Commercial Insurance β Mendota Heights, MNFrom a solo contractor to a growing team, we find the right coverage for your business without overcomplicating it.
Start HereBusiness Owners Policy (BOP)
A BOP bundles the core coverages most small businesses need into a single, affordable policy. It is where most of our clients start, and we build from there based on your specific situation.
General LiabilityCommercial PropertyBusiness IncomeEquipment Breakdown
Full Coverage OptionsWe compare options across more than 12 commercial carriers to find coverage that fits your industry, your risk profile, and your budget.
ποΈGeneral Liability
Protects your business if a customer is injured or property is damaged. Required by most landlords and contracts.
- Bodily injury and property damage
- Products and completed operations
- Personal and advertising injury
- Medical payments coverage
π’Commercial Property
Covers your building, equipment, inventory, and fixtures against fire, theft, vandalism, and other covered losses.
- Building and contents coverage
- Equipment and tools
- Business income if you have to close
- Leased space coverage available
πCommercial Auto
Personal auto policies do not cover vehicles used for business. If you or your employees drive for work, you need this.
- Company-owned vehicles
- Employee vehicles used for work
- Hired and non-owned auto
- Fleet coverage for multiple vehicles
π·Workers Compensation
Required in Minnesota for most employers. Covers medical expenses and lost wages if an employee is injured on the job.
- Medical treatment costs
- Lost wage replacement
- Employer liability protection
- Required for MN employees
π»Professional Liability
Also called E&O insurance. Protects you if a client claims your advice, service, or work caused them financial harm.
- Errors and omissions coverage
- Defense costs included
- Consultants, contractors, and advisors
- Claims-made and occurrence options
πCyber Liability
A data breach or ransomware attack can shut down a small business. Cyber coverage is no longer optional for most industries.
- Data breach notification costs
- Ransomware and extortion
- Business interruption from cyber events
- Third-party liability
Industries We ServeWe serve small and mid-size businesses across Minnesota and beyond. Here are some of the industries we work with most.
π¨ Contractorsπ½οΈ Restaurantsπ₯ Healthcareπͺ Retailπ TruckingπΌ ConsultantsποΈ Constructionπ§Ή Cleaning ServicesπΏ Landscapingπ¦ Warehousingπ§ Auto Repair+ Many More
Why Choose UsSkip the national 1-800 call tree and transfers between departments. Our Mendota Heights team takes the time to understand what your business actually does before recommending coverage.
π Personal help from a local team.
When you call, you can reach someone here in Mendota Heights who can help with your account, without being passed around between departments.
π More carrier options for your business.
We compare coverage across our commercial carrier network to help find options suited to your industry, risk profile, and budget.
π Annual coverage reviews.
Your business changes. We check in regularly to make sure your coverage keeps up with your growth.
β‘ Fast response on claims.
When something goes wrong, we move quickly. You are not waiting in a queue, you are calling a number that gets answered.
Common QuestionsHow much does commercial insurance cost in Minnesota?
It depends on your industry, revenue, number of employees, and the coverage types you need. A BOP for a small business can start under $100 per month. We will get you an accurate quote based on your actual situation.
Do I need workers compensation if I only have one employee?
In Minnesota, most employers with one or more employees are required to carry workers compensation insurance. There are some exceptions. We can help you figure out what applies to your situation.
My landlord requires proof of insurance. What do I need?
Most landlords require a Certificate of Insurance showing general liability coverage. We can issue a certificate quickly once your policy is in place, and we can add your landlord as an additional insured if required.
I work from home. Do I still need business insurance?
Yes. Your homeowners policy does not cover business equipment, business liability, or losses related to your work. Even home-based businesses need at least a basic business owners policy or in-home business endorsement.
Can you cover my business in multiple states?
Yes. We are licensed in Minnesota, Wisconsin, Colorado, Michigan, and Arizona. If your business operates across state lines, we can often build a policy that covers your exposure in each state.
Letβs talk about protecting your business.
Call us or request a quote online. We will ask the right questions and come back with real options.