Business Insurance

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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.

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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

Do I need commercial auto insurance?

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.

Is worker’s compensation coverage required in MN?

If your MN business has employees, worker’s compensation coverage for each employee is required by law. Coverage is optional for the business owner.

Protect all you hold dear