Protect Your Business with The Right Commercial Insurance Coverage

No Matter The Business

As a business owner, you know that every day is a new challenge. You're focused on providing your customers with the best possible service, and you're always looking for ways to improve your business. Lindfors Insurance Agency wants to help you protect your business so you can focus on what you do best.

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SERVING NORTHWESTERN MINNESOTA SINCE 1937

Lindfors-Commitment

we’re committed to keeping your business protected

So you can focus on your day-to-day operations and with the right insurance plan, your business will be covered from top to bottom.

Small Business Insurance

Small Business Insurance

Your small business needs many types of coverage in order to adequately secure itself against losses in the event of certain common business casualties.

Common elements of small business insurance include:

  • General Liability Insurance

    Covers a business against claims arising from problems like libel, slander, medical expenses, property damage, medical expenses, and the cost of defending against a lawsuit.

  • Product Liability Insurance

    If you deal with a product – whether it’s manufacturing, retailing, wholesaling, or just distributing it – you may be responsible for keeping it (and people in the area around it) safe. The amount required depends mainly on the products involved – the larger and/or heavier the products are, the more coverage is needed.

  • Professional Liability Insurance

    Similarly, if you provide any kind of professional service, you may need coverage for errors, malpractice, and negligence. Some companies are required to have this type of coverage (especially, though not exclusively, those in the medical field).

  • Commercial Property Insurance

    If your small business owns any kind of physical property (an office, a retail store, a warehouse, etc.), this coverage insures it against a wide variety of natural and man-made forms of damage. If your business is particularly vulnerable to a certain type of damage (flooding, vandalism, etc.), you may need additional coverage for that specific problem.

  • Home-Based Insurance

    If you’re running a business from your home, then your homeowner’s insurance probably doesn’t cover any of your business operations. You may need to purchase additional coverage separately, or as an extension of your existing plan. Speak to a Lindfors Insurance Agency agent to find out.

Business Owners Policy (BOP)

Business Owners Policy (BOP)

At Lindfors Insurance Agency, we’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That’s why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

A Business Owners Policy (BOP) from Lindfors Insurance Agency allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.

The proper Business Owners Policy can keep your day-to-day operations protected with options such as:

Building and Personal Property Protection

On-Site Equipment Insurance

Coverage for Inventory Loss

Crime Insurance

Products and Completed Operations

Premises Liability

Premises Medical

Fire Legal Liability

Business Income Insurance

Commercial Auto Insurance

Commercial Auto Insurance

Lindfors Insurance Agency understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.

We’ll work with you one-on-one to create a customized policy that may include:

To prevent losing your hard-earned revenue due to an auto accident, you’ll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more.

Bodily Injury Liability

Medical Payments

Personal Injury Protection (PIP) Coverage

Comprehensive Coverage

Collision Coverage

GAP Coverage

Uninsured and Underinsured Motorist Coverage

Commercial General Liability

Commercial General Liability

Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you’re also accountable for keeping your employees and property insured from injuries and damages. At Lindfors Insurance Agency, we can help you create a policy that’s designed to safeguard the best interests of your business – so you can focus on serving your customers and increasing your profits.

Coverages from Lindfors Insurance Agency include:

Commercial General Liability from Lindfors Insurance Agency can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered.

Premises Liability

Products and Completed Operations

Premises Medical

Fire Legal Liability

Casualty Coverage

Workers Compensation

Workers Compensation

Lindfors Insurance Agency understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they’re properly protected.
But should an accident happen, having the right Workers Compensation plan from Lindfors Insurance Agency can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

Workers Compensation can cover financial obligations such as:

An injured employee’s medical expenses/treatment

The replacement of lost wages from injury time off

In-Home Business Insurance

In-Home Business Insurance

Home-based businesses, both big and small, have become one of the fastest growing commercial segments in America. As the owner of an In-Home Business, chances are your operations extend beyond the walls of your home. At Lindfors Insurance Agency, we want to help you protect the security of your business with proper coverage, because the insurance required most likely goes beyond that of your standard Homeowners policy.

An In-Home Business policy from Lindfors Insurance Agency can cover:

Professional Liability

Personal property used for business operations

Loss of income due to a covered event

Loss or damage to business records and inventory