Business Insurance Coverage Options
As an independent agency, we work with multiple insurance companies — not just one. That means we can present options from different carriers and help you understand what each policy actually covers. Coverage availability and terms are determined by the insurance companies we represent.
Commercial Auto Insurance
Commercial auto insurance covers vehicles owned or used by your business for liability, collision, and comprehensive losses. Personal auto policies typically exclude or limit coverage when a vehicle is used for business purposes.
Learn moreWorkers' Compensation Insurance
Workers' compensation provides wage replacement and medical benefits to employees who are injured or become ill as a result of their work. Minnesota law requires most employers with one or more employees to carry workers' compensation insurance.
Learn moreGeneral Liability Insurance
General liability insurance covers claims of bodily injury or property damage caused by your business operations, products, or employees. It is a foundational coverage for most commercial operations and is often required by clients, landlords, and licensing boards.
Learn moreCommercial Property Insurance
Commercial property insurance protects the physical assets of your business — your building, equipment, inventory, furniture, and signage — against covered losses such as fire, theft, vandalism, and certain weather events.
Learn moreBusiness Owner's Policy (BOP)
A Business Owner's Policy combines general liability and commercial property coverage into a single policy. It is designed for small to mid-size businesses that meet certain eligibility criteria set by the insurance company.
Learn moreCyber Liability Insurance
Cyber liability insurance covers losses related to data breaches, cyberattacks, and other technology-related incidents. As businesses increasingly rely on digital systems and store customer data, cyber coverage has become a relevant consideration for many commercial operations.
Learn moreUmbrella Liability Insurance
A commercial umbrella policy provides an additional layer of liability protection above the limits of your underlying policies — general liability, commercial auto, and employers liability. When a single claim exhausts your primary coverage, umbrella steps in.
Learn moreSurety Bonds
Surety bonds are a form of financial guarantee required by many licensing boards, government agencies, and project owners. They are not insurance in the traditional sense — they guarantee that a business will fulfill its obligations.
Learn moreNot Sure What Coverage Your Business Needs?
A business insurance review is a good starting point. We'll ask about your operation, walk through the coverage types that are relevant to your business, and help you understand your options.