Garry Insurancenter

What types of personal insurance do you offer?

At Garry Insurancenter, we offer a range of personal insurance options to keep your assets and loved ones protected. Our offerings include home insurance for primary and secondary residences, auto insurance including classic cars, and renters insurance for those leasing their living spaces. We also cover rental properties, boats, RVs, and recreational “toys.” Need extra peace of mind? Our umbrella and excess liability policies add a layer of protection beyond standard coverage, ensuring you’re fully prepared for the unexpected.

Do you provide insurance for businesses?

Yes, we provide comprehensive business insurance solutions for St. Paul’s small and medium businesses. Our policies cover essential needs like Business Owner’s Policies (BOP), general liability, and commercial property insurance. We also specialize in industry-specific coverage for businesses needing unique solutions. Our business auto insurance, management liability, and commercial liability options are tailored to safeguard your company’s assets, employees, and operations against everyday risks.

How can Garry Insurancenter help me with life insurance?

Life insurance is one of the most meaningful investments you can make for your family’s future, and we’re here to help guide you through the process. We offer term and whole life insurance options that can provide financial security, cover expenses, and protect your loved ones’ futures. Our knowledgeable agents will work with you to find the best plan that aligns with your goals, whether you’re just starting a family or planning your estate.

What’s the difference between general liability and umbrella insurance?

General liability insurance covers incidents like accidents and injuries within your business operations, offering primary protection against liability claims. Umbrella insurance, however, acts as additional coverage, extending beyond the limits of standard liability policies. This extra layer can protect your assets in high-cost claims, providing broader security for your peace of mind.

Can you explain what a Business Owner’s Policy (BOP) includes?

A Business Owner’s Policy, or BOP, is a convenient insurance package tailored for small to medium businesses. It typically combines general liability and commercial property insurance, covering risks like property damage, liability claims, and business interruptions. This bundled approach provides cost-effective protection while simplifying your coverage. Whether you own a retail store or a service-based business, a BOP helps safeguard your assets with comprehensive security.

Do you offer employee benefits insurance?

Absolutely. We understand how essential it is for businesses to attract and retain quality employees. Our employee benefits packages provide options for health, life, and disability coverage to support your workforce’s well-being. We’ll work with you to create a benefits plan that suits your business’s needs and budget, helping you protect your team and enhance your company’s appeal to future employees.

What types of Medicare supplement insurance do you offer?

Medicare supplement insurance, or Medigap, is designed to fill the gaps left by Original Medicare. Our offerings include coverage for out-of-pocket expenses like copayments, deductibles, and coinsurance. Whether you’re new to Medicare or looking to enhance your current plan, we’ll guide you through selecting the best supplemental plan for your healthcare needs, so you’re prepared for any medical expenses.

How do I get started with Garry Insurancenter?

Starting with us is easy! Simply contact us through our website, give us a call, or visit our St. Paul office to chat with one of our team members. We’ll take time to understand your insurance needs and provide personalized advice on the best coverage options. Our goal is to make the process simple, friendly, and entirely focused on what’s best for you. Whether you’re a first-time client or looking to review your policies, we’re here to help.