Nuline Insurance Services

08/28/2026

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. So to celebrate, our team is fully committing to the cause by penciling some cat naps into our schedules this weekend.

A quick heads-up: The office is closed on Monday, September 7th. We will be back on Tuesday, September 8th — recharged, refreshed, and ready to get to work.

We hope you have a long weekend full of good food, good company, and zero emails!

08/24/2026

Summer drought. Unexpected hail. Flooding. Pest damage.

The summer growing season is full of variables that no farmer can fully predict or control. One bad stretch of weather at the wrong time can undo months of hard work and put your entire operation at financial risk.

That’s where we come in. Our team is here to help you find the right blend of insurance that exists for your operation.

So, if you’re looking to layer on additional coverages to an existing policy or need new coverage altogether, don’t hesitate to reach out. We’re here to help protect what you’ve built.

08/18/2026

Did you know that one in seven drivers is uninsured, according to a 2023 Insurance Research Council survey?

Given how many uninsured drivers are on the road, it’s important for all Americans to know what to do in the event of an accident involving an uninsured driver.

With that in mind, we’re sharing an overview today of key steps:

🚓 Call the Police - A police report is essential when filing an insurance claim.
🪪 Exchange Information - Collect any details the other driver can provide, like their address and phone number.
📷 Take Photos - Document the damage to your vehicle as long as it's safe to do so.
📝 Document Everything - Note down everything about the incident, including VIN numbers and license plates.
🤐 Be Mindful of Your Words - Anything you say can be noted in the police report. Avoid admitting fault.
💵 Decline Any Cash Offers - Accepting money on the spot can complicate your ability to pursue further claims.
📩 File a Claim Promptly - Don't delay in starting the claims process.

While it might be challenging to recover costs from an uninsured driver, policies, especially those with add-ons like collision coverage and personal injury protection (PIP), are designed to prevent complete loss and cover additional expenses.

🔍 Have questions about your coverage or interested in adding more protection? Don't hesitate to reach out! We're here to help.

08/15/2026

Driving is an everyday activity for most of us, making it easy for drivers to go on autopilot along with their cars 🚘

But given that two out of every three people will be involved in an accident with serious injuries, it’s important to remain vigilant, no matter how many times you’ve stepped into the driver’s seat.

Here are a few 🔑 ways to do just that:

🚗 Wear your seatbelt - Wearing a seatbelt is the most effective way to reduce fatality risk in a crash. In fact, the NHTSA says seatbelts cut crash-related serious injuries and deaths by half.

🚗 Practice defensive driving - Be aware of what other drivers around you are doing, expect the unexpected, and keep a two-second cushion between you and the car in front of you.

🚗 Don’t multi-task while driving - Multi-tasking while driving is dangerous and can cause you to swerve, hit other cars, or run into stationary objects on the side of the road.

🚗 Don’t drive impaired - Alcohol and drugs impair decision-making and alertness even if you feel fine–and so does being tired. Controlled studies show drowsy driving can cause a similar amount of crashes as drunken driving.

Have a safe driving tip to add to this list? Comment below, and be sure to share these tips with your friends and family ➡️

08/13/2026

Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting there. Here are a few tips to keep in mind:

🔵Walking to school? Stick to sidewalks, cross only at crosswalks, make eye contact with drivers before stepping into the street, and always walk in a group when possible.

🔵Riding a bike? A properly fitted helmet is non-negotiable. Remind students to ride on the right side of the road with traffic, come to a complete stop before crossing, and choose a route with minimal intersections and light traffic.

🔵Taking the bus? Students should stand at least 6 feet back from the curb when waiting for a bus, wait for the bus to come to a complete stop before boarding, and never walk behind or in front of a bus without making eye contact with the driver first.

🔵Getting dropped off? If you drive your child to school, obey school zone speed limits, follow your school's drop-off procedure, and never pass a bus that is loading or unloading children.

🔵Teen drivers? Review the basics of safe driving. This includes, but is not limited to, having all passengers wear seatbelts, putting devices away while driving, and driving the speed limit.

We hope you find these tips helpful as students transition back to school. As always, if you have any needs or questions, do not hesitate to reach out to our team. We are happy to help.

07/01/2026

In our line of work, we often see the outcomes of poor safety measures. With that in mind, we want to share a few key safety reminders for the July 4th weekend.

We wish each of you a safe and happy Independence Day! Please note that our office will be closed on Friday, July 3rd, in observance of the holiday and will reopen on Monday, July 6th.

06/21/2026

Happy Father's Day to all the fathers and father figures who show up with dedication, patience, and purpose.

The day is a chance to honor the dads and father figures who have taught us life lessons, made us laugh, and shown us what dedication looks like.

To those celebrating, being celebrated, or honoring the memory of someone who shaped your journey, we wish you a meaningful day filled with appreciation.

06/19/2026

June is National Fireworks Safety Month — a perfect time to plan summer celebrations that are fun and safe. Fireworks are exciting, but they also contribute to thousands of emergency room visits and fires each year.

While small displays put on near the home often seem safe, small fireworks can still pose a serious safety risk. However, there are plenty of ways to celebrate safely this summer. This can include laser light shows, drone displays, festive block parties, glow sticks, and confetti poppers.

It’s important to remember that even with precautions, accidents can still happen. Now is a good time to check in on your coverage and make sure you understand your liability basics heading into the season.

Have questions about your policy? Don’t hesitate to reach out to our team. We are here to help you.

06/16/2026

A homeowners policy should not be something you buy once and forget. Rebuilding costs, liability exposure, and property risks can all change over time, and if your policy has not kept up, a loss can reveal coverage gaps at the worst possible moment.

Since June is National Homeownership Month, our team wanted to share a few homeowners insurance mistakes that can cause problems later down the line:

🏠 Outdated dwelling coverage - Rebuilding costs have increased significantly over the years. A home insured for $300,000 a few years ago may cost far more to rebuild today, leaving a potential coverage gap.

🏠 Choosing coverage based primarily on price - Focusing only on the lowest premium can lead to higher deductibles, lower limits, or key exclusions, which can create high out-of-pocket costs in the event of an emergency.

🏠 Ignoring flood risk - Many homeowners assume these are covered under a standard policy, but these perils typically require separate coverage. Even in moderate- or low-risk areas, events such as heavy rainfall can still cause costly damage.

🏠 Overlooking liability coverage limits - If someone is injured on the property or there’s accidental damage to others’ property, insufficient liability limits could leave the homeowner responsible for significant out-of-pocket costs.

A quick review can provide a clearer picture of how your policy would respond in a real claim and whether any limits, exclusions, or gaps need attention. Contact our office to schedule a policy review, and we can go over your terms and make sure your coverage still fits your home today.

06/11/2026

Please check it out! E-bikes have become very popular and there are laws and standards that need to be followed! Let’s keep everyone on the roadways safe!

Do you own an E-bike or have a child who rides one? The Bismarck Police Department invites you to attend one of our upcoming FREE E-bike Safety Check events!

Bring your E-bike to either location and our officers will help ensure it meets safety standards and is legal to operate. Whether the bike is for you or your child, this is a great opportunity to learn about safe riding practices, where E-bikes can legally be ridden, and the responsibilities that come with being an E-bike rider.

As E-bikes continue to grow in popularity, we want to help keep our community safe through education and awareness. Stop by, ask questions, and make sure you're ready for a safe riding season!

We look forward to seeing you there!