Business Insurance in and around New Richmond

Protecting your business from these potential catastrophes is as easy as choosing State Farm. With this small business insurance, agent Frank Steward can not only help you personalize a policy that will fit your needs, but can also help you submit a claim should a problem like this arise.

Don’t let concerns about your business keep you up at night! Reach out to State Farm agent Frank Steward today, and learn more about how you can benefit from State Farm small business insurance.

Many small businesses start with a business owners policy, which combines property coverage for your building, equipment and inventory with general liability protection for customer injuries and property damage. Depending on your business, it may also help with business income if a covered loss forces you to close temporarily.

Other coverages to talk through include commercial auto for vehicles used in the business, professional liability for advice-based work, and umbrella coverage for higher liability limits. Coverage availability depends on your type of business, so a conversation with Frank is the best place to start.

Wisconsin employers must carry worker's compensation insurance once they employ three or more full- or part-time workers, or pay $500 or more in gross wages in any quarter for work done in Wisconsin. Farmers have a separate threshold.

Worker's comp helps pay medical bills and lost wages for employees injured on the job. If you're hiring your first employees, ask Frank how the rules apply to your business and what your options are.

From shops on Knowles Avenue to contractors, salons, restaurants and home-based businesses across St. Croix and Polk Counties, every business has different risks. Frank's office can review your operations, help you understand your exposures and build coverage that fits.

Business owners should also think about their own family's protection. Life insurance can support buy-sell agreements or key-person needs, and your homeowners policy may need updating if you run part of the business from home.

Does my homeowners policy cover my home-based business?

Usually only to a very limited degree. Business equipment, inventory and customer visits often need separate business coverage.

Do I need commercial auto insurance?

If a vehicle is owned by the business or used mainly for business, a personal auto policy may not be enough. Ask Frank to review how your vehicles are used.

How do I get a business insurance quote?

Call (715) 246-0909 or stop by the office. Have a description of your business, your annual revenue, number of employees and any property you need to insure.

See all insurance options from Frank Steward or read what local customers say in our reviews.