When you have a business in Minnesota, there are specific commercial insurance policies that you may be required to have in place. When these are required for your business, you could face fees and other punishments if you don’t have them. Not every business in the state requires these, but if yours does, it’s time to get your commercial policies. Call us at Safechoice Insurance Agency in Rochester, MN to find out more.

Workers’ Compensation Coverage

This type of commercial insurance is vital for virtually every business, and it is required in Minnesota for any business with any number of employees. If you run a sole proprietorship, it isn’t required for your business. Corporate officers and partners also aren’t counted as those who need to have this type of policy. When you have a workers’ comp policy for your employees, your policy will pay for their medical bills and other costs if an employee gets injured at work or contracts a work-related illness. This type of policy is vital for protecting your company from liability for these circumstances.

Commercial Auto Coverage

This insurance policy is required for all vehicles owned by Minnesota businesses. A commercial auto policy must come with various kinds of coverage. This includes two amounts of coverage for bodily injury liability and an amount for property damage liability. It also requires two amounts of uninsured or underinsured motorist coverage. It requires personal injury protection as well. This pays for your medical bills when there has been an accident that is the fault of your company’s vehicle. 

Get Your Required Commercial Insurance

We can help you with all the insurance policies required for your business, as well as any optional ones you want. Call us at Safechoice Insurance Agency in Rochester, MN.

Life insurance has many benefits. However, it is hard to determine who needs it and who doesn’t. Our Rochester, MN team at Safechoice Insurance Agency wants to take the confusion out of life insurance.

What is Life Insurance?

Life insurance provides a lump sum of money to a beneficiary of your choosing. You select a beneficiary as the recipient of a lump sum of money in the event of your death or illness, critical or terminal. You pay premiums for a specific period or your entire life based on the type of policy you invest in. Common life insurance policies are either for a "term" or your "whole life."

I’m not married and don’t have kids. Should I invest in life insurance?

To some, life insurance may not be worthwhile if they don’t have a spouse or children. However, there may be other reasons, beyond family, why life insurance may be a wise investment. If you want to pay for your burial, or have other financial obligations, like a mortgage, life insurance is a wise investment. If you pass away before your mortgage is paid off, the mortgage company can reclaim the equity in your home.

Common sense would suggest that life insurance makes the most sense for people with a spouse and dependents. However, there are benefits for single people as well.

If you have questions about life insurance, call us. We can help you explore the benefits of life insurance for single people and your own unique situation.

Road tripping in an RV is a great way to explore the country and spend time with family or friends. However, there are a few things you need to know. From ensuring you have the right insurance to stocking up on supplies, there’s a lot to think about before hitting the open road. But don’t worry, we’ve got you covered. This blog post will give you all the information you need to ensure your RV road trip is successful.

1. Service Your RV Before You Go

Before you embark on your RV trip, getting your vehicle serviced is important. This will help ensure that everything is in working order and that there are no surprises along the way. Get a full check-up, including an oil change and tire rotation. You should also ensure that your fluids are topped off and that your battery is in good condition.

2. Get the Right Insurance

Make sure you have the right insurance for your RV. You should have both liability and comprehensive coverage. Liability insurance will protect you if you cause an accident that damages someone else’s property. Comprehensive coverage will protect you if your RV is injured in an accident, stolen, or vandalized.

3. Stock Up on Supplies

Before you hit the road, stock up on supplies. This includes food, water, and medications you or your family take. It’s also a good idea to have a first-aid kit on hand. And, of course, don’t forget the fun stuff! Pack games and activities to keep everyone entertained on long drives.

4. Be Prepared for Emergencies

No one likes to think about emergencies, but it’s essential to be prepared for them. Make sure you know how to change a tire and have a spare tire on hand. It’s also a good idea to keep a flashlight and some basic tools in your RV. You can also ask your insurance provider about roadside assistance coverage, which can help you if you have a breakdown.

Now that you know what you need to do before taking your RV on a road trip, it’s time to start planning your adventure. Safechoice Insurance Agency can help you find the right insurance for your RV in Rochester, MN. Contact us today for a free quote.

Riding a motorcycle is an exciting experience and a fun way to explore the scenic beauty of the state of Minnesota. However, it can also be a scary experience. To make it safe and enjoy your motorcycle trips, you should consider getting motorcycle insurance. Before you purchase any motorcycle insurance plan, it is essential to know what exactly motorcycle insurance covers:

What Does Motorcycle Insurance Cover?

Standard motorcycle insurance covers the following:

• Collision coverage. This type of coverage pays for damage to your motorcycle if you are involved in an accident. 
• Comprehensive coverage. It would cover damage to a motorcycle if the damage were caused by anything rather than a road accident. It can be vandalism, fire, and any type of weather damage. 
• Liability coverage. It includes two types of coverage – property damage and bodily injury. It helps cover lost wages and medical bills if you cause an accident. 
• Uninsured/underinsured coverage. It will pay for damages if another driver or motorist has caused an accident but does not have the proper insurance or if their insurance coverage is insufficient. 

Safechoice Insurance Agency – Your Reliable Insurance Company Serving Clients In Rochester, MN

If you are a lucky motorcycle owner living in Rochester, MN, or any other nearby town in Minnesota, and you are shopping for motorcycle insurance to protect yourself and your precious vehicle, Safechoice Insurance Agency is here to assist you. We specialize in various types of insurance, including motorcycle insurance as well. Contact us if you need help finding a perfect motorcycle insurance plan or want to know more about the insurance options available. 

If you own an antique or classic ATV, you may wonder if there is a special insurance policy. The answer is yes – a specific policy is designed just for antique and classic ATVs. The Safechoice Insurance Agency offers a policy specifically for antique and classic ATVs in Rochester, MN. This policy is designed to provide coverage for these vehicles in case of an accident, theft, or damage. Here’s what you need to know about it.

What Is an Antique or Classic ATV?

An antique or classic ATV is defined as an ATV at least 25 years old. These types of ATVs are typically used for recreation rather than transportation. They may be used for off-road activities such as hunting, camping, or trail riding.

What Kind of Insurance Policy Covers an Antique or Classic ATV?

A standard ATV insurance policy will not cover an antique or classic ATV. However, some insurers offer special policies for these types of vehicles. The coverage on these policies is often limited, so it’s important to check with your insurer to see what is covered. There are two types of antique or classic ATV policies:

• Agreed value: This type of policy covers the vehicle for its agreed-upon value. This is the amount you and the insurer agree the car is worth. In the event of a total loss, this is the amount you would receive from the insurer.
• Stated value: This type of policy covers the vehicle for its stated value. This is the amount that you tell the insurer the car is worth. In the event of a total loss, this is the amount you would receive from the insurer.

Conclusion

If you have an antique or classic ATV, it’s important to check with your insurer to see if they offer a special policy for this type of vehicle. Safechoice Insurance Agency offers both agreed value and stated value policies for antique and classic ATVs. Contact our offices in Rochester, MN, today for more information.

Toy collecting deserves broad and dedicated insurance coverage, as the scope entails diverse nature, and many are reasonably priced. Knowing that their most valuable items are mitigated against various risks, residents of Minnesota can breathe relief. They enjoy great satisfaction and peace of mind. Safechoice Insurance Agency is dedicated to offering the residents of Rochester a unique solution to their toy insurance needs.

At Safechoice Insurance Agency in Rochester, MN, we understand the importance and recognize the worth of your toy vehicles, and our coverage mitigates anything beyond your control. Among the risks we cover include:

• Burglaries and Theft
• Accidental Breakage
• Natural Disasters and earthquake damage
• Fire and Smoke damage
• Floods damage
• Mysterious Disappearance and malicious damage
• Damage or loss on transit

Benefits and Features Provided by Safechoice Insurance Agency under Toy Insurance

• Broad policy coverage– We insure your toy vehicles from damages accrued to fire, theft, accidental breakage, flood, earthquakes, hurricane, and much more.
• Inflation Coverage– The worth of your collection today might be different tomorrow due to inflation. To reduce such risks, we increase the value of your toy collection’s scheduled valuables. We automatically add new toy vehicles up to a specified value with adequate notice.
• Collectors Choice– Our policy provides a clause for extra coverage for items used during special occasions and those stored off-site.
• Agreed Value Mitigation– Some toy collections that qualify as antique and vintage toy vehicles are covered for their full value minus any deductibles.
• Personal Service– We offer unmatched service and promptly address your queries and concerns.

Under Toy Insurance, We Cover:

• Recreational vehicles, pop-up campers, or trailers– This cover varies depending on whether the RV has a cab and engine; your toy vehicle tows the pop-up camper or trailer.
• Off-Road vehicles- vehicles such as ATVs, golf carts, dirt bikes, snowmobiles, and sand buggies are also included in our policies.
• Small boats– Small watercraft are too small and do not qualify for boat insurance.

Don’t hesitate to contact us at Safechoice Insurance Agency for more information on cover specifics in Rochester, MN.

When you own a business in Minnesota, it’s crucial to have the types of commercial insurance required by law and other types that will also be helpful. Two types are required for many businesses in the state, and you need to know what they are and how they may apply to your company. Contact us at Safechoice Insurance Agency in Rochester, MN when you need commercial insurance.

Workers’ Compensation Insurance

When a business has employees, it’s important to have workers’ compensation insurance. This coverage protects your business if you have an employee injured on the job. The insurance pays for their lost wages, medical expenses, and other expenses. This protects your business from paying those claims and possibly suffering financial hardship. In Minnesota, all companies with employees, even if it’s only one, need this coverage in place. Sole proprietors, as are corporate officers and partners, are exempt from this requirement. 

Commercial Auto Insurance

If your business owns any vehicle or vehicles, they must each be covered by a commercial auto insurance policy. Many coverage types are mandatory as a part of this insurance. This insurance pays for the costs associated with accidents that a work vehicle gets into. A specific minimum amount of coverage is required for bodily injury liability for one injured person. There is a higher amount of bodily injury liability coverage required for all the people who are injured in an accident. There is another minimum amount needed for property damage liability. In addition, personal injury protection coverage is required to pay for your medical bills. There are also two amounts of coverage required for uninsured motorist coverage. 

Cover Your Business

Call Safechoice Insurance Agency in Rochester, MN to get your commercial insurance policies. 

 

 

You might be surprised to learn that there is no maximum age for life insurance. As an older person, your ability to get coverage will vary from one company to the next. Age does affect life insurance. Age impacts your premiums and your rate. Typically, life insurance companies won’t insure people older than seventy-five or eighty, but some may. Many companies will still issue a life insurance policy to an older person, although there may be limits on the options and benefits available. Safechoice Insurance Agency is committed to taking the confusion out of life insurance for Rochester, MN residents.

Life Insurance for Older People

Many people choose to invest in life insurance or acquire more life insurance at an advanced age. Some people decide to invest later in life to pay for end-of-life expenses or burial. They may also want to leave money for their children or grandchildren. It’s still possible to acquire life insurance at an advanced age. Of course, you’ll pay more being an older person than you would if you were younger.

You Have Options

Your health, pre-existing conditions, finances, and health usually determine the kind of life insurance you invest in. Term life insurance may be more attractive to people concerned with final expenses. A whole life insurance policy may be more attractive to someone who doesn’t want their policy to expire only to end up shopping for another one. Our team at Safechoice Insurance Agency can explain your options and help you choose a life insurance policy that meets your needs. 

There is no perfect age to invest in life insurance. However, there are factors that age will affect life insurance. An older person usually pays higher premiums and has fewer options. However, getting life insurance that meets your need is still possible. Call us. We’re here to help you understand the benefits of life insurance and the options available to you.