Commercial & Agribusiness
Whether you’re a sole entrepreneur or have a team of employees, having the right insurance in place is key to protecting the legacy you’ve built. Every business is different, so we take the time to review your unique risks and determine how to minimize them. This helps us ensure you’re always covered against the unexpected. You’ve worked hard to build your business, so we’ll work hard to protect it.
Your business is your livelihood which is why it’s important to protect your building and equipment from uncertainties. Commercial Property Insurance protects what your business needs to run. Your policy can pay to repair or replace property that is damaged, destroyed or stolen. Things that are covered may include your building, the contents (inventory, office equipment, furniture, etc.) and other people’s property that is left in your care. We’ll walk you through your options and help you determine the coverage needed to fully protect your place of business.
Business Auto & Truck Insurance
You can’t predict the weather or other drivers’ behavior, but you can have the right coverage in place for the vehicles you depend on. Many small business owners assume their personal auto policy covers them for work use, but that isn’t the case. If your vehicle is used for both personal and business use, it should be insured as a commercial vehicle. This protects you with higher liability limits and any additional coverage your individual business may need. If you aren’t sure which policy is needed, just ask. We’re here to help.
Contractor Liability Insurance
Work sites can be dangerous for clients as well as bystanders. That’s why many businesses rely on a liability policy to protect against accidents and injuries. We help to protect a large range of business owners including electricians, plumbers, seed suppliers, interior decorators and lawn care servicers. Depending on the type of work you do, you may need error and omissions insurance, bodily injury and property damage insurance, product and liquor liabilities insurance and advertising personal injury insurance. Having the right policy in place can protect you from lawsuits and third party damages that can impact your business.
Workers Compensation Insurance
Employers have a legal responsibility to keep to their employees and their workplace safe. In South Dakota, all employers must carry workers compensation insurance, regardless of the number of employees. Workers compensation insurance provides compensation to injured employees for their medical bills and lost time at work, regardless of who was at fault. Workplace accidents can be costly and halt your productivity. Protect your employees, and your assets, in the event of an accident.
School Coverage Insurance
Educational institutions have a number of distinct risks. From student field trips to accidents in chemistry class, it’s important you protect your students, teachers and facility. Finding the right school insurance plan is just as important as finding the right teachers, support staff and curriculum. We tailor your insurance policy to your individual needs, including property and liability. We offer coverage for a variety of schools including charter schools, private schools, public schools, vocational/trade schools and colleges or universities. Having a policy you can trust is critical to protecting your students and establishment.
"We have been with John Sieh Agency for many years and we always receive quick, thorough answers when asked. When we have had claims, John Sieh takes care of them and we don't have surprises so we are confident that we have proper coverage at a fair price, and that is peace of mind with great value."
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