Before calling Safechoice Insurance Agency about a commercial insurance plan, it’s a good idea to figure out exactly what the risks are that you face in your line of work with your Rochester MN business.

For instance, you might not think that you need general liability as part of your plan because you don’t own an office or a factory or anything, but consider what might happen if a courier is injured delivering a new prototype to your home.

If you use your personal vehicle to make business runs, dropping off deliveries or picking up product, then you might want to consider the advantages of covering your auto under a commercial policy.

Those people you have working for you, are they freelancers, or are they employees? Remember that just writing down "freelancer" might not make it so in the eyes of a court (or in the eyes of the IRS). These are all things that need to be considered before you buy your policy.

It all varies by industry and by business. A delivery service obviously needs to cover their vehicles and drivers, where a garage-based startup that only employees freelance labor doesn’t have to worry about worker’s compensation at all.

Before you call Safechoice Insurance Agency, it’s worth making a list of worst-case scenarios. It can be a bit grim, but it’s the only way to prepare yourself: What’s the worst thing that can possibly happen at your business? If you can write a top ten list covering all of those possibilities, then you’ll have a good idea of what you need to discuss when you call your insurance agency to create your commercial insurance plan.