Business Insurance Resources
Information to help Minnesota business owners understand commercial insurance — what different coverage types do, what Minnesota law requires, and what to think about when reviewing your coverage.
What Is an Independent Insurance Agency?
Independent agencies represent multiple insurance companies, not just one. Here's what that means for your business and why it matters when shopping for commercial coverage.
Minnesota Workers' Compensation Requirements
Minnesota law requires most employers with one or more employees to carry workers' compensation insurance. Here's an overview of the requirement and what it means for your business.
General Liability vs. Professional Liability: What's the Difference?
General liability covers bodily injury and property damage. Professional liability covers claims that your professional services caused financial harm. Many businesses need both.
Does a Business Owner's Policy (BOP) Cover Everything My Business Needs?
A BOP combines general liability and commercial property, but it doesn't cover everything. Workers' comp, commercial auto, and professional liability are typically not included.
Why Personal Auto Insurance Doesn't Cover Business Use
If you or your employees use personal vehicles for business purposes, your personal auto policy may not cover a claim. Commercial auto or hired/non-owned auto coverage fills that gap.
What to Review When Your Business Insurance Renews
Renewal is a good time to review your coverage — especially if your business has grown, added employees, purchased equipment, or changed operations since your last policy was written.
Have a Question About Your Business Coverage?
We're happy to answer questions about commercial insurance — whether you're a current client or just exploring your options.