Business & Commercial Insurance
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Business & Commercial Insurance Information
Business Insurance in St. Michael, MN and Surrounding Areas
It’s More Than a Job – It’s Your Passion.
No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Zachman Insurance Agency would like to return the favor by giving you the coverage you need to ensure the security of your business.
At Zachman Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.
We offer the following options for your business assets:
Commercial Property Insurance
Commercial General Liability
Business Owners Policy (BOP)
Inland Marine Insurance
Commercial Auto Insurance
Commercial Umbrella Insurance
Why Business Insurance?
Having Business Insurance builds a strong foundation for any business, regardless of the field. When an accident occurs in the workplace, a protection plan from Zachman Insurance Agency can provide your business with policies like basic property and liability coverage to ensure that your business can keep running smoothly.
Since commercial insurance policies vary from business to business, it’s important to discuss the available options with a representative at Zachman Insurance Agency, so we can build an insurance program that’s just right for you.
Being a business owner means taking some risks, but choosing the right insurance company to protect your business shouldn’t be one of them.
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We provide businesses near St. Michael, Albertville, Otsego, Monticello, Rogers and Maple Grove with quality insurance solutions.
Common Business Insurance Questions:
What is business insurance?
There are plenty of hazards that might impact any business:
Fires or severe weather could damage your property
Thieves or dishonest employees could steal company property or money
A customer could get injured on your property and sue you over the losses they sustain
Under these and so many other circumstances, your business could face financial setbacks, even financial ruin. That’s something no business owner wants to face. Proper business insurance will help your company design a protective cushion that you can rely on for financial support following a multitude of challenges that could arise unexpectedly at any time.
What does business insurance cover?
Business insurance is not a single policy like homeowners, auto or life insurance. Rather, it’s an umbrella term that refers to numerous commercial insurance options that the average business might need.
It’s up to you to find the optimized combination of benefits for your needs. Some of the policies that you can enroll in with our help include:
Commercial property insurance: If something damages physical property—such as your building or possessions—then this coverage can help you repair or replace them.
General liability insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
Business interruption insurance: This helps you pay the bills if you must temporarily close after a damaging accident.
Commercial auto insurance: When the company owns vehicles, this coverage will supply the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards.
Workers compensation insurance: If an employee gets hurt on the job, they are often eligible for workers compensation. It will supply them supplementary income during their recovery.
Errors & omissions insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.
Surety bonds: If you are contractually bound to certain clients, then bonds will guarantee them that you will repay them if you cannot meet your obligations.
Of course, there are many other policies available that are designed to protect you against specific risks and liabilities. These include:
Products/Completed Operations Liability Insurance
Cyber Liability Insurance
Umbrella Liability Insurance
Hired/Non-owned Auto Liability Coverage
Small business owners can benefit financially by bundling their essential coverage into a business owners policy (BOP). The BOP is designed for small operations, and allows you to get several benefits (property, general liability, business interruption) in one place and at one price.
How much business insurance do I need?
Your company is a unique operation, which will mean that you will face a unique set of liabilities that will directly impact your insurance needs. Even if you were to compare the insurance portfolios of two businesses in the same industry, you will often find their coverage options to be vastly different, and for good reason. Our agents will work hand in hand with you to optimize the benefits within your portfolio in ways that offer you tailored coverage limits, deductibles, endorsements and other terms.
What will my business insurance benefits cost?
Numerous factors can influence the price of your commercial insurance, and all of your different plans will have different costs, based both on the coverage you choose and the risk factors that the insurer assumes by covering you.
We understand that you might have concerns about the burden that your benefits will have on your overhead costs, but we are committed to working with you to get you the coverage that offers you the best value on the market.
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