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. 

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. 

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.  

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. 

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.

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.

Bundling

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.

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.