Commercial Insurance Protection Options for Your Minnesota Business
Regardless of the size of your business in Minnesota, you will need some insurance. At Carver Insurance Group, we help people find the coverage they need for their business situation, whether you are a one-person operation or have thousands of employees.
Getting the Right Policy
Having insurance is a lot more than just having a fire policy on the building. If you own the building, you need that, but if you are renting, it may already be covered. There are still many other things to consider, such as the contents, liability, and a loss of income if you have a lot of damage.
Liability coverage is to protect your company when responsible for bodily injury & properly damage. If someone falls inside your store and is hurt, you could be held liable. If someone uses your product, even in the wrong way, and is hurt, you could be liable anyway. You need liability coverage for what happens on your property, or the want your doing. what happens with the product you are selling. The threat of lawsuit strikes fear into many businesses, but you need not fear if you have adequate insurance. In most cases, planning ahead with the right coverage is enough protection. An umbrella policy extends your coverage limits for catastrophic losses.
If your business building is heavily damaged, your business could have to close for quite awhile, and that could cause irreversible damage to a business. You can get coverage to help you through those times and to help you get the business running against as soon as possible. The contents also need to be covered, and that includes the things you use to make your product and the product itself. If you have business vehicles, you will also need to insure them, especially if you have employees driving those vehicles.
For your business insurance needs in Minnesota, stop by Carver Insurance Group offices and let us help you make sure you have all the coverage you need for your business. Speak with our agents to learn how you can get a quote.