Small Business Insurance Saint Cloud MN

This page provides relevant content and local businesses that can help with your search for information on Small Business Insurance. You will find informative articles about Small Business Insurance, including "Insurance For Your Small Business". Below you will also find local businesses that may provide the products or services you are looking for. Please scroll down to find the local resources in Saint Cloud, MN that can help answer your questions about Small Business Insurance.

American Family Insurance
(320) 251-9141
4170 Thielman Ln
Saint Cloud, MN
 
Liberty Insurance Agency
(320) 253-6310
111 7th Ave S
Saint Cloud, MN
 
Allstate Insurance Companies
(320) 251-1383
3717 3rd St N
Saint Cloud, MN
 
Oakwood Insurance Agency
(320) 252-1758
2700 1st St N
Saint Cloud, MN
 
Hess Partners Insurance Agency
(320) 255-0417
31 33rd Ave N
Saint Cloud, MN
 
Apollo Insurance Agency
(320) 253-1122
28 11th Ave S
Saint Cloud, MN
 
Schiller Insurance Agency
(320) 654-6159
1529 W Saint Germain St
Saint Cloud, MN
 
Advantage 1 Insurance
(320) 252-6650
3801 3rd St N
Saint Cloud, MN
 
Granite Equity Partners
(320) 251-1800
122 12th Ave N Ste 201
Saint Cloud, MN
 
Brad Anderson
(218) 724-6520
1131 E Superior St Ste 102
Duluth, MN
 

Insurance For Your Small Business

One of the biggest mistakes small business owners often make is not insuring their business, not getting the proper insurance, or under-insuring their business. Work with both your accountant and your insurance agent to ensure that you make the right choices. Business insurance falls into two categories: Insurance that protects your business, and insurance that protects you and your employees. You will need to take a look at both categories to ensure that you have covered all the bases.



The first type of policy to look at for your business is a Standard Business Owners Policy (BOP). This type of policy encompasses several different types of coverage, and offers the best overall protection for your business. A standard business owner’s policy typically covers property damage, liability, and loss of income due to business interruption. Have your accountant go over the BOP that your insurance agent offers to make sure that it has the coverage that you need.

Business Owners Policies do not cover all of your small business insurance needs - the next type of insurance to look at is automobile insurance. This insurance should cover any vehicles used in the course of your business, such as delivery vehicles and company cars. Automobile Liability insurance is required in most states, for both personal and business vehicles.

A standard business owners policy may include coverage for your equipment, however, if it does not, you will probably want to get a policy that will cover the equipment. For equipment that doesn't fit into other types of coverage, you can purchase a specialized equipment coverage policy. Present a list of the equipment you need coverage for to your insurance agent to find out what equipment can be covered by the different policies available.

For yourself, you will need health insurance, disability insurance, and life insurance. You can also try to find a group insurance package that will enable you to offer thes...

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