Running a business without carrying insurance is extremely risky. Without insurance coverage, a single accident or lawsuit could quickly drain your resources and drive you out of business.

Below is a list of insurance coverage available to protect you in the event of a loss:

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Health insurance is an important benefit for your employees. By making sure you offer the right plan can give your business a competitive advantage as part of your overall compensation program. In fact, there are people who would otherwise be qualified to run their own businesses that may work for yours because of access to your benefits program. Let us help you find the best program to fit your businesses needs.

For more information or to get a quote, please call our office at (952) 445-5767.

Are you:

• Self-employed?
• Between jobs?
• Laid-off?
• Graduating from college?
• Receiving inadequate coverage?
• Paying too much for coverage?

At Innovative Insurance we represent the top companies in the health insurance marketplace for Individual Health Insurance. We will structure a plan that will meet your health and prescription needs at a cost structure that is comfortable for you. If you have lost health benefits or have been turned down for medical reasons, contact us, we can help!

For more information or to get a quote, please call our office at (952) 445-5767.

A burial life insurance policy (a.k.a. funeral insurance) is a permanent life policy that is meant to cover your funeral expenses so that your loved ones won’t have to pay out of their pocket.

If you would like more information or would like a quote, please call our office at (952)445-5767.

Second to die life insurance (a.k.a. survivor life insurance) is similar to a first to die life policy as it covers two or more lives under one policy, however this type of policy would only pay out after the second (or last) person dies. A couple of the most common reasons to purchase this type of policy is if you wish to leave an inheritance to surviving children after the death of both parents and/or in order to pay estate taxes.

If you would like more information or would like a quote, please call our office at (952)445-5767.

This is simply a life insurance policy that is meant to pay off your mortgage in the event of your death before the mortgage is fully paid.

If you would like more information or would like a quote, please call our office at (952)445-5767.

This is an insurance policy designed to replace the economic loss associated with the death of employees. These policies are issued on the life or lives of employees whose death would have a substantial financial impact on the organization’s ability to function and prosper in its future. It provides permanent coverage on the life of the insured and the policy is owned and funded by the business.

For more information or to get a quote, please call our office at (952) 445-5767.

Long term care includes a wide range of medical and support services for people with a degenerative condition, prolonged illness or cognitive disorder. And now, more than ever, employers are offering group long term care insurance in the workplace since over 40% of people receiving services are under the age of 65. This is a great way to attract and retain valuable employees while providing the employer with tax advantages.

For more information or to get a quote, please call our office at (952) 445-5767.

Group disability insurance helps attract and retain quality employees and is tax deductible to the business. Plans typically provide the disabled employee with up to 70% of the pre-disability income (to a maximum allowed amount) and coverage is available for both short and long term.

For more information or to get a quote, please call our office at (952) 445-5767.

Group life insurance is often provided as part of a complete employee benefit package. In most cases, the cost of the group coverage is far less than what the employees themselves would pay for a similar amount of individual protection. The amount of coverage is typically equal to one or two times the employee’s annual salary and usually the employer pays for part (and in some cases all) of the premiums.

For more information or to get a quote, please call our office at (952) 445-5767.