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Minnesota Commercial insurance coverage

Commercial Insurance

Commercial Insurance

Starting your business is an excellent way to achieve financial independence. However, being a business owner is also quite risky. Therefore, if you decide to become an entrepreneur, you should think about protecting your company, yourself as a business owner, and your employees. The best way to do it is to purchase commercial insurance. If you want to know more about it, Perrine Agency Inc., serving clients in Minnesota, has prepared a brief guide about business insurance:

What Is Commercial Insurance?

Commercial insurance is similar to personal insurance. It protects a business from financial losses caused by the events specified in the policy. The purpose of commercial insurance is to protect businesses from such liabilities as lawsuits from third parties and clients, theft, damages to commercial property, and injuries to employees.

What Are the Types of Commercial Insurance?

Here is a list of the most common commercial insurance policies:

  • General liability insurance. This policy covers a business owner if someone is injured by or on commercial property.
  • Property insurance. It protects commercial buildings and their content. It often includes additional coverages, including loss of use, business interruption, and personal property.
  • Workers' compensation. It provides coverage to employees if they get injured on the job. It covers medical expenses and helps employees with lost wages if they miss time from work because of their injuries.
  • Errors and commissions coverage. This type of insurance is common among such professionals as lawyers and insurance agents if they make any mistakes.
  • Cyber liability insurance. This coverage protects a business owner if a data breach affects a business or its clients.

Perrine Agency inc. - Your Trustworthy Insurance Agency in Minnesota

If you operate a business in the state of Minnesota and are looking for commercial insurance to protect your company, yourself, and your employees, our insurance agency is ready to help you. Our experienced insurance agents will help you find the perfect policy based on your budget and professional needs. Feel free to visit our office or give us a call for more information.

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