Business Insurance for Minnesota Companies
Minnesota Business Insurance, operated by Harmony Insurance Group, helps Minnesota business owners evaluate their commercial insurance needs and access coverage options from multiple insurance companies. We work with businesses across industries — from contractors and trucking companies to farms, nonprofits, and retail operations.
An Independent Minnesota Insurance Agency
As an independent agency, we represent multiple insurance companies rather than a single carrier. That means we can approach different markets on your behalf, compare coverage options, and help you understand what you're buying — without being limited to one company's products. Our office is in Rochester, MN, and we serve businesses throughout Minnesota.
Independent
Not captive to any single carrier
Multiple
Insurance companies represented
Minnesota
Businesses served statewide
Industries We Serve
We work with a wide range of Minnesota businesses. Commercial insurance needs vary significantly by industry — the coverage that matters for a contractor looks very different from what a nonprofit or apartment building owner needs.
Coverage Types
Commercial insurance is not one-size-fits-all. Different businesses need different combinations of coverage. Here are the types of coverage we commonly work with for Minnesota businesses.
Commercial Auto
Covers vehicles owned or used by your business — including liability, physical damage, and uninsured motorist coverage.
Learn moreWorkers' Compensation
Required by Minnesota law for most employers. Covers medical expenses and lost wages for employees injured on the job.
Learn moreGeneral Liability
Covers third-party bodily injury and property damage claims arising from your business operations, products, or premises.
Learn moreCommercial Property
Covers buildings, equipment, inventory, and other business property against fire, theft, and other covered causes of loss.
Learn moreBusiness Owner's Policy
A packaged policy combining general liability and commercial property — available to qualifying small and mid-size businesses.
Learn moreCyber Liability
Covers costs related to data breaches, ransomware, and other cyber incidents — including notification, recovery, and liability.
Learn moreUmbrella Liability
Provides an additional layer of liability protection above your primary policies — general liability, commercial auto, and employers liability.
Learn moreBonds
License and permit bonds, contractor bonds, and other surety bonds required by contract, regulation, or client agreements.
Learn moreHow We Help
Our process is straightforward. We take the time to understand your business before recommending coverage — because the right program depends on what you actually do.
Learn about your business
We start by understanding your operations, employees, vehicles, property, and any contracts or regulatory requirements that affect your coverage needs.
Identify important exposures
We help you think through the risks your business faces — including ones that are easy to overlook until a claim happens.
Approach appropriate markets
We take your information to the insurance companies we represent and identify programs that are a good fit for your business.
Explain your options
We walk you through the coverage options available, explain what each one covers and doesn't cover, and help you make an informed decision.
Assist with ongoing service
After your coverage is in place, we're available to help with certificates, endorsements, renewals, and coverage reviews as your business changes.
Insurance Company Access
We work with multiple insurance companies that offer commercial lines coverage for Minnesota businesses. Carrier availability and eligibility depend on a number of factors — including your industry, location, loss history, and the underwriting requirements of each program. Because carrier appetite changes over time, we don't publish a static list. When you request a review, we'll identify which companies are a good fit for your business.
Learn more about the carriers we work withRochester, MN — Serving Minnesota Businesses
Our office is in Rochester, Minnesota. We focus exclusively on commercial insurance — helping business owners across the state understand their coverage options and work with insurance companies that are a good fit for their operations.
411 12th Street SE, Rochester, MN 55904
507-280-8300
Common Questions
Ready to Review Your Business Insurance?
Submit a review request and a member of our commercial insurance team will follow up to learn about your business and discuss your coverage options.