Blaine Business Insurance

Your Complete Guide to Blaine, MN, Business Insurance

When you're looking for a trusted adviser

Blaine Minnesota business insurance

Blaine, MN, is known as one of the fastest-growing cities in the state. New construction and commerce make this a booming town.

With over 64,557 residents, your company will have traffic. If you're one of the 520,110 small business owners in the state, you'll need protection. An independent insurance agent can find coverage for a low price. Connect with a local expert to start saving today.

Is Workers' Compensation Necessary in Blaine, MN?

Workers' compensation is mandatory in Blaine, MN, which means you'll need some help. When you're dealing with state-mandated coverage, a professional is the way to go. They know the laws governing insurance and can make sure you have enough. 

Workers' compensation will protect your company from a financial headache. When an employee gets injured or ill on the job, this coverage will pay for medical expenses. Connect with a Blaine independent agent for questions. 

Is Your Liability Insurance Enough in Blaine, MN?

In 2019, Minnesota had $8,438,256,000 in commercial claims paid out. That's a lot of loss and something you'll want your liability policy to protect. An independent agent can review your policies to make sure you're insured. In the meantime, check out some of the most common liability options:

Commercial general liability (CGL) insurance: A CGL is a policy from where all your business insurance stems. This primary coverage will pay for a lawsuit arising from bodily injury, property damage, and more. To have the correct policy limits, connect with an independent agent.

Business interruption insurance: Business interruption insurance is coverage that can be added to your CGL policy for a fee. It's necessary because it will help your business stay open. When a catastrophe shuts your doors, this policy will pay the bills for up to two years. Talk with an independent agent to discuss your options. 

Cyber liability insurance: If your business uses email, you're at risk for a cyberattack. Cyber liability will help pay for the damage of a loss when your company gets hacked. Stolen data can cost you a lot in restitution. Be sure to get the right independent agent to help quote. 

Does Your Blaine, MN, Commercial Property Have Enough Coverage?

Contrary to popular belief, your commercial property may not have the coverage you think. Most policies will have a coinsurance that makes you pay the first 20% of the building value. Another item that's not covered is flood damage. You'll want to connect with a professional to go over your options. In the meantime, take a look at the most common property risks in MN:

  1. Flooding and water damage
  2. Severe storms and lightning damage
  3. Tornadoes
  4. Wildfires and residential fires
  5. Burglary and other property claims

Flood insurance: Most insureds are not aware that their commercial insurance doesn't cover flooding. When you're standing in an inch of water, you'll want coverage. A Blaine independent agent can get you quotes for flood insurance before it's too late. 

Retain Employees with Benefits Coverage in Blaine, MN

Minnesota has a lot of small businesses and employees that work for them. With 1,300,000 people employed by an MN small business each year, you'll need to be competitive. Employee benefits coverage is a great way to contribute to your team's health insurance and more.

When you run an operation, your employees matter. To get a plan that works for everyone, contact a licensed adviser. An independent agent will help you find a method to suit your needs.

How to Find a Blaine, MN, Independent Insurance Agent

Business insurance in Blaine, MN, is easy to find if you know where to look. An independent insurance agent can help you get the coverage you need for a price the doesn't impact your bottom line. 

A trusted adviser works on your behalf at zero cost to your business. When you're ready to save time and premium dollars, get a professional. TrustedChoice.com has a network of local experts you can connect with in minutes. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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