Commercial Business Insurance Quotes

Why do I need a commercial / business insurance policy? Commercial / Business Insurance provides coverage to protect you and your business from a variety of threats. We will explain the options, help you evaluate your specific needs, and tailor a program so you can get the most out of your policy.

By having a local business ourselves, Breberg Agency can help you by identifying the threats that your commercial business is up against in rural America. We personally work with the commercial underwriters for the coverage you deserve and need.

We have specialty insurance products for many different types of businesses including but not limited to:

• Churches
• Electricians
• Family Restaurants
• Independent Contractors
• Plumbers
• Painters
• Petroleum dealers
• Rental properties
• Schools
• Stores

Breberg Agency has a history of insuring church's and cemeteries by making sure special needs are covered including replacement cost coverage, and offering the most competitive rates that we have available.

We offer various coverages for commercial policies from workers compensation to health insurance and liability to auto. We make sure that your buildings, vehicles, property, and employees are protected. Some of our Commercial Insurance plans include:

• Business Owners Insurance
• Commercial Package
• Commercial Property
• Commercial General Liability
• Commercial Crime
• Commercial Auto Insurance
• Commercial Umbrellas
• Errors and Omissions
• Employee Liability
• Health Insurance

We have a market for just about every commercial risk through our involvement with numerous brokerage agencies. Some of the companies we represent include:

• Capital Indemnity
• Church Underwriters
• Concorde General
• EMC
• QBE Farmers Union Commercial Insurance
• Hartford Steam Boiler
• Penn Millers
• Progressive Commercial Auto
• Star Insurance (Meadowbrook)
• State Fund Mutual (SFM)

Three Most Commonly Asked Questions

1) I run a small business out of my home, do I need a commercial / business policy to cover this?

Yes, having a commercial / business insurance policy will protect you from losses and claims. It gives you liability coverage, property damage coverage, and other coverages specific to the type of business you are in. Even though you may have a home office, this insurance will protect you from losses that your homeowners will not. It is important to have a separate policy established to insure you and your business are protected.

2) How soon should I take out a commercial / business policy if I wish to start a business?

You should look into purchasing a commercial / business insurance policy immediately. The threat of loss occurs on the first day of business, so you want to make sure that you have approved insurance coverage to protect you. The sooner you contact an agent, the more time we have to work with you to make sure your entire business is covered from threats and claims.

3) How much should I insure my business property for, how is the worth calculated?

Property insurance is based on one of three possibilities, actual cash value, replacement cost, or on an agreed amount. Actual cash value is the replacement cost of an item minus the accumulated depreciation. Replacement cost is the cost it would take to replace a damaged item beyond repair. Depreciation is not subtracted in figuring replacement cost. Agreed upon value is usually based on an up-to-date appraisal of property owned by the business. Property that is typically considered for appraisal includes collectibles, jewelry, and firearms owned by the business.

Please contact us with any questions you may have regarding your current or start-up policies. To have us provide a quote for any of these services, please call us directly at (320) 769-2088 or you can use the online quote request form and we will get right back with you.