Caron Agency, Insurance Broker

09/02/2026

⚓ "Twenty years ago, I made a promise."

Twenty years ago, I promised myself that every client would always talk to me, not a call center. That I'd explain things in plain English. That I'd fight for them when it mattered.

Two decades later, that promise hasn't changed. The industry has gotten more complicated, but my approach hasn't: put people before policies.

Thank you to every client, colleague, and community member who has trusted me along the way. Being voted "Best Insurance Agent" in Minnesota means the world — but earning your trust every day means more.

Here's to another week of doing the work that matters. ⚓

09/01/2026

School zones are filling back up with buses, crossing guards, and kids on the move — and the numbers remind us why that matters. A recent AAA report found 17% of Minnesota drivers admit to speeding in active school zones, and more than half say their daily commute passes directly through one.

Under Minnesota law, school zone speeding fines are doubled, and speed limits can drop to 15 mph when children are present.

Here's why slowing down matters so much: a pedestrian struck at 20 mph has about a 5% chance of dying, compared to 85% at 40 mph. If you're carpooling this year, a few simple habits go a long way: put phones on silent before you pull out of the driveway, enforce seatbelts for every rider, build in extra time so you're never rushing through a school zone, and always stop well back from a bus with flashers on.

Carpooling is also one of the best ways to ease congestion around drop-off and pick-up.

While you're at it, it's a great time to make sure your auto coverage and liability limits reflect the fact that you're regularly driving other families' kids. I'm happy to take a look with you.

08/31/2026

“Growth is never by mere chance; it is the result of forces working together.” — James Cash Penney (J.C. Penney)

In business, insurance is one of those key forces, helping align opportunity, people, and assets so growth is sustainable, not fragile.

08/29/2026

☂️ Umbrella Insurance: The Most Underrated Protection You're Probably Missing!

Here's a scenario most people don't think about until it's too late:
→ Your teenager causes a car accident.
→ The other driver is seriously injured.
→ Medical bills exceed $300,000.
→ Your auto policy covers $250,000.

Who pays the remaining $50,000+?
You do. Out of pocket. Unless you have umbrella insurance.

An umbrella policy provides an extra layer of liability protection above your home and auto policies — typically $1M or more. And it's surprisingly affordable: often less than $200/year for $1M in coverage.

If you own a home, have teenage drivers, own a boat, host gatherings, or have any assets worth protecting, umbrella insurance isn't optional.

It's essential.
Let's talk about whether you need one. CaronAgency.com

08/28/2026

🏫 Back to School = Back to Risk. 3 Insurance Blindspots Parents Miss Every Fall.

School is back — and with it comes a few insurance considerations most families overlook:

📱 Your teen's new electronics. Laptops, tablets, phones — are they covered under your homeowners policy? Many policies have sublimits on electronics. If your kid's $1,500 MacBook gets stolen from their locker, you might only recover a fraction.

🚗 New teen drivers. Adding a 16-year-old to your auto policy is one of the biggest premium changes you'll see. But there are discounts: good student, driver's ed, and distant student (if they go away to college without a car).

🏠 College-bound kids. Is your student living in a dorm? Their belongings may be partially covered under your homeowners' policy. Renting an apartment? They likely need their own renters policy — often under $20/month.

I help Minnesota families navigate these transitions every fall.
Let's make sure you're covered. 763-473-4090 | CaronAgency.com

08/27/2026

West Bend Insurance Company - Great products for local business.

Wisconsin Soup Company describes working with their agent, Colonial...

08/26/2026

🥳 The Great Minnesota Get-Together starts tomorrow and runs through Labor Day, Sept. 7! As a Minnesotan who's spent more than 25 years helping local families protect what matters most, the Fair is always a great reminder of how much life happens outside our own four walls.

🎈 Here's a tip most families don't realize: your homeowners or renters policy typically covers personal belongings even when you're away from home, so if a stroller, phone, or purse goes missing in the crowds, you may have more protection than you think.

🚗 It's also smart to double-check your auto coverage before a long day of fairground parking, and make sure your home is locked up, and lights are set before you head out for the day.

🎡 Enjoy every cheese curd, ribbon, and Ferris wheel ride with your family this year. If you'd like a quick, no-pressure coverage check-in before the Fair rush, I'm just a call away.

08/25/2026

With the Great Minnesota Get-Together running Aug. 27 through Labor Day, local small business owners across the Twin Cities are about to see a big wave of extra foot traffic from out-of-town visitors and Fair-goers alike.

If you're setting up a booth at the fairgrounds, hiring seasonal help for the rush, or simply keeping your doors open longer during Fair season, now's the time to make sure your commercial policy keeps pace — think vendor/event liability, workers' comp for temporary staff, and product liability if you're selling food or goods.

I love watching Minnesota small businesses thrive during these twelve days. If you want a quick review of your coverage before the crowds arrive, I'd be glad to help.

08/24/2026

“A failure is like fertilizer; it stinks to be sure, but it makes things grow faster in the future.” — Denis Waitley

Learning from financial missteps often includes shoring up gaps in coverage so future storms help you grow instead of wiping out your progress.

08/23/2026

If you run a small or mid-sized business in the Twin Cities, here's a question worth asking: What happens if your systems get hacked tomorrow?

Most standard business policies don't cover:
❌ Data breach notification costs
❌ Ransomware payments
❌ Lost income during downtime
❌ Liability for compromised customer data

Cyber & EPLI coverage fills those gaps — and it's more affordable than most business owners expect.

I work with businesses across Minnesota to build coverage that matches today's threats, not yesterday's. Let's make sure your business is protected for how you actually operate.

[email protected] · 763-473-4090 · CaronAgency.com