Van Handel Insurance Agency

The kids are heading back to school, the summer months are coming to an end, and routines are kicking back in. This transition makes it a natural time to ensure your commercial coverage keeps pace with where your business is right now.

If it has been a while since your last coverage review or if your insurance needs are shifting, we are here to help. Give us a call today and let us take a look together.

As families settle into spring routines here in Wisconsin, our team at Van Handel Insurance Agency wants to share a few seasonal road safety reminders to keep everyone protected on the road.

This time of year brings changing traffic patterns, more pedestrians, and increased activity around schools and neighborhoods. A little extra awareness can go a long way.

Here are a few things we encourage our clients and community to keep in mind:
- Slow down in school zones and residential areas
- Watch for kids walking or biking as the weather warms up
- Give yourself a few extra minutes during busier morning and afternoon hours

Staying alert and looking out for one another is one of the simplest ways we can help keep our roads safe.

If you know someone who could benefit from these reminders, feel free to share this post. And if you ever have questions about your auto insurance or road safety coverage options, our team is always here to help.

Getting married means building a life together, and protecting it should be part of the plan. Life insurance is one of the most important ways to help safeguard your shared financial future and provide stability no matter what comes next. Swipe for some key life insurance considerations for newlyweds.

Starting your journey together with the right protection in place can make all the difference. Contact us today to learn more about your life insurance options and find coverage that fits your goals.

If your business provides services or advice to clients, professional liability insurance, also known as errors and omissions insurance, is one of the most important coverages you can carry. Swipe through for a quick overview of what this coverage is, which businesses need it, and why it matters.

If you have questions about your professional liability coverage, reach out to us today. We are here to help you stay covered and protected.

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most common questions we hear from those nearing retirement is around the timeline for signing up for Medicare.

So, we wanted to share a few important reminders to help you stay on track:

✅Know your enrollment window. Your initial enrollment window lasts for seven months — three months before your 65th birthday, your birthday month, and three months after your birthday. Enrolling early in this timeframe can help ensure your coverage begins right when you need it.

✅Understand how to sign up. Some individuals are automatically enrolled in Original Medicare, while others need to take action themselves to enroll in Original Medicare. This often depends on whether you are already receiving Social Security benefits.

✅Do not delay without a plan. Waiting too long to enroll without qualifying coverage can result in delayed coverage start dates and ongoing late-enrollment penalties.

✅Be aware of other options. If you are still working and covered under an employer plan, you may qualify for a Special Enrollment Period that can allow you to defer your enrollment. However, missing all enrollment windows can limit your options and increase costs, so it's best to clarify this early.

Medicare decisions can feel overwhelming, but you do not have to navigate them alone. Whether you are approaching 65 or are simply evaluating your options, contact us for guidance tailored to your situation.

Understanding the difference between term life and whole life insurance can feel overwhelming, but you're not alone. Our team at Van Handel Insurance Agency breaks it down every day for clients who are exploring life insurance for the first time.

Here's a simple way to think about it:
• Term life provides coverage for a set period of time
• Whole life lasts a lifetime and builds cash value

The right fit depends on your budget, your goals, and how you want to protect your family. If you'd like help figuring out what works best for you, our team is always here to talk.

Have questions? Reach out anytime.

Running a business means juggling a lot of responsibilities, and making sure you have the right protection in place is a big one. That’s where commercial umbrella insurance can give you extra peace of mind.

Our team put together a quick overview to help you understand what this coverage adds on top of your existing commercial insurance and how it can help safeguard your business long-term.

If you’re wondering whether a commercial umbrella policy is a good fit, we’re always here to talk it through. Give our office a call anytime — we’re happy to help.

Summer can be a busy season for many businesses, with more customers through the door, more seasonal staff on the floor, and more events that could expand your liability exposure.

That means now is a good time to review your commercial coverage and ensure it keeps pace with your business. Our team is here to help you do just that.

Give us a call today, and we can talk through additional coverage options that could make sense for you and your team.

Before the grill is lit and guests begin to arrive, it’s worth asking an important question: If an accident happens on your property, is your current homeowners coverage prepared to respond?

Swipe to see some insurance considerations to keep in mind before you host a party this summer.

If you are planning to host this summer, now is the time to review your coverage and identify any gaps. Give us a call today. We’re here to help make sure you’re ready to welcome guests to your home this summer.

Summer can be a season of big adventures. However, bigger summers can mean bigger risks too.

Whether you are hitting the road, hosting friends and family, or enjoying a new boat or RV, your personal insurance should be ready to fully protect you.

Not sure your insurance can keep up this summer? Give us a call, and we can talk through any additional coverages you’d like to layer on or new policies you’d like to add to your portfolio.