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Say there was a fire at your Minnesota business. Fortunately all employees were safely evacuated and no one was injured. Your local firefighters put out the fire, and you surveyed the damage in stunned silence. What would your next move be? If such a terrible scenario ever does occur, you will need to contact your insurance agent immediately after the emergency to report property loss. Hopefully, you will have been prepared, with either an electronic file of your insurance policies or hard copies at a secure location away from your Minnesota business. In this situation, you may need to pull out your policies and begin reviewing them to verify your coverage.

The Insurance Information Institute (III) offers claims filing instructions to homeowners who have suffered a loss from a disaster. Most standard home insurance policies provide financial protection for damages caused by fire, wind and a number of other events. Flood and earthquake coverage usually require separate policies.

Computer hacking is a relatively new phenomenon, and insurance companies are continuing to work on designing polices for businesses at risk of cyber-attacks. Should you not have business insurance coverage that specifically addresses hacking, viruses and other technology-related risks that may threaten your Minnesota business, you should contact your agent to find out about cyber insurance.

Perhaps a relative left you a valuable string of pearls as an inheritance, or you were given a strand for a milestone birthday or anniversary. Whatever the case, you will want to take special care of such a valuable gift. This may include purchasing extra coverage for your pearls through your insurance company. It might be a good idea to consult your agent to find out any limitations on your standard policy in regards to valuable jewelry, and determine if you need to add an endorsement to your policy to provide extra financial protection.

Grills, hibachis and barbecues are the types of cooking equipment most often involved in propane gas-related house fires, according to the National Fire Protection Association (NFPA). It's important to take safety precautions when handling propane. Having the right insurance policies to financially protect you and your Minnesota property in the event of a fire, or other disaster, is important as well.