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Commercial Insurance in Minnesota
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For businesses in Chaska, MN, commercial insurance policies provide an assortment of coverages. There are policies that will provide protection if one of your employees is injured while on the job. Others will cover injuries caused by a salesperson's car accident while out on a sales call. Often, businesses have several different insurance policies to protect them from the many dangers they face. Here is a look at some of the most common types of commercial insurance.
Minnesota Commercial Auto Insurance
Just as individuals need personal auto insurance policies, businesses that give employees vehicles need commercial auto policies. In many ways, commercial auto insurance is similar to personal car insurance, but a commercial policy might have slightly different limits and exclusions. Should you need any help understanding a commercial policy's terms, contact one of our independent, Chaska based agents for assistance. Our commercial auto carriers include Berkshire, Integrity, Progressive & Travelers.
Minnesota Commercial General liability Insurance (CGL)
Providing broad liability coverage, commercial general liability insurance (CGL) insures companies against a range of claims. The specific terms of your policy will determine its coverages, but most policies include protection against:
- Injuries sustained on company property
- Claims of libel or slander that arise from advertisements
- Harm caused by manufactured products
- Minnesota Commercial Property Insurance
The items covered under most commercial property insurance policies include much more than a company’s buildings. They may also encompass the company’s equipment, raw materials and unsold product when stored on company property.
Minnesota Workers Compensation
Should an employee be hurt while working, workers compensation would likely cover the expenses associated with diagnosing and treating the injury. The injury has to qualify under the workers comp policy, of course. A policy may cover all expenses associated with qualifying injuries, though. This is a policy that is often overlooked because a business owner may think the business is "too small". If you have questions about specifics don't hesitate to pick up the phone and give us a call.
Minnesota Business Owner Package (BOP)
There is not one single policy that will meet all of the insurance needs of businesses in Chaska, MN. Commercial insurance agents at our agency, therefore, often put together business owner packages (BOPs). When you contact our independent agency, one of our agents will shop around for the best commercial auto, general liability, property and workers compensation policies. We’ll package them all into a single BOP, which you can then easily review.
Working with us at the Martinson Agency makes the entire commercial insurance buying process simpler, thanks to our BOPs. Contact the Martinson Agency today to get started.