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Every business in Little Falls, MN, even if it’s a home business, should have a general liability policy. This policy will cover damages and provide defense if your employees, services, or products cause any property damage or bodily injury to a third party. Besides a general liability policy, there will be some other insurance policies to consider based on your business needs. An agent at Hanneken Insurance Agency Inc. can help determine your risks and the best policies.
Property insurance can be useful if you have your own building or have a lot of business property, such as computers, inventory, or tools. This policy will protect these items from vandalism, theft, and fire.
Workers compensation insurance is necessary for employees in Minnesota and will provide medical benefits and wage replacement for employees who are injured while on the job. Without this, you could face stiff penalties and it not only protects you but your company as well from any legal complications.
Professional liability insurance can also be called errors and omission insurance and will provide damages and defense if you fail to or improperly render any professional services. Businesses that can use this type of insurance are any professional firm, which includes consultants, lawyers, insurance agents, hair salons, and accountants.
Commercial auto insurance will be needed for any company vehicles. You can insure any vans, trucks, or work cars from collisions and damages. If you don’t have company vehicles but employees are driving their own cars for business, then a non-owned auto liability policy will protect your business in the event that your employee doesn’t have insurance or not enough insurance.
A business owner’s policy can package insurance that a business owner needs. Based on specific needs, it can be altered to provide property protection, liability insurance, and vehicle coverage.
Contact Hanneken Insurance Agency Inc. serving Little Falls, MN, to get a quote on commercial insurance.