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Featured Blog Postings

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Safe Winter Driving in Snow, Sleet & Ice

Severe winter weather can be both intimidating and dangerous for automobile travel. The Federal Highway Administration estimates that over 500,000 automobile accidents in the United States are caused each year by snow, sleet, and ice on the nation's roads, highways, and freeways. And nearly 2,000 motorists per year are killed due to these treacherous weather conditions.

Know Before You Go

During the winter season, prepare yourself to safely drive your vehicle in cold weather conditions:

  • Never warm up the vehicle in an enclosed area, such as a garage, even with the garage door open.
  • Check your vehicle’s antifreeze, battery, and windshield wiper fluid.
  • Keep tires properly inflated and check the treads.
  • Make sure your vehicle’s headlights, taillights, and flashers work as expected.
  • Dress warmly, keep your charged cell phone by your side, make sure you have at least half a tank of gas, and bring an emergency kit with you. Include items such as blankets, jumper cables, a shovel, a flashlight, salt, and water as part of your kit.
  • If planning a long-distance trip, check the weather report and delay the trip if bad road conditions are expected. 

Staying Safe on the Winter Road

To help in case you encounter a dangerous situation on the road this winter, here are some winter driving tips: 

  • Accelerate or decelerate slowly on snow or ice. Drive slower than normal.
  • The normal following distance of 4 seconds for dry pavement should be raised to 9 or 10 seconds for winter weather conditions, giving you a wider safety margin.
  • Try not to power up hills, since applying extra gas on snow or ice-covered hills can start your wheels spinning. Instead, try to get more inertia prior to the hill since this momentum will help carry you to the top.
  • Do not use cruise control when driving on ice and slippery surfaces.

Prepared for Winter Driving Challenges

Emergencies happen, so here are some tips to keep in mind:

  • If you become snowbound, stay with your vehicle and phone for help.
  • Tie a brightly covered piece of cloth to your antenna or place a cloth at the top of a rolled-up window to signal distress.
  • Put your emergency flashers on. If possible, periodically start the engine and heater to maintain some level of warmth in your vehicle.

Review your auto insurance coverage to make sure you are covered for damage to vehicles from falling ice and tree limbs. Contact your IMT Agent if you have any questions about your car insurance policy.

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Tips for Using a Turkey Fryer Safely

Delicious deep-fried turkey, historically prevalent in the southern states, is growing in popularity as a way to prepare this poultry for a meal. But the turkey fryer used to create this succulent dish is often unsafe and common cause of home fires.…

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Common Insurance Questions When Traveling

When vacationing or traveling, including when you travel abroad, you may have some questions about insurance coverage while you traverse the globe. Read on for some questions you may have when planning your trip.

What if my personal property is lost …

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New Diamond Ring? New Policy Coverage!

When you are celebrating a fairy tale proposal or exciting engagement, love and promise are in the air! You are likely sharing the news with family, friends, and special connections. You might even be posting about it on social media. But did you re…

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Keep Your Public Playground Equipment Safe

The U.S. Consumer Product Safety Commission (CPSC) established guidelines to promote public playground safety. This comprehensive handbook is intended to promote increased safety awareness for anyone purchasing, installing, or maintaining a public p…

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Safety on the School Bus

Some 25 million students nationwide begin and end their day with a trip on a school bus. Designed for safety, with flashing lights, giant mirrors, high seat backs and that bright yellow color, school buses keep more than 17 million cars away from sc…

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Public Swimming Pool Safety

Nothing beats the summer heat like enjoying a day at the swimming pool! Before you do a cannonball into the water, brush up on your pool safety tips and check to see if your public pool meets state requirements.  

Safety in the Pool

The…

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Greg Blythe Named IMT President & CEO

Effective July 10, 2025, the IMT Board of Directors appointed Greg Blythe as the company’s President and Chief Executive Officer. This decision followed a comprehensive and rigorous selection process led by the Board’s Nominating and Gover…

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Firework Safety

Fireworks and the Fourth of July have become a long-standing tradition in America, beginning during the first organized celebration of Independence Day in 1777. Today, the best (and safest) way to enjoy fireworks is to attend a public firework show …

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Our Guide to Understanding Your Auto Insurance Policy

An auto insurance policy, like most legal contracts, includes various provisions and stipulations that can become confusing. This guide will share common coverages in a policy, including basic information about personal auto insurance. Be sure to re…

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Tips to Stay Safe While Boating & Canoeing

There are thousands of recreational boating accidents per year. Contributing factors to these accidents include traveling too fast for water or weather conditions, driving under the influence of drugs or alcohol, failing to follow boating rules and …

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Overview of Rental Car & Auto Insurance

The reasons to rent a vehicle are many, including during a vacation, enjoying a road trip, needing a temporary replacement, or trying a different type of automobile. So, when you are renting a car, how do you know what insurance you need? 

Is Yo…

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July is National UV Safety Month!

The summertime often inspires activities outdoors, with an increased time in the sun. Your body's largest organ is your skin! It protects you against heat, sunlight, injury and infection. The sun’s ultraviolet (UV) rays can damage your skin in as li…

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Grilling Safety Tips & Grill Readiness

Outdoor grilling is a popular way to cook, especially in the warmer weather months, but it also a common fire hazard or can cause burn injuries. Summertime tends to see an increase of grill fires, with July being the traditional peak month. Read on …

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Memorial Day Kicks Off Dangerous Driving Season

Longer daylight hours, better driving conditions, and vacation plans mean more people are hitting the road for travel. Memorial Day commences the most dangerous season of the year on the road. More auto accidents occur during the summer months than …

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March is National Ladder Safety Month

They are everywhere and chances are you've used one. From changing out a lightbulb to getting on top of a roof, ladders are a common piece of equipment used in almost every home or building and appear to be harmless. But thousands of people are kill…

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When Traveling for Summer Vacation, Keep Your Home Safe

Your summer plans may include traveling away from home to escape the heat (or soak in the sun). Sunshine, mountain vistas or ocean waves may help you relax and recharge. Before you pack your bags for summer trips you should evaluate your insurance r…

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Check Your Home for Necessary Seasonal Repair This Spring

As the season turns to spring, it is a good time to check your home and see how the winter months have impacted your property. Once the snow, ice, wind, and freezing temperatures subside, that is a great time to check for any seasonal repairs are ne…

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Why Your Small Business Needs a Safety Program

The size of your business does not impact the need to make safety a top priority for your organization. It could be argued that the smaller the business the more important safety becomes. The average cost for all claims combined for accidents that o…

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Potential Fire Risks in Your Home During the Holiday Season

Holidays in the winter can be magical, but also can introduce fire hazards in your home. To prevent and prepare, check out the potential risks that may be present in your home during the holiday season. 

Take Care When Decorating

When decorating …

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How to Prepare for a Tornado & Tips to Remain Safe

A tornado is a rotating, funnel-shaped cloud with whirling winds that can be up to 300 miles per hour. Tornadoes, which spin off from powerful thunderstorms, can devastate property and neighborhoods in seconds. They can cause injury and, in some cas…

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Running a Home-based Business? Revise Your Homeowners Policy

Home-based businesses are becoming increasingly common, especially with increased access to technology. Running business out of your home can be convenient and full of opportunity. But did you know it also changes the loss exposures and characterist…

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Severe Thunderstorm? Stay Alert for Lightning

Thunder and lightning storms happen all the time. If you hear thunder, that means you are within striking distance of lightning. Lightning strikes and lightening fires can be destructive. If a person is struck by lightning, call 9-1-1 and get medica…

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Verify Proper Coverage Is in Place for Your Company Car

Many employers provide employees company cars. It is either told or assumed by the employee that insurance issues are covered by the employer. But commercial auto insurance policies are different than personal auto insurance policies. How can you en…

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Children & Carseats: Keeping Kids Safe While Traveling

When traveling with children, doing so safely will require a car seat. Selecting a safe and functional car seat for newborns, toddlers, and children is incredibly important for a child’s safety. Not to mention, it’s the law! Parents know that a stan…

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5 Simple Rules to Help Avoid Injury During Harvest Season

Those in agriculture know that time means money when it comes to yields, production schedules, and operating costs during the harvest season.  However, time can also ensure a safe harvest. Take extra time to perform a specific task safely and p…

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6 Tips to Protect Your Vehicle from Potholes this Winter

Freezing rain and fluctuating winter temperatures can leave roadways littered with potholes, causing vehicle damage and costly repairs for motorists! Potholes tend to form when moisture collects in small holes and cracks in the road surface. As temp…


Additional Articles

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Halloween Food Safety Tips

Halloween may be spooky, but no one wants the treats to turn into treats. Many celebrations include sweets and snacks, to have a real tragedy or accident occur. Keep your Halloween celebrations safe and fun by following these helpful tips.

Keep Trick…

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AM Best Revises Rating for IMT & Wadena Insurance Companies

AM Best has just announced that IMT Insurance Company and Wadena Insurance Company (collectively known as IMT Insurance Companies) was removed from under review with negative implications. The AM Best rating for IMT was affirmed with the F…

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Climate Change + Increased Severity: What It Means for IMT

Founded in 1884, IMT was established by a farmer seeking to provide a way to help address the aftermath of windstorms. Our IMT name came directly from this historical tie to tornadoes. As our organization has grown and evolved over the subsequent ye…

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Summer Lawn Maintenance

Warm summer days includes lawn care around our homes and businesses. As you do yard work outside this summer, please keep in mind the dangers of using landscaping tools. According to the US Consumer Product Safety Commission, injuries from lawn mowe…

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IMT Insurance Begins Phase One of New Business Opportunities

The insurance industry, especially regional insurance carriers like IMT Insurance, have experienced significant challenges the past few years that disrupted and impacted business. Factors like severe weather events, coverage changes by reinsurers, a…

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What To Know Before Hosting a Party

Whether it’s holiday gatherings, graduation open houses, or wedding celebrations, if you are considering hosting a party on your property there are some important insurance-related things to know. 

Special Event Coverage

If you are hosting an eve…

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Is Your Heating System & Fireplace Ready for Winter?

When it’s cold outside, you need to keep your home warm and toasty, but you also want to keep it safe. Heaters, fireplaces, and other methods of warmth can also create fire hazards. While fireplaces may be designed to contain fire, they still requir…

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Beware of Frozen Pipes & Ice Dams

When temperatures drop and water freezes, homeowner issues can become a troubling reality. The damage caused from freezing conditions is typically covered by a homeowner insurance policy, there is usually a requirement that stipulates a homeowner ha…

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What's Your Risk of Being Sued?

Some businesses and individuals have a higher loss exposure to lawsuits. This tendency is often referred to as a suability factor. How suable you are can be determined by examining the following:

  • Growth of business size
  • Wealth indicators including rea…
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Avoid Theft During the Holiday Season

The holiday season can include shopping for gifts. From special deals and online sales, purchasing gifts for others (or yourself) can make the season bright. Unfortunately, the holiday season is also a heightened opportunity for thieves. Below are s…

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Prepare Commercial Properties for Tornadoes & Severe Weather

Severe weather and natural disasters can be devastating. During the spring and fall seasons, there typically is a trifecta of catastrophe risks: flood, tornadoes and hurricanes. While tornadoes can strike anytime, they are most common from March to …

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Oh, Deer! What Drivers Should Know About Animal Collisions

Weather shifts and changing seasons introduces new factors for drivers to consider. Earlier sunsets mean less visible roads and, depending on where you live, a change in weather could result in more rain or snow.  Fall also signifies the season…

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Snow Thrower Safety Tips

Midwesterners are no stranger to snow, but when it comes to snow removal there are some safety considerations to keep in mind. The U.S. Consumer Product Safety Commission (CPSC) wants to keep everyone safe when using snow throwers. There are frequen…

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Which Ice Cleat is Right For You?

Winter brings snow, freezing rain, and sleet. Being prepared for winter weather could save you time, money, and unneeded injury. When conditions deteriorate, are you considering your safety during all day on the job site or even regular transitions …

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Ways to Avoid Frost Bite & Hypothermia

When weather is cold, spending prolonged time in these conditions could put you at risk for frost bite or even hypothermia. From outdoor sports to working outside, being aware of weather conditions will help you plan ahead.  

Frost bite is the m…

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Creating a Home Fire Evacuation Plan

Experts say you may have as little as two minutes (or even less) to safely escape a typical home fire from the time the smoke alarm sounds. Does your family have a home fire escape plan? 

According to the NFPA, less than half of Americans (48%) …

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Top 5 Safety Basics to Know When Using the Internet

Much of business done today is online – with the internet providing convenience for services including banking, shopping, and socializing. Protecting your identity and digital activity is more important than ever. We share some basic changes to make…

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What to Do After You’ve Been Hacked

Identity thieves and cyber criminals focus their efforts wherever the opportunities are, and there are plenty of opportunities across all ages and businesses. As new technology releases and cloud-based services continue to grow, hackers have more do…

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Common Types of Employee Fraud & How to Prevent It

It is estimated that organizations lose five percent of revenue to fraud each year, according to the 2022 Association of Certified Fraud Examiners Report to the Nations study. With billions of dollars lost each year, employee fraud is costly. Below …

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Protect Your Small Business from Cyber Risks

We live in an online world, which includes more unanticipated risks that comes with being connected. Cyber risks like ransomware and email “phishing” are just a click away, and they’re not going away anytime soon. Small and medium-sized businesses a…

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Steps to Take After Natural Disaster & Severe Weather Hits

When severe weather strikes, the extraordinary powers of destruction leave survivors struggling to return to normal. And for some, the idea of normal will never be the same. Following a natural disaster, there is tremendous stress and areas of vulne…

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Fall Season Home Maintenance Tips for Homeowners

The autumn season when leaves turn color and start to fall, along with cooling temperature, is a good time to take care of some annual maintenance around your home. By being proactive, you can avoid costly (and in some cases, dangerous) issues when …

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Business Reset in State of Minnesota

In the time of continued challenge for the insurance industry, the evolving risk landscape in Minnesota has led IMT Insurance to reset business strategy in this state. IMT is focused on underwriting Commercial Lines casualty products, while pausing …

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Industry Disruption Led to Moratoriums, Business Changes

The mission of IMT is to be financially stable so we can fulfill our promises to policyholders and partners. Beginning in 2020, the insurance industry (like so many) experienced rapid change and seismic disruption. The culmination of historic weathe…

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Merger of IMT Mutual Holding Company and Eden Mutual

Effective April 1, 2024, a merger between Vinton, Iowa-based Eden Mutual Insurance Association (Eden Mutual) and IMT was realized. As a subsidiary of IMT Mutual Holding Company, Eden becomes Eden Insurance Company. IMT is a strong supporter of the F…