that means exercising more, shopping less, or spending extra time with our children. Yes, the New Year is like a metaphorical reset button for life, one that inspires us to keep the aspects of life that are working, and adjust the aspects that aren't.
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Your stocking may be full this Christmas, but what about your emergency supply kit for winter driving? It, too, should be full of goodies: handy supplies and equipment to ensure you and your loved ones stay safe and warm in the event of a road-related emergency.
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Roads can be positively deadly in the wintertime. According to icyroadsafety.com, there were an average of 467 fatalities per year between 2008 and 2010 due to icy roads alone. And, even if you live in warmer climates, winter driving can be a wild and wooly experience regardless.
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You're probably accustomed to taking stock of the assets that lend spark to your personal life - jewelry, collectibles, and art, for example. Such assets are typically stored in or around your home, and can be protected by a valuable personal property policy tacked on to your existing homeowners', condo, or rental insurance policy. But your business has assets, too. Have you taken the time to assess just what they may be, and obtain the coverage you need to ensure their protection?
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It's that time of year again, the time of giving and receiving. We show love and appreciation for the people in our lives by presenting them with tokens of affection, usually in the form of presents. Likewise, we receive gifts. Some are delightfully simple and sweet, another hand-knit sweater from Aunt Margie, while others may be flat-out fancy diamond necklace from the husband, for example. When the euphoria that comes with receiving a truly great present dies down, it's time for those in Minnesota to think about protecting it. It is, after all, another asset, and should be treated as such.
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D&O is the common abbreviation for Directors' and Officers' Liability Insurance. This is a type of liability insurance that protects Minnesota directors and officers of an organization by covering damages or defense costs in the event that they are sued for alleged wrongful acts while serving as directors and officers for the organization.
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In the Minnesota, the holidays are a special time of year for so many reasons. They may be spiritually significant, or bring us closer to our friends and families. They are a time of giving, gathering, and sharing good food. For children, they may be a chance to receive some longed-for gifts. Despite all the magic that characterizes the holidays, they are not free from accidents. In fact, the holidays are one of the most dangerous times of year, when household accidents and injuries abound. Here are the ten most common holiday mishaps, and tips for avoiding them.
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