The importance of business insurance
There are many types of business insurance that cover a variety of exposures. Because each business varies in size, scope, and operations, a custom insurance plan is needed. At Scheff Insurance, we’ll explain your coverage, why it’s important, and help you find great rates by automatically comparing quotes from up to 20 top insurance companies. Contact us or get quotes to get started.
Coverage
Custom business insurance plans
Get a business insurance plan customized to meet your needs. There are many coverage options available. We’ll help you figure out what coverage to consider, what it means, and why it’s important.
Commercial Auto
Covers business vehicles and employees while driving for work.
General Liability
Covers injury or damage your business causes to another person or company.
Commercial Property
Covers physical damage to your building, signs, inventory, office furniture, and other business property.
Commercial Umbrella
Covers liability claims in excess of the limits of your underlying policies.
Worker’s Compensation
Covers medical expenses and lost wages for employees that are hurt or made ill from work.
Professional Liability
Covers claims by clients of negligence, malpractice, or misrepresentation.
Inland Marine
Covers tools and equipment that travel with you to job sites.
And More
There are even more optional coverages that might be right for you.
Common questions
Commercial auto is for more than semi trucks and heavy equipment. If you travel to job sites, carry passengers or property for hire, or your vehicle is owned by the company, you may need commercial coverage.
If your MN business has employees, worker’s compensation coverage for each employee is required by law. Coverage is optional for the business owner.