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The best business options. Period.

Many business owners start with a Business Owners Policy (BOP) because the three essential coverages it has protects businesses from common claims. A BOP Includes:

  • General liability insurance

  • Commercial property insurance

  • Business income insurance

Our experienced agents can advise you on the best options to cover property, liability exposures, physical assets and the actions of owners or employees.

Key business coverages

SMALL BUSINESS OWNER'S POLICY

Protects your business from property and (general) liability risks with a bundled, affordable solution that meets the general needs of your small business.

GENERAL LIABILITY

Protects your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander.

PROFESSIONAL LIABILITY

Protects you and your company if you're found negligent in the professional services you provided to a client, even if you didn't make a mistake.

WORKER'S COMPENSATIONS

Most state laws require you to carry this insurance to help compensate employees for expenses associated with work-related injuries or illnesses like medical bills, rehabilitation and lost wages.

SURETY BONDS

Acts as a promise of performance or payment if a business fails to fulfill its obligation.

BUSINESS PROPERTY

Helps protect your owned or rented building, tools and the equipment you use to operate.

COMMERCIAL AUTO

Covers the cost of an auto accident if you or your employee is at fault. If you or your employees drive a vehicle for business reasons, having the right commercial vehicle insurance is important.

DATA BREACH

Also known as cyber insurance, helps cover liability expenses from technology-related risks such as a data breach or cyberattack. If you collect, store, send or receive customer information, it's important to protect against cyber risks.

INLAND MARINE

Protection for a business' property that is mobile in nature or requires unique valuation for the construction, transportation, fine art and renewable energy industries.

Industries we serve

  • Agribusiness

  • Architects, Engineers & Surveyors

  • Auto & Truck Dealers

  • Business & Professional Services

  • Construction

  • Education

  • Energy & Renewable

  • Equipment Dealers

  • Excavation

  • Financial Institutions

  • Food Services

  • Funeral Homes

  • Healthcare

  • Hospitality & Recreation

  • Manufacturing

  • Marine Industries

  • Mechanics

  • Museums & Fine Art

  • Non-profit

  • Oil & Gas

  • Public Entities

  • Real Estate

  • Retail

  • Technology

  • Transportation

  • Wholesale & Distribution

  • And more!

Proud to be backed by the best
national and regional insurance carriers

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Get a quote today!

Emily Baugher
Agent/Owner
Emily Baugher Insurance |  insurance mn, life insurance mn, business liability insurance, small business insurance minnesota, cheap auto insurance mn, sr22 insurance mn, cheap car insurance mn, auto insurance quote, home insurance quote, life insurance quote,  mn work comp insurance, average home insurance cost mn, small business insurance minnesota, vision insurance mn, general liability insurance mn, car insurance quotes minneapolis, state farm woodbury mn, mn insurance agency, state farm mankato minnesota, motorcycle insurance mn, state farm plymouth mn, state farm burnsville minnesota, car insurance rochester mn,

Your one-stop shop for personalized service and insurance coverage

109 2nd St NE
Roseau, MN 56751

218-463-2369
emilyb@fuainsurance.com

Licensed In:
Minnesota
North Dakota
North Carolina