Business & Commercial Insurance
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Business & Commercial Insurance Information
Protecting the Insurance Needs of Minnesota Businesses Since 1977
At Gillette Agency, we represent a wide range of insurance companies with special programs, designed to meet the specific needs of small to medium size business accounts in Minnesota. Our independent insurance agency is a member of the MIIAA (Minnesota Independent Insurance Agents Association), which helps us stay up-to-date on the latest trends in the insurance industry.
Our Business Insurance Offerings
Our commercial customers range from wholesalers to retail businesses, and we tailor the advice we give to meet their unique concerns. We use our in-depth knowledge of the industry to help businesses succeed. That means offering insurance plans to meet a wide range of needs, including:
- General liability insurance: These policies protect the business in case a lawsuit alleges that negligent or reckless acts caused an injury. For example, general liability insurance may protect your business from allegations of slander, false advertisement, property damage, or physical injury by a customer or a competitor.
- Product and professional liability insurance: Product liability insurance protects your business against claims that your products are dangerous or defective. Professional liability insurance protects professional practices from allegations that your errors or omissions caused harm.
- Property insurance for your commercial property: Commercial property insurance policies cover loss and damage to company property because of theft, fire, natural disasters and other events.
- Commercial auto insurance: When your business uses company vehicles, commercial auto insurance coverage is what protects you from liability for car accidents, as well as damage to company cars and trucks.
- Workers compensation insurance: Minnesota requires that certain employers purchase this coverage to provide benefits when workers are injured on the job.
- Umbrella policies: Commercial umbrella policies expand the limit that your company already has in its existing liability policies, and may broaden coverage for things that underlying policies do not cover.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.
If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
Broad Range of General Liability Protection
- 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 provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: 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
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.
A Partner You Can Turn to With Insurance Concerns
Many of our customers own and operate small- to mid-sized businesses in the Twin Cities area. We serve as a business partner that company leaders can turn to with all of their insurance and risk management concerns.
Being an effective business partner means responding quickly when business needs require action. We use the latest technology to streamline our response time, and we often work with customers over email or phone to expedite our processes.
Call Gillette Agency to Discuss Your Concerns
We are always available to provide guidance, to identify possible gaps in coverage or to suggest more efficient ways to minimize risk while protecting the bottom line. Please request a free business insurance quote or call us at (952) 884-6772 for more information.