People that live all over the Little Falls, MN area are going to have a variety of different personal insurance needs. An important form of insurance coverage to consider getting is life insurance. This type of protection can offer many benefits including the ability to protect those that rely on you. There are a few different reasons why people here will need to get a life insurance plan.
Protect Those that You Care About
A reason that you should get a life insurance plan when you are in Minnesota is so you can protect those that you care about. If you would like to get this coverage here you can build a plan that is curtailed to meet the needs of your dependents. This can include handling the future costs associated with housing, higher education, or even retirement.
Conservative Investment Alternative
If you would like to get a life insurance plan in Minnesota you will also find that it offers unique investment benefits. When you get a whole life insurance plan a portion of your monthly payment will build up in an account that you can liquidate in the future. This account will continue to build with interest and offers little risk to the investor. This can be a good addition to any personal investment plan.
Having life insurance in the Little Falls, MN area is very important. When you are in the market for a new policy, it would be a good idea to call Hanneken Insurance Agency Inc. When you do call Hanneken Insurance Agency Inc. you can learn more about your different life insurance options and the benefits of having coverage. This can help you pick a policy that is right for your situation and provides ideal life insurance coverage.
You have put your money, hard work, and heart into your business and you will want to protect in any way you can. One of the main ways to provide protection for your business is through commercial insurance and the agents at the Hanneken Insurance Agency Inc. in Little Falls, MN can provide you with the information you need to obtain the commercial insurance policy that is best for you and your business.
Workers’ Compensation Insurance
In Minnesota, if you employ people to work at your business, you must either maintain workers’ compensation insurance or become self-insured to cover any injuries to your workers that occur on the job. This will also cover any lost wages your employees experience while being off work due to an injury or illness that occurred due to their job.
Commercial Auto Insurance
Under Minnesota law, all motorists must at least have an auto liability insurance policy in place and this includes vehicles that are owned by your business. If personal vehicles are used for your business, you should ensure that the owners of those vehicles have at least an auto liability insurance policy in place.
General Liability Insurance
If you rent the space in which your business is located, the property owner will probably require you to have this type of policy in place. Even if you own your business space, it is a great idea to have liability insurance to be on the safe side. For example, if a customer is injured while visiting your business, this type of insurance will cover their medical bills. It also protects you and your business if a product that you produce injures someone or if an employee of your business causes an accident to happen that injuries someone or causes property damage.
Other Coverage Options
There are several commercial insurance options you can also choose to have in place, including business interruption insurance, property insurance, cyber liability coverage, and management and employee practices liability insurance.
To obtain a quote or to make an appointment with an experienced commercial insurance agent, call the professionals at the Hanneken Insurance Agency Inc. in Little Falls, MN today!