5 Star Insurance Protectors, Inc.

10/13/2026

Two auto policies can cost nearly the same each month and still offer very different coverage.

One might have a higher deductible, which can mean paying more out of pocket if you have a claim. Another might have lower liability limits, a difference that may not seem significant until you're dealing with an accident. Neither of those details is obvious when you're only looking at the monthly premium.

That’s why, at 5 Star Insurance Protectors, we look beyond price and focus on overall value. The premium matters, but it doesn't tell you everything about the policy you're choosing. Looking more closely at deductibles, limits, and other details can help you better understand what you're getting before you decide.

Ask us to walk you through the differences at 5starinspro.com/insurance.

10/06/2026

October is Cybersecurity Awareness Month, and it’s easy for small business owners to assume the conversation is meant for larger companies. But any business that stores customer information or relies on online tools can face cyber risks.

Good security habits are the first layer of protection. Strong passwords, multi-factor authentication, and a team that knows how to spot suspicious emails can all help reduce the risk of something going wrong.

The next question is what happens if an incident occurs anyway. That’s where cyber liability coverage may come into the conversation. It’s typically separate from a general business policy and, depending on the coverage, may help with costs such as:

▪️Notifying customers whose information may have been exposed
▪️Lost income while systems are down
▪️Restoring data and getting systems back up and running

What’s covered can vary from one policy to another, which is why it’s worth looking at the details rather than assuming you’re protected.

Not sure whether cyber liability makes sense for your business? Ask 5 Star Insurance Protectors at 5starinspro.com/insurance/specialty.

10/01/2026

A renewal notice and a coverage review aren't quite the same thing, but it's easy to think of them that way.

A renewal generally continues the policy you already have. What it may not account for are the changes that have happened since that policy was put in place. Maybe you bought a vehicle, added a driver to the household, remodeled your home, purchased something recreational, or hired someone for your business.

None of those changes may have felt like an insurance decision at the time, but they can affect the coverage you need.

If your year included a few changes like these, take a moment to think about what's different before reaching out. Having those details in mind can make the conversation easier and help ensure your coverage still reflects where things stand today.

If it's time for a second look, reach out to 5 Star Insurance Protectors at 5starinspro.com/contact.

09/29/2026

Some of the coverage gaps we come across don't start with something going wrong. They happen because a business has grown.

A contractor might add two employees and a second work vehicle over a couple of busy years, while still carrying the policy that was written when it was just one person and one truck. It isn't necessarily something anyone overlooked. Growth often happens gradually, and each change on its own may not seem significant enough to revisit your coverage.

Over time, though, those changes can add up. Things like payroll, vehicles, square footage, and even the terms of the contracts you sign can affect what your commercial policy needs to account for.

Every business is different, which is why it's worth reviewing your coverage with an agent rather than assuming the policy you started with still fits where your business is today.

If your business looks different than it did a year ago, send 5 Star Insurance Protectors the details at 5starinspro.com/get-quote.

09/25/2026

Insurance can feel straightforward until something changes. You start a business, buy a building, add a driver to your policy, or sign a contract with requirements you haven't seen before.

Those are the moments when it helps to talk with someone local, and with someone you'll still be able to reach next year. 5 Star Insurance Protectors is a veteran-owned independent agency based in Monticello, and Cole brings more than 21 years in the industry to those conversations.

We hear from a lot of new business owners who've received a quote online and would still like to talk it through with a person first. That's a reasonable thing to want, and it's the kind of conversation we're happy to have.

Contact the team to schedule a conversation at 5starinspro.com/agents.

09/23/2026

If you've only ever had insurance through one company, you might assume your coverage options are limited to what that company offers. With an independent agency, it works a little differently.

5 Star Insurance Protectors works with more than 40 insurance providers, which means we can explore options from multiple carriers based on your situation. We’ll talk through what you need, compare what’s available, and help you understand how those options differ.

That comparison can be especially helpful because two policies that look similar at first may handle limits, exclusions, and deductibles differently. Having someone walk you through those details can make it easier to understand what you’re choosing and why.

Ask us what options may fit your situation at 5starinspro.com.

09/21/2026

You already know your business better than anyone. The harder part is often knowing which coverage to consider first, and you shouldn't have to sort through that alone.

A question we hear from business owners all the time is: Should I start with general liability, workers' compensation, or coverage for the building itself? There isn't one answer that fits every business, but understanding what each type of coverage is designed for can make that decision a little easier.

▪️General liability, for claims that can come out of your everyday work
▪️Workers' compensation, for when an employee is injured on the job
▪️Building and property coverage, for the space you work in and what's inside it

Once you understand the differences, you can start thinking about what makes sense for your business. 5 Star Insurance Protectors can then compare options from multiple carriers and help you understand what's available, so you can make the decision that feels right for you.

Send us a message to start the conversation at 5starinspro.com/insurance/business.

01/23/2026

https://youtu.be/O97PbIoVQss

Twenty five percent of businesses do not survive after a major property disaster, such as a freeze-related water incident, according to the Insurance Institu...

12/21/2021

Merry Christmas 2021

Cars make kids of us all, happy holidays from Hagerty.

12/09/2021

Ladies night out at the Ham Lake Chamber of Commerce Christmas celebration!

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