For many, the fall season is a busy time of year. High school, college, and professional sports are in full swing. Kids are participating in homecoming festivities and many families are making trips to their local...

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As a small business (SMB) owner, you already know that whatever your business lacks in size, it makes up for in hard work. The majority of owners report working well over the standard 40-hour work week. In fact, ...

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Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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Isn’t technology great? Every day we see new technology that makes our lives better, more efficient, and safer. Cellphones have FaceTime capabilities and great cameras. Fit bits track our active lifestyles. Hover boards...

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House fires are something most homeowners live in fear of, but today’s technology can help you ensure the safety of you, your family, and your home. Here are five high-tech ways you can reduce fire risk. 1. Install...

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Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves and, of course, football season in Minnesota. Football brings with it a whole host of seasonal activities...

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Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the...

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Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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If you’ve ever filed a home insurance claim, you may have wondered what goes on behind the scenes. Insurance companies follow established procedures, and knowing them helps the insured understand the process. The...

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When shopping for insurance, you want to receive the most value for your money. This means you need to hire an agent who has your best interests - not their own bottom line - at heart. The key to finding an agent who'll...

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As fall approaches we need to remind ourselves of some safety issues that come with warm days and nights, but a loss of daylight. Fall is the time of year that has the highest occurrence of accidents involving motorists...

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Near the end of August, riders from across the country will converge on Milwaukee and Southeastern Wisconsin to celebrate the 115thanniversary of Harley Davidson®. As the rumble of motorcycle engines fills the air and...

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Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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When the sun is out and the weather’s warm, people flock to the water - whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

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It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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If you have kids in high school, final exam week is just around the corner. Year-end projects are nearing completion, which leads to study packets and a stressful time for students and parents. Exam stress can be the...

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Every dollar you take home is important and you do your best to spend them wisely. When purchasing a house, most people borrow from a bank and are required by the lender to buy insurance. However, when you rent, that...

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In just a few short weeks, college students will put on their caps and gowns and celebrate graduation. For many, graduation will be exciting and scary. Some graduates will start their new jobs right away while others...

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We all know that age-old statistic that motorcycles are inherently more dangerous than cars. Still that doesn’t stop millions of people around the world from jumping on one and going for the ride of their life! Here are...

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The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and...

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As a landscaping professional, you've invested a lot of time, sweat, energy, and money to build your business. That's what it's important to have an insurance program that protects you from financial disasters that...

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How to Make Earth Day Your Everyday - Earth Day may officially come around only once a year on April 22, but our world would be a better place if we all took steps to take care of the planet year round. So, we here at...

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After a long Midwestern winter – lots of snow, ice, sleet and cold – it’s finally time to think about opening the windows to capture those cool spring breezes. But before you throw open the doors, take a few minutes to...

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Most people have an idea of what’s covered and not covered under their various insurance policies. But at Modern Insurance Services, we get a lot of questions about borrowing or loaning a car. Now that summer is here,...

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With the large amount of snow melting in the next few weeks, March, April and May are typically heavy volume months for sump pump claims. Significant fluctuations in spring weather can result in water pooling and...

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After the recent snowfall you may have noticed it hard to keep your car clean, including cameras and sensors. While technology in vehicles is nice and helps you with your driving, keeping the sensors clean during winter...

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Ah, Valentine’s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” - and, of course, jewelry. It’s exciting to receive jewelry...

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In today’s online environment, even Fortune 500 companies aren’t exempt from cyber-crime, but they aren’t the only target. Are you aware of your risks? The Association of Certified Fraud Examiners (ACFE) states that...

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With Groundhog Day just around the corner, it’s time to start thinking about spring. (Or time to at least hope that springtime is coming, anyway.) And whether Punxsutawney Phil or the local groundhog sees his shadow or...

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If you live or vacation where the weather gets cold and the snow starts falling, some people are content to cozy up next to the fire with a good book and concentrate on staying warm. For others, though, it’s time to get...

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In order to save money in the colder months, many people opt to use a space heater to heat one room rather than heat the entire structure. Regardless of your plan, it is important to be cautious. The National Fire...

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If you are a snowbird heading south for the winter, there are several key things you can do to help protect your vacant home. Taking these steps can help protect your home from theft, water damage, heating or electrical...

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Consider the New Year an opportunity to re-evaluate your insurance needs to decide whether to renew, change, or purchase new policies. Ask yourself these questions to help make sure you are properly protected: Do you...

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