Protect your business, your employees, and yourself with a commercial insurance package customized to match your unique business model. After all, no two businesses are the same, so your insurance coverage shouldn’t be either. Many small businesses choose a business owners policy that combines commercial property insurance, general liability insurance, crime insurance, and more in one simplified package. Others choose a package based on their industry.

Customized Care

If you’re confused or uncertain where to go next, don’t worry. We’ve got you covered. From discussing your business’ challenges to predicting potential concerns, we work closely with you to understand your company on a deeper level. Our team can create a plan that will support you if a machine breaks down, a workplace accident occurs, or if a company car is damaged in a collision. No matter your needs, we find solutions.

Be Prepared With Tail Insurance Coverage

When you work with Hemgren Family Insurance in Minnesota and Wisconsin, you can get coverage that goes beyond what most major agencies can cover. When it comes to your commercial business, we offer an insurance plan that includes tail coverage.

Tail coverage protects you and your business, even after your policy or claim expires. We know that while incidents might happen with your business while you’re covered, it can take some time for that claim to be filed. Tail insurance will provide you with an extended reporting period to insure that you’re covered for any incident that happens while you’re insured with commercial insurance. Contact Hemgren to learn more about our tail insurance!

Commercial Insurance Coverage

Professional Liability/E&O

Professional liability or errors and omissions (E&O) insurance is essential for service-oriented industries, such as accounting and legal professions. Unlike general liability policies, E&O coverage safeguards against claims of negligence, errors, or omissions. Protecting your practice ensures that you are prepared for worst-case scenarios while benefiting from robust financial security.

General Liability

General liability insurance is a fundamental component for operating a legitimate business. It provides essential financial protection against claims related to bodily injury, property damage, and personal injury. Moreover, many clients may mandate this coverage before contractual agreements, ensuring you meet industry standards while gaining peace of mind for your operations.

Inland Marine

Inland marine insurance offers vital coverage for businesses transporting goods and equipment over land. It safeguards against loss or damage to property that occurs in transit or while stored at a temporary location. This policy ensures your assets remain protected, enhancing operational security and minimizing financial risks associated with transportation.

Commercial Auto

Commercial auto insurance provides essential coverage for vehicles used in business operations, including cars, trucks, and vans. This policy safeguards against liabilities arising from accidents, property damage, or injuries while conducting business. We'll evaluate your specific vehicle usage and customize coverage, ensuring your business remains protected on the road.

Worker’s Compensation

Worker’s compensation insurance is essential for businesses to protect against costs associated with work-related injuries and illnesses. This coverage not only supports employee recovery but also mitigates employer liability. We’ll assist in securing optimal coverage to ensure your workforce remains healthy and productive, fostering a safer workplace environment for everyone.

Bonds

Bonds provide essential protection for businesses, enhancing credibility and trust with prospective clients. By assuring payment guarantees in case of default, being bonded can significantly attract new contracts and opportunities. We understand the importance of your reputation and are here to help you secure the right bond coverage for your needs.

Customized Care

Be Prepared With Tail Insurance Coverage

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