North Dakota and Minnesota Commercial Insurance Specialists

You’ve worked hard to build your legacy;

we’ll work hard to protect it.

  • Dream it

    Congratulations on starting your business! It takes courage, determination, and a leap of faith to transform a dream into reality. Your hard work, resilience, and entrepreneurial spirit are truly commendable. You've embarked on an exciting journey filled with opportunities, growth, and success. Your passion and dedication will undoubtedly shine through in everything you do. Remember to stay focused, adapt to challenges, and continue learning along the way. Your business is a testament to your vision, creativity, and commitment. All of us at Family First Insurance wish you nothing but continued prosperity, fulfillment, and joy as you navigate your remarkable entrepreneurial path. May your business thrive beyond your wildest dreams!

  • Protect it

    Business insurance is of paramount importance as it provides crucial protection and peace of mind for entrepreneurs and businesses alike. It safeguards against a wide range of risks that can jeopardize the financial stability and continuity of your business. Whether it's property damage, liability claims, employee injuries, or legal disputes, the right business insurance coverage can mitigate potential losses and liabilities. It offers financial protection for property, equipment, inventory, and assets, ensuring that you can recover and rebuild in the event of a covered loss. Additionally, liability coverage shields your business from costly legal expenses and damages in case of lawsuits or claims filed by customers, employees, or third parties. Moreover, business insurance helps foster trust and credibility with clients, as it demonstrates your commitment to responsible and secure operations. By investing in comprehensive business insurance, you can focus on growing your venture with confidence, knowing that you are protected from unforeseen circumstances that could otherwise disrupt or devastate your business.

  • Build it

    Commercial insurance for startups is a critical step in protecting your expanding enterprise. As your business evolves and takes on new risks, it becomes essential to reassess and update your insurance coverage accordingly. This includes reviewing policies such as general liability insurance, property insurance, and workers' compensation insurance to ensure adequate protection for your growing assets, operations, and workforce. Professional liability insurance should also be considered to safeguard against claims related to professional services. As your customer base expands, consider cyber liability insurance to protect against potential data breaches or cyberattacks. Regularly consulting with an experienced insurance professional can help you navigate the complexities of business insurance and ensure that your coverage keeps pace with your evolving business risks.

Insurance for small businesses provides essential coverage to protect your investment from various risks. Here are some basic coverages typically included in a business insurance policy:

  1. General Liability Insurance: Protects against third-party claims for bodily injury, property damage, and advertising injury. It covers legal expenses and damages if someone sues your business for these types of incidents.

  2. Property Insurance: Covers physical assets, including buildings, equipment, inventory, and furniture, against damage or loss caused by covered perils such as fire, theft, or vandalism.

  3. Business Interruption Insurance: Provides coverage for lost income and ongoing expenses if your business is unable to operate due to a covered event, such as a fire or natural disaster.

  4. Workers' Compensation Insurance: Mandatory in many jurisdictions, it covers medical expenses and lost wages for employees who suffer work-related injuries or illnesses.

  5. Professional Liability Insurance (Errors and Omissions Insurance): Protects professionals from claims related to negligence, errors, or omissions in their services or advice.

  6. Commercial Auto Insurance: Covers vehicles used for business purposes against accidents, damage, or theft. It provides liability coverage for bodily injury or property damage caused by the business-owned vehicles.

  7. Cyber Liability Insurance: Safeguards businesses against financial losses due to data breaches, cyberattacks, or other cyber incidents. It covers legal expenses, customer notifications, credit monitoring, and potential liability claims.

These are some of the foundational coverages, and additional coverages may be necessary based on the nature of your business, industry, and specific risks. Working with an experienced insurance professional can help you tailor your coverage to meet your business's unique needs.