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!