How Old Do You Have to be to Operate a Boat in Minnesota

Living in the Crosslake or Brainerd, MN area more than likely means you spend time enjoying the nearby lakes and rivers. Boating is a family affair, and, in many cases, the kids love it just as much as the parents. The agents at Lakes Central Insurance Brokers understand that families that boat together often share the responsibilities as well. This means that everyone learns to drive the boat and understand the laws for being on the water.

13 to 18 Years of Age

In Minnesota, a child cannot drive a boat legally until they are 13 years of age. When a child turns 13, they can take control of a boat and drive legally if they are with an adult and have completed a Boat Safety course. These restrictions are in place so that the child has time to learn the laws and understand proper boating etiquette.

18 and Older

After the age of 18, the restrictions are eliminated, and the minor can drive the boat unattended. Although the Boat Safety course is not mandatory for individuals who are 18 and older, it is a good idea to take the course just to become familiar with Minnesota’s boating laws. Many parents choose to take the course with their kids so they can both have the same information.

At Lakes Central Insurance Brokers, agents are always ready to meet with their clients in Brainerd, MN and discuss boating insurance and boat safety skills. Working together with your agent, you will be able to have a fun and stress-free time on the water. Call and set up an appointment with one of the agents today!

What are the benefits of a Minnesota umbrella insurance policy?

Those that live in the Brainerd, MN area are going to have many different forms of personal insurance needs. Many of these forms of insurance, including home and auto, will provide some liability insurance. However, there are situations when those in this area will want to have additional personal liability insurance coverage. For people who want additional liability protection and coverage, obtaining an umbrella policy is a great insurance option as it provides several benefits to the policyholder. 

More Coverage for Significant Claims

One top benefit of this additional personal liability policy is that you will receive more coverage for significant claims. For most people, the coverage that they have in their home and auto policies will be sufficient. However, there is always a risk that an accident could come with damages that exceed the policy limit. If you are found liable for these damages, you will have to come out of pocket. When you have an umbrella insurance policy, you are going to receive the additional coverage to protect you in these situations. 

Covers Different Situations

Another advantage of umbrella coverage is it will give you coverage for more situations. An umbrella insurance policy is designed to be more inclusive of a variety of conditions that could come with liability risks. This will then provide you with valuable peace of mind and coverage.

When you are looking for an umbrella insurance policy in the Brainerd, MN area, you should contact Lakes Central Insurance Brokers. The insurance team at Lakes Central Insurance Brokers can answer any questions that you have about umbrella insurance. We can then review your personal situation and help you to build and get into a policy that will offer you with the right coverage. 

Health insurance covers catastrophic illnesses and injuries

Unless you happen to be Warren Buffet or Elon Musk, you will need a health insurance policy, at least to cover catastrophic illnesses and injuries. Most people are lucky enough to have health insurance through their employer or the government. But for everyone else, as Lakes Central Insurance Brokers, serving Brainerd, MN would like to inform you, some form of health insurance is a necessary precaution to keep from being wiped out by an expensive illness or injury.

Cancer, for instance, can strike both the young and the old. Medical science has developed a whole host of treatments, ranging from surgery, chemotherapy, radiation, to advanced immunotherapies that have brought the hope of longer lives for cancer patients. However, none of these treatments come cheap, and all must be paid for, one way or the other.

Cancer can also create indirect costs in the form of lost work, transportation to and from a healthcare facility, childcare, and so on. When all the costs are totaled, added up, it is often more than an uninsured patient can bear.

Cancer is not the only catastrophic condition that a good health insurance policy can help with. Cardiovascular disease, strokes, and accidental injuries can all take their toll. Even if you believe yourself to be healthy, you really cannot afford not to have a good health insurance policy, just in case the worst happens. The peace of mind that a good health insurance policy can buy you will go beyond evaluation. 

If you have more questions about health insurance and what conditions it can cover, feel free to contract Lakes Central Insurance Brokers, serving Brainerd, MN.

How Life Insurance Benefits Are Paid

Life insurance will help care for your family when you are no longer around to do so. This kind of policy is generally straight forward, but if you are new to the idea of life insurance, you probably have a few questions, including how life insurance benefits are paid. Our staff at Lakes Central Insurance Brokers are here to answer all of your questions. If you live in the Brainerd, MN area, we will help address your concerns and connect you with a life insurance policy that works for you. 

How Life Insurance Benefits Are Paid

This can depend slightly on the policy you use. With some policies, you can cash in before death. So, if you’re interested in this type of policy, make sure to ask about it. In general, when the individual holding the life insurance policy dies, the beneficiaries will file a death claim with the insurance provider. This is a straight forward process and requires a copy of the death certificate. Once the policy is processed, the plan will be paid out per your policy. 

If you have questions about how life insurance affects Social Security benefits, you will want to consult our staff here. 

Care For Your Family After You’re Gone

When you’re gone, you will still want to care for your family. One of the best ways to do this is life insurance. Life insurance will pay out money to your family to provide for them, allowing you to give them one last gift. If you want to learn more about life insurance, how it’s paid out, or if you’re ready to take out a policy, our staff at Lakes Central Insurance Brokers services the Crosslake and Brainerd, MN area and is here to help address all your life insurance needs.

What Auto Coverage is Required in Minnesota?

If you own a vehicle in Minnesota, you’re required to have auto insurance coverage. Auto policies offer both mandatory and optional coverage options to protect you on the road. By discussing these options with an agent from Lakes Central Insurance Brokers in Brevard, MN, you can make wise auto insurance decisions to safeguard your travels. Here’s what you should know about auto coverage in Minnesota.

Required Coverage

Auto liability coverage is required in Minnesota by law. This insurance covers the cost of injuries or property damage to other drivers or pedestrians in accidents that are your fault. Minnesota also requires that you have bodily injury uninsured motorist coverage to help pay for your medical expenses if you’re hit by someone who doesn’t have adequate insurance coverage to pay for these costs.  

Like many states across the country, Minnesota has a no-fault policy when it comes to auto coverage. This means if you’re injured in an auto accident, your insurance company will cover your medical costs up to the limits of your policy, regardless of who was at fault.

Optional Coverage

In addition to required auto coverage, you have a choice of optional coverage to help protect your vehicle from damage or loss. If you drive an expensive car, you’ll want as much protection as you can get to help cover its value.

Collision coverage helps pay for your vehicle repairs when it’s damaged in a collision. Comprehensive insurance protects your car from theft and covers damage caused by non-collision incidents such as hail, falling debris, animal strikes, and vandalism. Roadside assistance helps pay for towing costs if your car breaks down unexpectedly, making sure you get to a garage safely for repairs.

Contact Lakes Central Insurance Brokers in Brainerd, MN today for the essential auto insurance coverage you need to keep you safe on the road.

Important questions to ask your agent about your business insurance policies

If you are a small business owner in the Crosslake or Brainerd, MN area, one of the most critical actions you can take to protect your business is to make sure you have a comprehensive insurance package in place. The agents at Lakes Central Insurance Brokers are available to answer all the questions you need to be asking before deciding on an insurance package for your business. 

What type of insurance policies does my business need? 

Since no two businesses are alike, there is no one size fits all insurance policy. Depending on the nature of the company, you should consider a mixture of the following coverages.

General Liability 

General liability is one coverage that most businesses need to carry. It will protect you in the event you are sued by a third party as a result of injury or property damage. 

Professional Liability 

Professional liability is vital for businesses that provide services to clients. The coverage will protect you in the event you are sued by a client for failure to provide the services as required by the contract. 

Workers compensation 

Workers’ compensation coverage is vital for businesses that have employees. Worker compensation will cover your business in the event an employee is injured on the job. 

If you require all three coverages, you may be able to purchase a combined business policy that will bundle multiple coverages under one policy. 

What is the insurance claims process?

In the event your business suffers a loss that is covered by insurance, it is critical to know how to file a claim. The quicker you pull together the necessary paperwork to file the claim, the more quickly it will be processed, and you will receive the proceeds. 

If you are a business owner in the Crosslake or Brainerd, MN area, and are interested in learning more about an insurance package to help protect your business, reach out to an agent at Lakes Central Insurance Brokers today. 

Tips to avoid the most common homeowners’ insurance claims

While an insurance policy is a crucial tool to protect homeowners, residents of the Brainerd, MN area should also know it is essential to take various steps to prevent insurance claims in the first place. The agents at Lakes Central Insurance Brokers are happy to provide you with these crucial tips to lower the risk of a claim under your policy.


Fire is a widespread claim made under homeowners’ insurance policies. One of the best ways to help stop a fire from spreading and causing significant damage is by making sure your smoke detectors are operational. It is a good idea to check the detectors and replace the batteries twice a year. 


Another common homeowner policy claim is theft and burglary. One of the best ways to deter burglars is by installing a security system in the house. Also, it is a good idea to have outdoor lighting. As a homeowner, it is important to be in the habit of making sure all the windows and doors are locked when you leave. 

Water damage

Water damage in homes is also a top type of claim for homeowners. If you spot a leak or see water pooling in an area, make sure to bring out a plumber immediately. A small leak can quickly turn into a more significant problem. Washer hoses are also a leading cause of water damage in a home. Homeowners should regularly check the washer hose and repair and replace it as necessary. 

Third-party liability claims 

When a third party is injured on your property, it can easily lead to a costly insurance claim. It is essential to make sure your driveway and walkways are clear from debris, so people do not fall. 

If you are a homeowner in the Brainerd, MN area and are interested in learning more about ways to reduce the likelihood of an insurance claim, please reach out to an agent at Lakes Central Insurance Brokers today.