Business Insurance for St. Cloud
Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in St. Cloud, MN. Mark Helminick services all of the surrounding cities including Waite Park, Sauk Rapids, St Joseph and Sartell.
At Insurance Brokers of MN, we can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.
Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements.
We shop the market for you with companies like Nationwide, Travelers, Auto Owners, State Auto, The Hartford, UFG, Acuity, Zurich, Am Trust, SFM, Accident Fund, Selective, QBE and more!
We Work For You!
Request for a quote online or give your local Agent, Mark Helminick in St. Cloud a call today.
Collision and Comprehensive (other than collision) Coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.
Personal Injury Protection
Minnesota require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/Under-insured Motorist Coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an car accident with a hit-and-run driver.
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
How Much Do I Need?
Choosing the appropriate level of car Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductible), and your tolerance for risk.
Optional Increased Liability Coverage a Personal Umbrella Policy:
Protecting your family and assets is a top priority, which is why people have insurance. What happens if you find yourself in a situation where your homeowners, automobile or boat insurance is not enough? Well, that’s when a personal umbrella insurance policy could help protect your assets. So, if your liability coverage isn’t enough to pay for the damages of an accident you cause or a visitor’s injuries on your property, a personal umbrella insurance policy kicks in right where your underlying policy’s coverage left off up to $1,000,000. Higher personal umbrella limits are available.
Call and discuss your car insurance needs with TODAY.
Give Aric , Aaron, Josh, Patty or Tawni a call for your free review no-obligation quote at: