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Insurance cover for small businesses in Minnesota
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
Small business Health Insurance helps you offer your employees more inexpensive access to medical insurance. Everyone can benefit from lower rates or better coverage.
Commercial Property Insurance will provide coverage for your properties in case damage renders them impossible to rent or lease.
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
Frequently Asked Questions
How much Commercial Liability insurance should I carry in Minnesota?
Each situation is unique, but as a general guideline, the type of MN business you operate determines how much insurance you need. A good rule of thumb would be between $500,000 to $1 million.
Do I need Workers Compensation if I have 2 part-time employees?
Minnesota requires that you need to have Workers' Compensation even if you employ part-time employees.
What are the minimum insurance requirements for starting a business in Minnesota?
Every business has specific insurance needs but in general, a Commercial Property or a General Liability insurance should be a priority.
How much does a business insurance cost in Minnesota?
Every business is unique, so the insurance varies differently. Depending on the business, the services you offer and the safety policies, the insurance premiums can vary.
Guide to commercial insurance by state
Insurance laws and requirements may vary state by state. Click on your state to discover the insurance you will need for your small business: