Excavation work comes with risks that most industries never face. When you are moving dirt, you are working around heavy equipment, unstable ground, and utilities that may or may not be where the map says they are. That is why insurance for excavation and dirt work cannot be treated like a standard contractor policy. Across […]
Insurance for Excavation and Dirt Work in Minnesota Read More »
If your business involves dirt, heavy equipment, and job sites, you already know the risks do not wait until later in the season. One accident, one breakdown, or one missed detail can turn into a costly problem fast. Excavators, landscapers, farmers, gravel haulers, drainage contractors, and concrete crews all rely on equipment, vehicles, and experience
Insurance for Dirt Work Businesses That Actually Fits How You Work Read More »
As winter winds down, contractors and farmers start thinking about equipment, crews, and the upcoming season. What often gets overlooked is insurance. An insurance review for contractors before the season begins ensures your coverage still fits the work you are about to do. Once equipment comes out of storage and jobs begin, it is much
Before Dirt Hits the Shovel, Take Time to Review Your Insurance Read More »
When you look at your auto insurance policy, you will likely see two terms side by side: Collision and Comprehensive. While they are often bundled together as “full coverage,” they actually protect you from very different types of “what-ifs.” At the Harmoning Agency, we believe you will understand what you are buying. Whether you are
Collision vs. Comprehensive: Understanding Your Auto Coverage Read More »
A Fair Question, No Pressure Attached You may have heard us say it, and I want to explain what we mean. If you aren’t working with the fastest growing agency in the area, why not? That is not a line meant to make anyone feel uncomfortable. It is a simple invitation to take a second
If you aren’t working with the fastest growing agency in the area, why not? Read More »
Long Time Trust This December, I have been thinking a lot about what it means to serve this area for more than 25 years. When you have the opportunity to do something for that long, you realize pretty quickly it is not about policies. It is about people. It is about being the one you
Years of Gratitude: A December Thank You from Joel Read More »
Your family is about to go on a much-needed vacation and break from the cold Minnesota winter. Have you considered how to prepare for your trip with your safety top of mind? We have gathered a few tips to help you out before you head out. Make Copies of Your ID and Passport When traveling,
Steps to Preparing for Your Upcoming Vacation Read More »
At The Harmoning Agency, we know accidents don’t wait for business hours. A cracked window, a sudden storm, or a stray rock on the highway can happen at any time. When it does, our job is to make the process of getting back on track simple, stress-free, and quick. Recently, one of our customers experienced
A Window Repair Story That Shows the Harmoning Difference Read More »
When the Unexpected Happens When emergencies strike, pet owners are often faced with tough choices, especially when cost becomes a factor. That’s where pet insurance makes the big decisions easier. This month, Shylyn saw that firsthand after filing a claim with Nationwide for her dog, Billie. Her story highlights why pet insurance is so valuable
Pet Insurance Makes the Big Decisions Easier Read More »
Lithium batteries power many of the devices we use every day, from smartphones and laptops to e-bikes and power tools. While they make life easier, it’s important to understand how to use and store them safely. Following the right lithium battery safety tips can help prevent fires, explosions, and damage to your home. Common Risks
What You Need to Know About Lithium Batteries Read More »