Business Insurance

As an independent insurance agency, Forsberg-Engerman objectively recommends the best insurance solutions for your business, from a wide range of top quality carriers. Our mission is to be your trusted insurance advisor. We’ll find you comprehensive coverage at competitive prices, and tailor a high quality insurance package to your needs. Please call for an appointment with one of our business insurance advisors.

Business Property & Liability

These two essential business coverages are often packaged together in a Business Owners Policy. Business Property insurance protects the physical assets of a business, such as your office space, equipment, records, and more. Business Liability insurance protects from claims that your business caused injury or property damage to someone else. A BOP is often more economical than separate policies, and can be tailored to fit the unique needs of your business or industry.

Commercial Auto

Company vehicles like cars, vans, and trucks, as well as personal vehicles used for business, need specific business coverage. For example, if employees use their own vehicles to run errands for the business, that should be covered by a commercial auto policy. Personal auto insurance is often not enough protection on vehicles used for business.

Umbrella Insurance

This business insurance offers extended coverage for unexpected events. It can extend the limits on your primary coverage, and protect against circumstances like a huge personal injury settlement.

Other Important Coverages

Depending on the unique nature of your business, you may require special insurance coverages. For example, if you have employees who travel overseas for business, or if your company works with hazardous chemicals, you’ll need specific policies or riders to cover those circumstances. Your Forsberg-Engerman agent can help you identify special insurance needs, which might include:

• Crime
• Directors/Officers
• Fiduciary Liability
• International Insurance
• Kidnap and Ransom
• Marine (specialty) coverages

Workers’ Compensation

Any business with one or more employees needs the protection of Workers’ Comp insurance. It is also state law. Workers’ Comp provides benefits to employees that pay for the cost of treating work-related illness or injury. Most policies also include Employers’ Liability Coverage, to protect employers from lawsuits involving work-related accidents or diseases.

Professional Liability

This protects professionals from claims brought by clients or patients. Errors and Ommisions is a type of Professional Liability coverage. Forsberg-Engerman has extensive experience with a broad range of professionals and professional business owners. We specialize in the insurance needs of Dental and Oral Surgerypractices, and also serve many other types of professions, such as accounting, law, architecture, and consulting.

New Business Owners

Starting a new business is a busy time, filled with countless decisions and expenses. Forsberg-Engerman can simplify the process of obtaining vital insurance coverage. We can meet with you to identify your needs, show you various options, and set up a comprehensive insurance program that provides excellent coverage while keeping costs reasonable. We’re very attuned to the special needs and concerns of small business owners.

Today’s construction industry is fraught with risk. Now more than ever, it’s important to choose an insurance agency that can help you carefully determine your insurance needs. At Forsberg-Engerman, we have excellent relationships with several highly rated insurance carriers who understand the needs of Artisan Contractors.

Comprehensive Protection

In the course of business, most Artisan Contractors will act as independent contractors for General Contractors. As such, they are faced with many day to day decisions regarding contractual demands for Additional Insured status for General Contractors, higher limits of liability and Waivers of Subrogation, to name a few.

We will assist you in determining the most comprehensive coverage for your business needs, at a competitive price. Our team of experienced insurance professionals is knowledgeable in the area of construction insurance. We will work with you and your insurance carriers to resolve your day-to-day insurance issues.

Your Personal Insurance Needs

Our role as your business insurance advisor can be extended to your personal insurance needs as well. We welcome the opportunity to serve you both professionally and personally.