Farm/Business Insurance in Faribault area
Farmers and ranchers have unique needs different from your typical homeowner’s insurance. Heine Insurance Agency, Inc. understands these specifications—your farm is your business and your home which is why it’s so important to protect it. Farm insurance covers the buildings you use to operate the farm (barns, silos, and sheds) against fire and weather damage. Your vital supplies and machines such as tractors and tillers are protected from theft and damage under personal property coverage. Policies can include protection for your animals in case of theft, illness, or injury (called livestock insurance). Farm insurance from us also takes care of losses occurred due to extreme weather, vandalism, explosions, and more.
Heine Insurance Agency, Inc. wants to protect your business and its assets from any type of risk including environmental risks through our insurance plans. Obtaining environmental risk insurance ensures that if a fire, chemical explosion, natural disaster, or planned attack occurs, your place of business will be recovered at a cost that can save your company. Coverage varies depending on the type, location, and size of your business, so talk to one of our agents to answer all your questions.
Renters insurance is important for tenants in a business environment as well as those living in a rented apartment or home. Heine Insurance Agency protects the renter from unforeseen incidences. This can include but is not limited to fire, theft, water damage, and legal consequences if the renter can no longer pay rent due to circumstances of no fault of their own. This type of insurance also protects the tenant against any unlawful action taken by the landlord that affects them personally.
Business Owner Packages (BOP)
At Heine Insurance Agency, Inc. our Business Owner’s Package combines business property and business liability. With one convenient policy, you’re protected against fire, theft, lawsuits and more. We can offer optional coverage allowing you to tailor a policy to meet your business' unique needs.
In today’s world businesses are vulnerable to lawsuits claiming injury and damage. There are many steps you can take to protect your business from lawsuits but not all will work. That is why general liability insurance is so important.
At Heine Insurance Agency, Inc. we offer commercial auto insurance at competitive prices. We offer protection such as liability coverage for any injuries or damage caused to others as well as damage to your vehicle.
Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.
Heine Insurance Agency, Inc. has a full service commercial bonding department to assist you with your bonding needs. You may need this type of policy to guarantee payment for state sales tax and utility bills, contractor project payments, and payment for attorneys in estate distribution situations. We post bonds for these reasons as well as for notary publics, guiding individuals through the process and explaining the benefits and requirements of bonding services.
Heine Insurance Agency, Inc. offers commercial property insurance for businesses of all sizes. This type of insurance covers the building, outdoor signs, furniture and equipment, inventory, fence, and personal property kept in the building. This policy offers protection for your assets in these situations-- fire, water leaks, and storm damage—and others. We will assist you in finding affordable, comprehensive coverage for your business.