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Business & Commercial Insurance Information

Questions To Ask Your Agent

- How much can you afford to pay if you, an employee or anyone else get in an accident on your property or during the normal operation of your business?

- How much workers’ compensation business insurance will you need? (depends on the number of employees and hazards of business.)

- What is the insurance company's level of service and ability to pay claims?

- What's the procedure for filing and settling a claim for business insurance? (Ask who to call and what happens after you file a claim.)

Business insurance is an essential tool for any commercial operation, even one operated out of your own home! Different types of business insurance can protect you against financial loss in the event of an auto accident, workers’ compensation claim, or injury claim on your property or during operation of your business. 

While business insurance can seem like just another bill to pay, it is extremely helpful and an independent agent can help you find a great deal.

Business Insurance Coverage In MNBusiness Insurance

General Liability

Even if you have personal liability coverage, there’s generally an exclusion for business liability. It’s important to have enough liability business insurance to protect your business from lawsuits, healthcare costs, loss of life or property and more which result from the operation of your business or which occur on your business’ property.

Liability business insurance coverage typically includes:

- Bodily injury, including the cost of care, the loss of services, and the restitution for any death that results from injury.

- Property damage coverage for the physical damage to property of others or the loss of use of that property.

- Products-completed operations, including damages and legal expenses up to your policy's limit if an injury ever resulted from a product or service your company provided.

- Products liability is a more specialized product liability insurance which protects your company against lawsuits from product-related injury or accidents.

- Contractual liability, which extends to any liability you may assume by entering into a variety of contracts.

- Other business insurance coverages include: reasonable use of force; borrowed equipment; liquor liability; non-owned vehicles (such as aircraft and watercraft); fire, lightning or explosion damage; water damage liability protection; legal defense costs; medical payments; personal injury; advertising injury; and specialized liability protection for specific business types.


The auto insurance you have on your personal vehicle won’t cover vehicles used for business purposes. Even if you have a vehicle you use for both personal and business purposes, if the vehicle is owned by the business make sure the name of the business is on the insurance policy.

It’s important to have auto coverage with your business insurance if you’re doing any business driving to make sure you are fully protected for medical, lost wages, property damage, as well as if an at-fault driver is uninsured or underinsured.

Workers’ Compensation

Workers’ compensation business insurance is designed to help you pay benefits to employees who are injured on the job or become sick due to the workplace environment. This eliminates the need for expensive litigation and helps control costs for you.

While we know you try your best to keep the working environment safe, accidents do happen. Workers’ compensation business insurance helps provide medical care and compensation for lost income to employees, as well as death benefits to surviving spouses and dependents, regardless of fault.

An Independent Agent Gives You Choices

Referring to your insurance person as an agent is not an accident; the agent is your legal representative to the insurance company. The agent is licensed by the state, and is required to act as an advocate for you.

An independent agent must legally put your needs first, above their own or the company you choose to deal with.

Besides this very important aspect, an independent agent has the ability to quickly cross check business insurance prices and coverage levels with dozens of different insurance companies. Rates can vary widely, so an independent agent can very likely get you a better deal than you can yourself.

Insurance companies language in their contacts and coverage descriptions can vary widely from company to company and state to state, so having an agent on your side who understands the business is essential.

Direct Insurance Of MN Can Help

Contact Direct Insurance of MN today to set up a business insurance appointment with one of our local agents!

Commercial and Business Insurance Quote Forms

Business Owners (BOP) Quote Form
Commercial Auto Insurance Quote


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