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Thanks for having another great appreciation event at your office last week. Very nice. Thanks also for taking care of my recent tractor fire claim that was caused by the rubber dynamic balancer failing and starting the tractor on fire. Fortunately my associate was able to drive the six miles to the fire with an extinguisher and get the fire out before it destroyed the tractor. Insurance covered repairing the fire damage. I really appreciated that years ago First State Agency had made sure I had coverage for miscellaneous issues that will come up when a fire happens. I found out that I not only had coverage for the fire damage, but I had insurance for a rental tractor I needed to finish the farm work that still needed to be done why the tractor was getting repaired. You never know how good your insurance is until you have a problem. Glad that First State Agency had this covered.

Tim Macik - Lake lillian

Commercial General Liability in Sioux Falls, SD and Lake Lillian, MN

Critical Assurance for the Protection of Your Business

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 are also accountable for keeping your employees and property insured from injuries and damages. At First State Agency, we can help you create a policy that is designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.

Commercial General Liability from First State 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. Coverages from First State Agency include:

Premises Liability
Products and Completed Operations
Premises Medical
Fire Legal Liability
Casualty Coverage

Other types of Commercial General Liability include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor - from liquor establishments to office parties/special events.
Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.

Since there are many types of liability coverages, it is important to talk with a specialist at First State Agency about the best options for your business.