1Reason Insurance Agency

Robert Weinstein wearing red tie head shot with logos of TheStreet, CNBC, Barron's, Forbes, MainSt, MSN Money, The Motley Fool, Stockpickr, The Huffington Post, Fidelity, Chicago Sun-Times, Value Walk, Kitco.Our Commercial Insurance Services Include:
Key Person Business Life Insurance
Worker's Compensation Insurance 
Business Liability Insurance
Business Owner Policy Insurance
Worker's Compensation Insurance
Commercial Auto/ Car Insurance

Our Personal Insurance Services Include:
Auto Insurance
Life Insurance
Long-Term Care Insurance
Homeowner's Insurance
Snowmobile Insurance
Motorcycle Insurance
Personal Umbrella Insurance

1Reason Insurance is managed by Robert Weinstein, a well-known financial and business writer. We're an independent insurance agency serving Michigan, Minnesota, and Wisconsin. You owe it to yourself, and wallet, to compare coverage, cost, and value.

Because we're independent, we represent numerous insurance companies. If fact, if you're searching for business insurance, or car, home, life, or long-term care insurance, we have dozens of companies to choose from, so you can count on and expect the best value and more importantly, the most appropriate in

Featured specialized insurance products include: 

Commercial Auto including Long-Haul Trucking

Contractors including Roofer's insurance, Construction, Electricians, Plumbers, Painters, Power Washers

Scholarship Foundation Insurance (liability, bonding, property, directors & officers liability, accident medical plus)

If you’re a customer who:
•    Wants their personal agent to search for and compare insurance prices, so they don't have to.

•    Prefers to talk to a local agent, not someone working from a large call center far away that may not understand your needs.

•    Wants an agent that is pro-actively discovering changes in your asset protection requirements.  An agent that will look for ways to save you money so you can focus on what’s important to you, instead of becoming an insurance expert.

General Liability Vs. Professional Liability Insurance

What is the difference between general liability and professional liability? General liability and professional liability may seem similar at the surface level, but cover very different types of liabilities. The easiest way I think we can illustrate the difference is to first discuss each and what they cover. General Liability Insurance - A general liability policy will cover your business against claims of bodily injury and/or property damage. For example, a Read More

Two power strips on one shelf with wires running everywhere

Workers’ Comp Requirements – Untangling the Confusion

Workers' Comp Requirements In Wisconsin in basic form with a focus on contractors and sub-contractors. Untangling the confusion between having a workers' comp insurance requirement and adding payroll to your commercial business general liability insurance policies. This isn't a substitute for speaking with an employment attorney and other experts, but hopefully this will help you better understand what may be required of your firm if you're deciding on Read More

Ready, Set, Go for your business marketing

10 Marketing Ideas For Your New Business On a Tight Budget

Starting a business isn't the easiest thing most people do. Forget about all the passion and desire you have, at the end of the process of getting your business off the ground you're most likely going to be ready for sleep, another bottle of aspirin to replace the one (or several) you've used, and up to your eyeballs in credit card (and other) debt. If you started a business from scratch and the above doesn't describe you now or before, count yourself lucky. As Read More

Workers Compensation in Wisconsin

In 1911, Wisconsin adopted a Workmen's Compensation Act. It was one of the first in the country. Most Wisconsin employers are required to carry worker's compensation insurance unless they qualify for self-insured status. In return for providing worker's compensation insurance, employers receive the assurance they will have a limited amount of liability for damages, medical care and lost wages if a workplace injury or death occurs.  While not perfect (what is Read More

Minnesota Workers’ Comp Pool Alternative

Do you or your business have a workmans' compensation policy in Minnesota's Assigned Risk Plan?  You may be able to save money by giving us a call, regardless of your size or loss history. Get a Workers' Comp Insurance Quote From multiple Carriers Now What is Workers' compensation? Workers' compensation insurance is a state required form of protection that covers work-related injuries , illness, (and/or death) expenses that Read More

Power Washer Business Insurance

Power Washing Business Insurance  If you're operating a power washing business, or thinking of starting one, you should give considerable thought to having an insurance policy that protects you and your clients in case an accident occurs. Power washing can consist of buildings, boats, cars, roofs, and windows to clean or remove paint and other unwanted coatings.  As a power washing contractor, what you don't know can and at some point likely will hurt you Read More

General Liability Insurance, What Type of Coverage Offered

In today's business environment, the fear of a lawsuit is not a matter of if, but when for most business owners. Business liability insurance coverage is no longer a discretionary expense, and operating a company without general liability insurance literally places the entire business at risk every day. Since no one wants to see their hard work vaporize overnight, almost all businesses that are profitable or have assets will want to protect future earnings with various Read More

Unemployment Insurance Requirements for Wisconsin – UIAN

For many employers in Wisconsin, receiving an Unemployment Insurance Account Number from the Wisconsin Department of Workforce Development is a requirement. The rules and laws change from time-to-time, so make sure you check with the state before making a determination if you as an employer are subject to unemployment insurance laws and regulations. Because 1 Reason Insurance works with so many new businesses, we get asked often how to setup LLCs, get a Federal Employer Read More

View from Driver's Seat

Income Tax Options for Your Limited Liability Company – LLC

LLC owners have four distinct tax options for their LLCs. Knowing which road to take may have a huge impact on your income tax liability. LLCs are definitely the rage. My majority of my business insurance clients in Minnesota, Michigan, and Wisconsin are using a Limited Liability Company (LLC) entity structure. The first decision to use a separate entity is usually the correct one. That's good compared to the unlimited liability and financial exposure sole Read More


How To Start a Limited Liability Company LLC In Minnesota

If you're thinking of starting a business or changing your sole proprietorship into an LLC, you most likely have a name for your business. If not you will want to think of one that you believe will capture what your business is about. All Limited Liability Companies, more commonly known as LLCs, need to have the words "Limited Liability Company" or "LLC" as part of the name. That puts everyone on notice that the entity they're engaging with is a Read More

Starting a Corporation or Limited Liability Company In Wisconson

Starting a Corporation or Limited Liability Company In Wisconsin and receiving a federal employer identification number isn't very difficult if you know where to find the forms and state information.  I provide so many people with links to the various website portals that I decided to create a post that people can easily use to get their business started as a corporation or limited liability company LLC. The first step is figuring out what type of entity Read More


5 Cheap and Easy Ways To Improve Your Website SEO Performance Right Now

Search engine optimization and ranking can appear overwhelming at times. Business owners I talk to fall into two camps. The first are owners who grudgingly pay their web hosting bill each month because they believe they need to have a website. Their websites generate little or no business and is more or less "set it and forget it". These owners don't know how much traffic or business, they receive as a result of their website. Reviewing traffic patterns Read More

Back To School Tips

It’s August and back to school season is just around the corner.  Are you prepared?  Here are a few tips to get you and your family ready “insurance” wise! Talk About Safety!   Do you have young children who will be walking or riding their bike to school?  Take time to talk about safety and do a “dry run” of the school route.   Have your children practice following the sidewalks, understanding the traffic lights, Read More

I’m moving! What should I do about my insurance?

Getting ready to move soon?  Here’s what you need to know about your home and auto insurance before you go! Auto Insurance Changes Your auto insurance rates are based on the zip code you currently reside in which means that moving can affect your insurance rates!   If you are moving to a new residence locally, just call us around the time of your moving date so we can update your policy with the new address.  This way you know you’ll Read More

New 144-Unit Affordable Senior Housing Community Complete in Baton Rouge, La.

BATON ROUGE, La., July 27, 2016 (GLOBE NEWSWIRE) -- WNC, a national investor in real estate and community development initiatives, announced today the completion of Cypress Springs, a new 144-unit affordable senior housing community in Baton Rouge, La. WNC provided approximately $6.1 million in low-income housing tax credit (LIHTC) equity to fund the development. Located at 8200 Cypress Road, Cypress Springs includes three buildings comprised of 76 one-bedroom units and 68 two-bedroom Read More

Elevate Mortgage Group Gains FHA Eagle Approval

MIDVALE, Utah, July 27, 2016 (GLOBE NEWSWIRE) -- Elevate Mortgage Group is pleased to announce that it has this month received FHA Full Eagle approval. This anticipated and welcome news for the company means that it will be able to perform all lending functions in-house without the need for a sponsor company. Elevate can now originate, underwrite, fund, service, and/or own FHA insured loans. Elevate previously operated as a correspondent and only originated loans that were underwritten by Read More

Retail Opportunity Investments Corp. Agrees to Sell $200 Million of Senior Unsecured Notes Due 2026

SAN DIEGO, July 27, 2016 (GLOBE NEWSWIRE) -- Retail Opportunity Investments Corp. (NASDAQ:ROIC) (The “Company”), announced today that it has agreed to sell $200 million principal amount of 3.95% Senior Unsecured Notes in a private placement. The Company expects to issue the notes in September 2016. The notes will mature on the ten year anniversary of their issuance. Proceeds from the financing will be used to repay amounts outstanding under the Company’s $500 million revolving credit Read More

Retail Opportunity Investments Corp. Reports Strong Second Quarter Results

SAN DIEGO, July 27, 2016 (GLOBE NEWSWIRE) -- Retail Opportunity Investments Corp. (NASDAQ:ROIC) announced today financial and operating results for the second quarter ended June 30, 2016. HIGHLIGHTS ▪      Net income of $8.6 million, or $0.08 per diluted share ▪      17.4% increase in FFO(1) per diluted share to $0.27 (2Q’16 vs. 2Q’15) ▪      $181.8 million of grocery-anchored shopping centers acquired during 2Q’16 ▪      $289.4 million of grocery-anchored acquisitions committed Read More

CoStar Group Grows Second Quarter Revenue 21% and Drives Expenses Down 6% Year-over-Year

WASHINGTON, July 27, 2016 (GLOBE NEWSWIRE) -- CoStar Group, Inc. (NASDAQ:CSGP), the leading provider of commercial real estate information, analytics and online marketplaces, announced today that revenue for the quarter ended June 30, 2016 was $207 million, an increase of 21% over revenue of $171 million for the second quarter of 2015. Cost of revenues and operating expenses were reduced by 6% in the second quarter of 2016 to $179 million versus $191 million in the second quarter of Read More

SRS Real Estate Partners Expands National Net Lease Group into Chicago Office

NEWPORT BEACH, Calif., July 26, 2016 (GLOBE NEWSWIRE) -- SRS Real Estate Partners (SRS), North America's largest commercial real estate firm exclusively dedicated to retail services, has announced that it has established a new arm of the National Net Lease Group (NNLG) in SRS' Chicago office with the addition of four new team members. Joining the NNLG in Chicago are Dan Elliot, Sean Lutz, Chris Migely and Tara Tolomeo, who together provide full advisory services for net lease investors in Read More