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NuLine Insurance Services is dedicated to finding you the right insurance to insure your growth. We provide quality auto, home, business, and ag insurance.

Business Spotlight


Lake Region Dock and Lift
This time of year people are preparing to take their docks out of the water for the season. Mick Thompson, of Harvey, has been a ND dealer of floating docks since 2019. We asked how Mick got started…"it all started with a storm." During a storm that year, his permanent dock and boat incurred over 10,000 in damages. After that, he started researching online for a simpler, more effective dock system that would withstand the weather elements better. He found a floating dock available in MN. After he installed one, he realized floating docks are a huge game changer. Seeing there was such a need in the area and no dealer in ND, he decided to try his hand at selling them here. Along with selling, he installs them on his own (they're that easy!), services and removes them in the fall if needed. In addition to the docks, he also sells boat lifts, jet ski lifts, swim platforms and canopies. There are many benefits to the floating dock system, including no rust or corrosion, they are better to walk on with a no slip surface, a 10 year manufacturer guarantee and they stay in place no matter how much the water fluctuates. One of the biggest benefits is the system does not have to be adjusted to different heights, as it automatically does. If you would like Mick to share more information or pricing, he encourages anyone to reach out! Check out his website: lakeregiondockandlift.com
Mick can be contacted by Facebook, phone or email
Ph: 701-341-0203 Email: mickt69@msn.com

Recipe of the Month

Pineapple Shrimp Fried Rice
Ingredients:
2 Tablespoon Olive Oil
2 Teaspoons sesame oil
1 pound shrimp
Salt and pepper to taste
2 bell peppers diced
1/2 cup chopped green onion
2 cloves garlic
1 can pineapple chunks, juice reserved
2 cups leftover rice
3 tablespoons soy sauce
2 tablespoons pineapple juice
Instructions:
Heat 1 tbsp. of the olive oil and 1 tsp of the sesame in a large skillet. Once the oil is sizzling hot, add the shrimp in a single layer. Cook for 1 min, adding salt and pepper to taste, then flip for one more minute. Use a slotted spoon to remove the shrimp to a plate. Heat the remaining olive oil in the skillet and when it is hot, add the peppers and cook for 3 min. Add the green onions and garlic, cook stirring constantly for one min, then, stir in the leftover rice. Spread the rice out in the pan into the single layer and cook for 2 min. Add the pineapple chunks to the pan. Drizzle over the soy sauce, pineapple juice, and sesame oil, and mix everything. Remove the pan from heat and stir in the shrimp. Serve immediately. Enjoy!

Claim Corner

Insurance is not designed to cover everything. Every claim or situation is unique and will not always have a black and white outcome. Insurance companies try and help make the customer whole and are always on the side of the insured, but depending on how the policy is written, it can not al-ways be favorable. A great example of this is a blown car tire. People have a misconception that a blown tire would be covered completely, if you have comprehensive coverage. If your blown tire causes an accident or damage to your vehicle, there would be coverage if you have comprehensive coverage. You will not, however, be able to buy a new set of tires on the insurance companies dime. Tire damage from normal wear and tear isn't covered by auto insurance. I recently had an experience with a customer whom bought all new appliances for their home. He inquired if they could be turned into his home insurance. My first question was, what was the circumstances that led him to purchase the appliances. Insurance does not cover items that are simply old and have reached their life expectancy. Typically, homeowners insurance policies cover appliances lost or damaged due to a covered incident. An example would be a lightning strike or fire. When I explained this to our insured, it prompted him to look over his policy and understand his coverages a little better. Make it a policy, to check your policy!


Prepare to Protect


By Amy Haldorson
National Preparedness Month is an
observance each September to raise
awareness about the importance of
preparing for disasters and emergencies that could happen at
any time. I like to consider myself pretty prepared for all
disasters. I had plenty of food stockpiled during Y2K and plenty
of toilet paper during the height of Covid. The Federal
Emergency Management Agency created National
Preparedness Month three years after September 11, to
encourage every American to plan for emergencies. When my
kids were younger we had many talks about being prepared
during an emergency, especially in case of a fire. Its so
important to have a plan of action for your family. I was
explaining the importance of fire safety to my children and
decided to do an escape plan. What would you do if you woke
up in the middle of the night and smelled smoke? Would your children know what to do? At my home, we made a meeting place outside, then we practiced. It took a few times. As I was standing at our meeting place waiting for my kids come, I saw them running with so many toys and bags that I could not see their faces. I had four crying kids when I explained the stuffed animals had to stay behind. I'm not entirely certain they will listen when the time comes, but I'm hopeful. Luckily where we live, we do not have to worry about hurricanes, but we do have tornados. Do you know where to go in case of one? These are things to think about. Along with being prepared physically, know the risk of disasters in your area and check your insurance coverage. Learn how to make your home stronger in the face of storms and other common hazards and act fast if you receive a local warning or alert.
I've recently found a really great feature that is available to anymore:
Sign up for preparedness text messages: Text PRE-PARE to 43362 to receive preparedness tips!



Business Spotlight

Fritels Custom Designs


We love to find hidden gems and Fritels is no exception. Located in Knox, ND, Fritel’s Custom Designs is creating designs with you in mind. Travis Fritel had a vision in mind when he started up his side business in June of 2020. He creates many works of art using metal and other materials. Travis is the Ag teacher in Leeds, ND. What started out as a family hobby, has now become a successful business for he and his wife, Jenessa. They do the work themselves out of their shop, which is located 12 miles east of Rugby. Travis creates many personalized pieces, and has a lot of experience with machinery parts, welding and mechanics. He encourages customers to come to him with an idea and he will work to make your dream come to fruition. Custom Designs has many pieces displayed in Rugby businesses and also the Rugby School. Their customer base has grown tremendously in a year and in addition to all over the state, they have served customers in California, Oregon and Minnesota. Fritel’s Custom Designs make great gifts and I personally have my eye on a beautiful fire pit ring. Their website has their contact information and some pricing, but they can also be reached via Facebook and Instagram.
Phone: 701-263-5076 (Travis Fritel)
Check out their website at https://www.fritelscustomdesigns.com


Recipe of the Month

Blueberry baked oatmeal
Ingredients:
1 cup fresh blueberries, fresh or frozen
2 eggs
1 1/2 cup rolled oats
1 tsp baking powder
1/3 cup brown sugar
1 tsp cinnamon
3/4 tsp salt
1 tsp vanilla
1/4 cup butter
1/2 cup milk
Instructions:
Preheat oven to 350 degrees. Spray an 8x8 baking dish with non-stick spray. Add all of the ingredients except for the blueberries to a mixing bowl and stir well to combine. Fold in the blueberries gently so as not to break them up too much, Spread mixture into the prepared baking dish and bake for 30 min or until a knife comes out mostly clean. Spoon into bowls and drizzle with additional blueberries and a drizzle of cream or syrup, if desired. Enjoy!

BUSINESS SPOTLIGHT



RA Customs
What started out as a couple of teenagers with a dream, has now become a full blown business with five employees. In 2018, Ashton Reimche, age 13 at the time, had the idea to make custom clothing for himself and friends. He always had a sense for fashion and thought it would be neat to make his own clothes with his personal style. With a little time and planning and purchasing of printing and sewing equipment, RA Customs was born! Ashton, being the owner, does most of the orders and website activities. His other employees, Jacob, Dylan, Andrew and Ava, help with marketing, graphic design, sales and finances. They all pitch in to help fulfill orders and help with special projects. RA Customs offers a variety of select clothing and accessories. They do custom mugs, shirts, hoodies, cups, shorts, polos and much more. They encourage you to come to them with any ideas and they can come up with a solution. One of their exclusive items is a split hoodie and it is hand sewn by the team! These have been seen on many kids walking the halls of Harvey High School. In addition to local clientele, they have been taking orders out of state. You can reach them via their website https://racustoms.store, Instagram, Facebook or reaching out directly. Ashton said his favorite part of the business so far is seeing how much it has grown. He is appreciative of his hard workers and have gotten great feedback from customers, which helps in their success. RA Customs has recently made some custom items for me and I can attest to their fast and great work! Check them out!

Recipe of the Month

WATERMELON SALAD



"If you're looking for a delicious and unique salad to bring to your summer BBQ, this is it! Its very refreshing!"
Ingredients:
15 oz. watermelon cut into small cubes
2 Tablespoons mint finely sliced
2 oz. feta cheese
1/4 cup red onion finely sliced
1 Tablespoon lime juice
1 Tablespoon balsamic vinegar
Instructions:
Place cubed watermelon in large bowl. Top with mint, onion and feta.
Squeeze lime juice over watermelon. Just before serving, drizzle the balsamic vinegar. Enjoy!
Add arugula instead of mint for a fun twist.

Claim Corner




By Amy Haldorson
It’s the summer of 2021. The weather is right for a late night boat ride and his parents are out of town. The son of our insured thought a midnight cruise with his buddies was in order. What could go wrong? Well, turns out a lot could go wrong. He tried explaining to his dad the next day how his boat got wrecked. He had been driving for years already and felt confident with the boat. But, low water levels this year, led to him hitting rocks with the bottom and caused quite a bit if damage. Our insured immediately panicked, thinking about how this may effect his insurance. Is a child covered when a parent is not with them? The answer is yes, children are covered automatically. It is not required by law to add your child as a driver to your policy, however your carrier may ask and it will not affect the rating. Depending on state law, your child may drive a watercraft at the age of 12 and up if a safety course is completed. In most cases we advise people to add their watercrafts onto their homeowners policy, however, many are nervous for fear of a claim affecting their premium negatively. Some may take out a separate boat policy to add their watercraft for that reason. Most commonly, an agent will add boat liability to your home policy which may also be called watercraft liability coverage. This coverage may help you from paying out of pocket for medical bills and other related costs, like loss of income when someone is injured in an accident you caused with your boat or personal watercraft. Our young man may have lucked out when it came to the insurance side of things with his claim, however, we couldn't help him get out of being grounded.















HOT SUMMER

This spring has been very difficult for our area farmers. Over 50% of the state has been recently facing drought conditions. Parts of North Dakota are experiencing exceptional drought and the number of wildfires in the state has topped the 1,000 mark. During times like this, the best thing people can do is, honor the burn ban. Careless burning is still the number one cause for starting fires, and even with a few days of rain, its not enough to keep a fire from burning out of control. Regardless of a burn ban, there are still ways to have an enjoyable summer. Whether in your backyard or deep in the wilderness, there is nothing quite like the feeling of sitting by a real fire. Campers should "know before you go" and are encouraged to verify if campfires are permitted at the destination they are visiting. If you live or are visiting an area that’s particularly dry, and there's burn ban, there are some restrictions. Anything considered an open fire consists of a solid fuel such as charcoal, wood logs or wood pellets. If you get caught starting an open fire during a fire ban, you can face some serious fines and lawsuits if the fire gets out of hand and damages someone else’s property. There are some good news! In most states, fires fueled by liquid gas are exempt from fire bans and restrictions. Which means that you can usually use propane as a substitute for a wood fueled fire. So, if you would like to enjoy a camp fire in your backyard during these dry conditions, consider a gas fire pit, gas fire ring or gas fire bowl. You can visit North Dakota’s official Burn Ban Restrictions and Fire Danger map to see what counties are under a ban.