A Look at the Primary Components of Commercial Insurance in Rochester, MN

The business that you create is probably one of the most important things in your life, which means it deserves to be rightly protected. Check out three of the primary components of the best commercial insurance policy. 

Property-Liability Insurance 

One of the most important forms of commercial insurance any business should have is property liability insurance. If something happens that causes someone to get hurt on your property, this insurance will step in and cover the costs of their damages. For example, say someone trips over a neglected piece of merchandise that has been left in the floor. They fall, get hurt, and you are responsible for paying for the damages. Your property liability insurance would help cover these costs so you don’t have to pay them out-of-pocket. 

Commercial Vehicle Insurance 

Commercial vehicle insurance is designed to protect the vehicles that you use to perform your business operation. Vehicles can range in form and type, from buses and taxis to company vehicles and mobile food trucks. Because these vehicles are part of your business operation, they must be protected with a higher level of insurance coverage than a basic auto insurance policy can provide. 

Property Insurance

In general terms, your commercial property insurance policy with Safechoice Insurance Agency in Rochester, MN will protect the tangible property of your business. Property insurance will include coverage for things like: 

  • The business building you operate from 
  • The business equipment that is in the building 
  • The merchandise that is kept on the business property

In the event the business property is damaged, lost, or stolen, your property insurance would help cover the costs of replacement. 

The most comprehensive commercial insurance plan will have your business protected from every angle. If you would like more information about obtaining commercial insurance for your business in Rochester, MN, reach out to Safechoice Insurance Agency for advice. 

3 Tips for Buying Life Insurance in Rochester, MN

Life insurance in Rochester, MN is a necessity. It will protect your family after you are gone. From paying down debt to covering burial expenses and providing a cushion for your loved ones, life insurance will give you peace of mind knowing your family will be taken care of when you pass. If you don’t have a life insurance policy yet or want to add to an existing policy, there are three ways you can easily save money in the process. Read on to learn more.

1. Compare Life Insurance Quotes

It’s recommended that you compare several quotes before deciding on a policy. Go over each quote in fine detail with an agent from Safechoice Insurance Agency to be sure you understand the policy and the price. By comparing more than one quote, you are sure to find the right policy to fit you and your family’s needs.

2. Bundle Your Insurance Policies

One of the best way to save money on your life insurance is to bundle it under one insurance carrier with your other policies. Auto insurance, home insurance, commercial insurance, and any other policies you have can be bundled to save you money on your insurance premiums.

3. Work with a Reputable Agent

To understand your new life insurance policy, it’s best not to do this on your own. Instead, work with a trusted and reputable insurance agent to help you with the process. This will guarantee you get the best policy at the best price and avoid any surprises down the road that you may have overlooked.

To learn more about purchasing a life insurance policy in Rochester, MN, contact the team at Safechoice Insurance Agency who serves this area. 

Is RV Insurance Valid No Matter what State You Are In?

Your RV is a fantastic thing and the right insurance is going to keep your RV safe and your RV protected in the from the dangers that might befall it. Your RV is a great addition to your arsenal of vehicles and there are tons of different insurance policies that you can choose. If you live in Rochester, MN, the agents with Safechoice Insurance Agency can help you to find the RV policy that works best for you.

RVs are so much fun but it is necessary to keep them insured to protect them from the dangers that come from using your RV daily. There are tons of great options when it comes to insurance for your RV. You may be wondering, is my RV policy valid in every state no matter where I travel, the answer is yes as long as the policy is paid up and the RV is fully insured. Your policy is not affected by the place that you take your RV but rather by your own ability to pay the policy and to make sure that you are fully paid up and current with your RV policy when you leave to go on your trip or to take your RV out.

It is important that the policy be current, that you be in good standing with your insurance company, and that you have all your insurance information in your RV with you while you are traveling should you need to access it to show a police officer, to show in the case of an accident, and to have so that if you have to use the, they are easily accessible. If you live in the Rochester, MN area, the agents with Safechoice Insurance Agency can help you to find the RV policy that is right for you.  

ATV Insurance Protects More than Your Machine

Maybe your ATV didn’t exactly break the bank when you bought it, so you figure that if you ever roll it in the Rochester MN area woods you can just pay to get it fixed. However, your agents at Safechoice Insurance Agency are here to remind you that ATV insurance isn’t all about replacing a bent brush guard. There is much more at stake.

Accidents Happen and People Get Hurt

Part of the fun of four-wheeling is pushing your machine to the limit by climbing steep hills or plowing through a snow drift. That’s is when you might hit a rock, go flying through the air, and take out your tailgating friend in the process. Emergency rooms are expensive and if you are in the woods, a med-flight could cost even more to get you to safety.

Fix Up Your Friends and Your Ride

Your ATV insurance is mostly focused on providing protection when the property is damaged or people get injured while you are out playing. It will cover your buddy’s broken wrist while he was riding shotgun while replacing the bent axle. When you skip the ATV insurance, all of those expenses will end up coming out of your savings account. 

Check Your Maximum Limits when Riding with Others

Now that you have decided that you do need an ATV policy from Safechoice Insurance Agency, make sure to sit down with your agent and talk about the maximum amount of protection provided in the liability and medical payments section. If you like to roll around the Rochester, MN area with your other four-wheel friends, you may want to up the limits as the chances of encountering a major accident between machines just went up.  

Give us a call at Safechoice Insurance Agency today to make sure you are fully protected for the next trip out of town with your toys. 

Is Toy Insurance Required?

Many people have at least one recreational toy in Rochester MN, which can include ATVs, motorcycles, watercrafts, boats, and RVS. When recreational toys are used, there is the risk that there could be damage to the items as well as liability concerns. Since there are many factors that can go into determining if toy insurance is required, speak with an agent at Safechoice Insurance Agency.

Boats and Personal Watercraft: Boat insurance can be required for just about any boat, including small personal watercrafts and jet skis. You want to insure for damages, as well as injuries to any passengers. Even if you are going to be keeping your boat in storage for the better part of the year, you may still want some insurance to protect it from damage in storage, being stolen, or vandalism. For smaller watercrafts like canoes or kayaks, you may get some insurance from your homeowners policy, but it likely won’t be enough to cover if it is destroyed.

Motorcycles: If you are trying to insure your motorcycle, it is required in Rochester MN to have the minimum liability insurance. In addition to the minimum liability insurance, you may want to consider comprehensive and collision coverage to protect your bike against any damages related to accidents or not.

RVs: Depending on the type of RV you have, you may have to have insurance. If you are towing your RV then your liability coverage for your auto is enough. However, if you are going to be driving your RV on state roads, you need to have the minimum liability coverage. A financing company may also require you to have collision and comprehensive coverage. Since an RV can serve as a vehicle and a home, you may want some additional coverage for some of the belongings you keep in your RV.

Contact Safechoice Insurance Agency, serving Rochester, MN, to get a quote for toy insurance.


3 Benefits of Life Insurance

Although it seems that it takes a near-death experience to prompt people to consider purchasing life insurance, this does not have to be the case. Life insurance has an array of benefits that go above and beyond burials costs. For residents of Rochester, MN, the following is a closer look at 3 benefits of life insurance.


One of the lesser considered benefits of purchasing life insurance is that it can help you save money or your other insurance premiums. Most companies offer bundles for purchasing life insurance. This means that you will get all the coverage you need for one low price. Furthermore, this will not only help you save money but it can also protect you and your loved ones as well.

Cash Value

Depending on the type of policy you choose, you could be able to borrow from your policy or even cash it out early, if necessary. This is a huge reason many people purchase life insurance as it allows you to make a long-term investment with short-term options. 

Tax-Free Payouts

Lastly, no matter who the beneficiary may be, the payouts are typically tax-free. This means that you will get exactly the amount you are paying for without worrying about how much will be removed for things such as taxes and fees.

Overall, for those who live in Rochester, MN, let Safechoice Insurance Agency handle your insurance needs. Not only can they help with life insurance but they can also help with other types of insurance as well. Contact Safechoice Insurance Agency today to find out how you can secure your coverage and hopefully save some money in the process.

Should I Update My Commercial Insurance?

Commercial insurance is critical toward protecting your business. Whether you have invested in worker’s compensation protection or have commercial insurance for the technology within the business, one of the most important investments you’ll ever make with your business is selecting commercial insurance. However, there’s a chance your insurance coverage is outdated. That is why if you run your business in or around Rochester MN you need to contact the team at Safechoice Insurance Agency for help determining whether you should update your commercial insurance or not. 

More Money Coming In

If your business has grown and you have more money coming in it’s a sign of a business that’s doing well. You might have insurance coverage that pays your employees wages should the business need to shut down for any reason at all (such as due to storms, winter closures or other issues). However, if you have not updated your coverage you will not receive the kind of money you need. 

New Technology

Have you invested in new technology for the business? If so, you need to adjust the kind of coverage you have. If there is a theft in the building, a fire or even a flood, you want to make sure the new technology is covered. This way, you’ll be able to replace everything without excessive out of pocket expenses. 

As your business grows so too will your need for appropriate insurance coverage. If your business has increased or decreased in size, now is the time to talk to your commercial insurance provider. It may also be a good time to revisit your current provider and compare it to that of Safechoice Insurance Agency. If you run your business around Rochester, MN now is the perfect time to give the agency a call. 

What’s Included In Your Motorcycle Insurance In Rochester

When you shop for motorcycle insurance in Rochester, MN, it’s important to know that there are a few things included in every policy. Knowing what’s included in your policy will make it that much easier to know you’re protected. At Safechoice Insurance Agency, we have agents to ensure you get the needed coverage levels and explore the optional coverage areas.

Property Damage

You need to know that you’re covered if you damage any property with your motorcycle. This includes damaging someone’s vehicle or home after you have gotten into an accident.

Bodily Injury

If you hit a pedestrian, another motorcycle, or get involved in any other accident, you will be covered with bodily injury liability. You will have the opportunity to cover yourself to the Minnesota state minimums or add more coverage so that you minimize the likelihood of paying out of pocket.


You can also explore some optional coverage levels. This includes collision (which will also cover damage to your own motorcycle) and comprehensive coverage (which covers damage caused by things other than collision). You can also choose to get uninsured/underinsured motorist coverage so that you’re protected if you get into an accident with someone who doesn’t have coverage on their vehicle.

Since you live in Minnesota, it’s also a good idea to explore a lay-up policy. This would allow you to suspend at least a portion of your coverage during the winter months since you likely wouldn’t be on your motorcycle when the weather starts to get too cold.

You should have peace of mind all year long when you’re on the roads in Rochester, MN. If something happens on your motorcycle, you want to know that you can file a claim. Contact us at Safechoice Insurance Agency today to learn more about getting motorcycle insurance that will include protecting all aspects of your bike. We will build your policy and help you to get competitive quotes.


Why You Should Get RV Insurance

If you are looking for a great way to see the country, buying and RV and seeing it from land is a great option. Not only is a mode of transportation, but it will also provide you with a place to stay during your trip. For those that are in the Rochester, MN area with an RV, there are several reasons why getting RV insurance in place is very important.

Will Protect Valuable Asset

One of the main reasons why you should get RV insurance is that your valuable asset will be properly protected. Buying and maintaining an RV is a big investment. The last thing that you would want would be for your asset to be lost due to an accident, theft, or another issue. When you have RV insurance in place, you will receive the financial protection and support that you need.

Liability Compliance

If you are planning on taking your RV out on the open road, you will be required by law to carry liability insurance at all times. In Minnesota, you will need to comply with the minimum liability coverage requirements, which are $10,000 in personal property liability coverage and bodily injury coverage of $30,000 per injured person and $60,000 per accident. Any less than this and you will be in violation of the law.

Lender Requirements

Many people end up taking out a loan to finance the purchase of the RV. If you need to take out a loan to buy your RV, you will need to carry collision and comprehensive coverage at all times. Not carrying this will be a violation of your loan agreement.

When you are looking to get RV insurance for your Rochester, MN area RV, you should discuss your options with the team at Safechoice Insurance Agency. The professionals at Safechoice Insurance Agency will help you to better determine the options that you have and will help you get into the right policy for your situation.

3 ATV Safety Tips

Unfortunately accidents in Rochester, MN happen. They happen in cars, airplanes on motorcycles, even an ATV, which is considered to be one of the safest vehicles to ride. An ATV has four wheels, isn’t typically ridden on a busy road, so yes they are safe, but only when the appropriate safety measures are used. Most ATV accidents happen as a result of rider negligence, substance use and indiscipline. To ensure you are a safe rider, here are 3 ATV safety tips to keep in mind before riding.

No Paved Roads

ATVs (all-terrain vehicles) are made for off-road riding and paved roads are not made for ATVs. Even experienced riders can have difficulty controlling an ATV on a paved road. There are automobiles, buses, motorcycles and pedestrian crossings on paved roads, which mean there is a higher possibility of a collision occurring. Many of the fatalities that insurance agencies, such as Safechoice Insurance Agency encounter is from those that occur from ATV riding happen while on paved roads, so never ride on a paved road.

Do Not Drink and Drive

One of the most important rules of the road is to never drive while intoxicated and the same rule applies to ATV riding. Whether you are riding in an open field or through the woods, riding an ATV while intoxicated can be fatal. Alcohol and/or drugs impair your perception and judgment, both of which can result in fatal injuries when trying to maneuver a vehicle, especially an ATV.

Wear the Right Gear

Proper ATV gear is critical, especially when you are riding on rough terrain or through the woods. To ensure you protect your body while riding, you should wear a helmet, goggles, gloves, knee and elbow pads, long pants and a long-sleeve shirt or jacket.

If you are new to riding ATVs, it is extremely beneficial to take a training course. A training course can teach you how to ride correctly as well as how to avoid unnecessary accidents. ATVs are typically designed for one rider, so stay safe by never carrying passengers.

Residents of Rochester, MN who want to learn more information about ATV safety and reviewing their current insurance coverage should contact Safechoice Insurance Agency.